- Neck / Back Injury
Neck Injuries£2,450 to £7,890
Where a full recovery takes place within a period of about one to two years.
Neck Injuries£24,990 to £38,490
Injuries such as fractures or dislocations which cause severe immediate symptoms and which may necessitate spinal fusion.
Neck Injuries£45,470 to £148,330
Neck injury associated with incomplete paraplegia or resulting in permanent spastic quadriparesis.
Back Injury£7,890 to £12,510
Where a full recovery or a recovery to nuisance level takes place without surgery within about two to five years.
Back Injury£12,510 to £27,760
Many frequently encountered injuries to the back such as disturbance of ligaments and muscles giving rise to backache, soft tissue injuries resulting in a prolonged acceleration and / or exacerbation of a pre-existing back condition.
Back Injury£91,090 to £160,980
Cases of the most severe injury involving damage to the spinal cord and nerve roots, leading to a combination of very serious consequences not normally found in cases of back injury.
- Head Injury
Brain or Head Injury£2,210 to £12,770
In these cases brain damage, if any, will have been minimal. The bottom of the bracket will reflect full recovery within a few weeks.
Brain Damage£43,060 to £219,0700
This category is distinguished from the moderately severe category by the fact that the degree of dependence is markedly lower.
Brain Damage£219,070 to £282,010
The insured person will be very seriously disabled. There will be substantial dependence on others and a need for constant professional and other care.
Brain Damage£282,010 to £403,990
In cases at the top of this bracket there may be some ability to follow basic commands, recovery of eye opening and return of sleep and waking patterns and postural reflex movement.
- Shoulder Injury
Shoulder Injury£2,450 to £7,890
Soft tissue injury to your shoulder with considerable pain but almost complete recovery within one to two years.
Shoulder Injury£7,890 to £12,770
Frozen shoulder with limitation of movement and discomfort with symptoms persisting for about two years. Also soft tissue injuries with more than minimal symptoms persisting after two years but not permanent.
Shoulder Injury£7,890 to £12,770
Often associated with neck injuries and involving damage to the brachial plexus resulting in significant disability.
Fracture of Clavicle£5,150 to £12,240
The level of the award will depend on extent of fracture, level of disability, residual symptoms, and whether temporary or permanent, and whether union is anatomically displaced.
- Eye Injury
Eye Injury£3,950 to £8,730
In this bracket fall cases of minor injuries, such as being struck in the eye, exposure to fumes including smoke, or being splashed by liquids, causing initial pain and some temporary interference with vision.
Complete Loss of Sight in One Eye£49,270 to £54,830
This award takes account of some risk of sympathetic ophthalmia.
Total Loss of One Eye£54,830 to £65,710
The level of the award within the bracket will depend on age, psychiatric consequences, and cosmetic effect.
- Hearing Loss
Partial Hearing Loss and/or Tinnitus£7,010 to £45,540
This category covers the bulk of deafness cases which usually result from exposure to noise at work over a prolonged period.
Total Loss of Hearing in One Ear£31,310 to £45,540
Cases will tend towards the higher end of the bracket where there are associated problems, such as tinnitus, dizziness or headaches.
Total Deafness£90,750 to £109,650
The lower end of the bracket is appropriate for cases where there is no speech deficit or tinnitus. The higher end is appropriate for cases involving both of these.
- Facial Injuries
Fractures of Nose or Nasal Complex£3,950 to £5,100
(Displaced fracture where recovery is complete but only after surgery.)
Fractures of Cheekbones£10,200 to £15,780
Serious Fractures requiring surgery but with lasting consequences such as paraesthesia in the cheeks or the lips or some element of disfigurement.
Fractures of Jaws£17,960 to £30,490
Serious fracture with permanent consequences such as difficulty in opening the mouth or with eating or where there is paraesthesia in the area of the jaw.
Damage to Teeth£8,730 to £11,410
Loss of or serious damage to several front teeth.
- Arm Injury
Loss Of One ArmNot less than £137,160
Arm amputated at the shoulder.
Arm Injury£19,200 to £39,170
While there will have been significant disabilities, a substantial degree of recovery will have taken place or will be expected.
Simple Fractures£6,610 to £19,200
Simple Fractures of the Forearm.
- Elbow Injury
Elbow Injury£39,170 to £54,830
A Severely Disabling Injury.
Elbow Injury£15,650 to £32,010
Injuries causing impairment of function but not involving major surgery or significant disability.
Elbow InjuryUp to £12,590
Most elbow injuries fall into this category. They comprise simple fractures, tennis elbow syndrome and lacerations; i.e., those injuries which cause no permanent damage and do not result in any permanent impairment of function.
