Our Services

Loss of Income

Spear provides structured career and earnings reports for loss of income claims. Our reports are used in personal injury, Road Accident Fund (RAF), and third-party matters. We assess past and future earnings potential, taking into account the injured party's medical conditions, qualifications, experience, career trajectory, and labour market conditions.

Assessment of the claimant's:

• Pre-accident career and earnings trajectory
• Post-accident limitations and residual capacity (as set out by the relevant medical experts)
• Impact on future earnings potential

Our reports provide the foundation for actuarial quantification and are built for effective settlement.

Loss of Support

In cases where a breadwinner has passed away, Spear provides structured earnings assessments to quantify the loss of support suffered by dependants. Our reports assess not only the deceased's likely career trajectory, earnings history, and future earning potential, but also consider the prospective career development of the surviving spouse (where applicable), as well as the needs and dependency profile of the affected household.

This ensures a comprehensive view of the financial impact on surviving family members.

Evaluation of:

• The deceased's likely career progression
• Expected earnings over time for deceased and plaintiff (if applicable)
• Need for financial support to dependants

We produce structured, evidence-based opinions to support the accurate calculation of loss.

Actuarial Integration Support

While not replacing actuarial work, our reports include a quantification summary designed to:

• Translate seamlessly into actuarial models
• Reduce ambiguity in assumptions
• Improve alignment between experts

Training for Legal Teams

Spear offers tailored training for legal teams aimed at the interpretation of Industrial Psychology reports for the RAF industry. Our training covers the fundamentals of earnings assessments, how to interpret IP reports, and how to effectively use earnings evidence in litigation.

We offer tailored training sessions covering:

• Interpretation of Industrial Psychology reports
• Key assumptions and methodologies
• Common areas of dispute in RAF matters
• Contingencies

Designed for both junior and experienced attorneys.

Expert Testimony

Our experienced professionals provide expert witness testimony in court proceedings. We present and defend our findings in a clear, professional manner, assisting the court in understanding complex earnings and career-related evidence. Our team has extensive experience testifying in the High Court and Regional Courts across South Africa.

Our Industrial Psychologists are available to:

• Provide expert evidence in court
• Clarify report findings
• Defend assumptions under cross-examination