Traumatic Brain Injury Has a Personal and Societal Cost

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Traumatic Brain Injury Has a Personal and Societal Cost

Traumatic brain injury (TBI) is common in Canada. Estimates are that there are an average of 144 people every day in Ontario who suffer a brain-related injury. Brain injury afflicts adults and children but has different long-term implications depending on the age of the patient.

Younger patients may suffer much more debilitating impacts over a lifetime, older patients have much more severe symptoms, and young adults may set themselves up for early dementia-type brain diseases resulting from TBI. 

What are the direct costs of brain injury?

Direct costs of TBI include the initial trip to the hospital emergency room or physician’s office. These costs only increase as in-patient and out-patient treatments are prescribed. Neurosurgery, extended hospital stays therapy and medications further increase the costs. The loss of employment income or breaks in schooling impacts the long-term and short-term financial picture for the patient as well. 

Consider the indirect costs to the family. Emotional tolls cannot be underestimated, the loss of companionship or guidance from a parent that can result from the aftereffects of brain injury in a loved one can be considerable. There may also be in-home expenses such as nursing care, therapy, home modifications, continued drug regimens and associated costs. Most of these costs will not be covered under your provincial insurance scheme. If your private insurance covered any of them that coverage will only be effective while the person is employed. Any shortfall must be paid by you or other insurance (auto, home etc).

From a system point of view, in-hospital expenses range from $2,000 daily to upwards of $100,000 depending on the situation. Some experts estimate that the cost of brain injury in Ontario (including lost productivity) is staggering at over a billion dollars a year.

What does brain injury mean to your financial future?

If you are in the hospital for surgery or long-term care those costs are usually covered by OHIP however, many treatments, therapies and home care are not. Care coverage is usually from several agencies – your provincial insurer, private insurers, worker’s compensation, programmes from the federal and provincial governments, your community social services, and some non-profits. Any shortfalls in funding mean either you will pay it on your own, or you may have to do it without certain care.

Settlements for TBI are the most common way of securing your or your loved one’s future following an injury. Settlement can vary substantially based on many factors including:

  • The severity of the injury
  • Whether you’ve lost the ability to return to your previous career
  • Hospital expenses
  • Costs of home renovations required
  • Loss of income to date
  • Pain and suffering
  • Stress and emotional pain

What does this mean for your famiy?

Your family may be able to seek compensation for

  • Loss of companionship / parental guidance
  • Loss of income to take care of you

The road to compensation is a long and complex one that will require the help of an experienced personal injury lawyer. If you or a loved one is seriously injured in an accident you should get the best medical care you can, and the best legal representation. You don’t have to face your situation alone. We can stand with you and advocate for the best settlement possible.

 

Call us today, or contact us online if you or a loved one are seriously injured in an accident.