Traumatic spinal cord injuries producing paraplegia, tetraplegia, or significant incomplete paralysis generate some of the most complex and high-value personal injury claims in Ontario. The lifetime consequences — ongoing medical care, attendant support, adaptive housing, vocational changes, and profound personal losses — demand extraordinary precision in evidence gathering, expert selection, and damages quantification.
Complete or incomplete paraplegia and tetraplegia qualify immediately as catastrophic impairments under the SABS. An application for CAT designation should be filed without delay, unlocking the $1 million combined benefit pool, $6,000/month attendant care, and the full range of SABS benefits from the earliest stages of recovery.
A complete SCI damages brief addresses: non-pecuniary general damages (typically $400,000–$700,000 in current Canadian jurisprudence for complete SCI); past income loss; future income loss (often the largest component for working-age claimants); future care costs including lifetime attendant care, medical equipment, home modification, and vehicle adaptation (frequently $2–5 million); and Family Law Act claims by family members.
Structured settlements: For large SCI claims, a structured settlement — converting part of the recovery into a lifetime annuity — provides predictable, tax-advantaged income and eliminates investment and longevity risk. Your lawyer should model both lump-sum and structured alternatives before recommending any settlement.
A certified life care planner prepares a comprehensive Future Care Cost Report projecting all medical, rehabilitation, and personal care costs over the claimant’s expected lifetime. This document integrates input from the treating physiatrist, rehabilitation team, and relevant specialists, and forms the evidentiary backbone of the future care damages claim. Its quality and defensibility are critical to the overall outcome.