- Wrist Injuries
Wrist Injuries£3,530 to £4,740
Undisplaced or minimal displaced fractures and soft tissue injuries necessitating application of plaster or bandage for a matter of weeks and a full or virtual recovery within up to 12 months or so.
Wrist Injuries£12,590 to £24,500
Where these still result in some permanent disability as, for example, a degree of persisting pain and stiffness.
Wrist Injuries£47,620 to £59,860
Injuries resulting in complete loss of function in the wrist, for example, where an arthrodesis has been performed.
- Hand / Finger Injuries
Damage to Both Hands£55,820 to £84,570
Such injuries will have given rise to permanent cosmetic disability and significant loss of function.
Hand Injury£5,720 to £13,280
Crush injuries, penetrating wounds, soft tissue type and deep lacerations. The top of the bracket would be appropriate where surgery has failed and permanent disability remains. The bottom of the bracket would be appropriate for permanent but non-intrusive symptoms.
Hand Injuries£12,170 to £18,740
Total Loss of Index Finger.
Hand Injuries£35,520 to £54,830
Loss of Thumb.
- Hip / Pelvis Injury
Hip / Pelvis Injury£39,170 to £130,930
Extensive fractures of the pelvis involving, for example, dislocation of a low back joint and a reputed bladder, or a hip injury resulting in spondylolisthesis of a low back joint with intolerable pain and necessitating spinal fusion.
Hip / Pelvis Injury£26,590 to £39,170
Significant injury to the pelvis or hip but any permanent disability is not major and any future risk not great.
Hip / Pelvis Injury£3,950 to £12,950
Cases where despite significant injury there is little or no residual disability. Where there has been a complete recovery within two years, the award may but is unlikely to exceed the mid-point in the range.
- Leg Injury
Above-Knee Amputation of One Leg£104,830 to £137,470
The award will depend upon such factors as the level of the amputation; the severity of any phantom pains; associated psychological problems; the success of any prosthetics; any side effects such as backache and the risk of developing osteoarthritis in the remaining joints of both lower limbs or in the hips and spine.
Leg Injury£39,200 to £54,830
Serious compound or comminuted fractures or injuries to joints or ligaments resulting in instability, prolonged treatment, a lengthy period of non-weight-bearing, the near certainty that arthritis will ensue; extensive scarring. To justify an award within this bracket a combination of such features will generally be necessary.
Leg Injury£17,960 to £27,760
Fractures from which an incomplete recovery is made or serious soft tissue injuries.
Leg Injuries£9,110 to £14,080
Simple fracture of a femur with no damage to articular surfaces.
- Knee Injury
Knee Injury£26,190 to £96,210
Serious knee injury where there has been disruption of the joint, the development of ostearthristis, gross ligamentous damage, lengthy treatment, considerable pain and loss of function, an arthroplasty or arthrodesis has taken place or is inevitable.
Knee Injury£14,840 to £26,190
Injuries involving dislocation, torn cartilage or meniscus which results in minor instability, wasting, weakness, or other mild future disability.
- Ankle Injury
Ankle Injury£31,310 to £50,060
Injuries necessitating and extensive period of treatment and/or a lengthy period in plaster or where pins and plates have been inserted and there is significant residual disability in the form of ankle instability and severely limited ability to walk.
Ankle Injury£13,740 to £26,590
Fractures, ligamentous tears and the like which give rise to less serious disabilities such as difficulty in walking on uneven ground, difficulty standing or walking for long periods of time, awkwardness on stairs, irritation from metal plates and residual scarring.
Ankle InjuryUp to £13,740
The less serious, minor or undisplaced fractures, sprains and ligamentous injuries.
- Toe Injury
Toe InjuryIn the region of £31,310
Amputation of the Great Toe.
Toe InjuriesUp to £9,600
These injuries include relatively straight forward fractures or the exacerbation of a pre-existing degenerative condition or laceration injuries to one or more toes.
- Hair Damage
Hair / Scalp Injuries£7,340 to £11,020
Damage to hair in consequence of defective permanent waving, tinting, or the like, where the effects are dermatitis, eczema or tingling or 'burning' of the scalp causing dry, brittle hair, which breaks off and/or falls out, leading to distress, depression, embarrassment and loss of confidence, and inhibitating social life
Hair / Scalp InjuriesUp to £9,600
Less serious versions of the above where symptoms are fewer or only of a minor character; also, cases where hair has been pulled out leaving bald patches.