Medical Expenses Recovery Calculator

ANA›Life Services Authority›National Calculator Authority›Medical Expenses Recovery Calculator

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Medical Expenses Recovery Calculator

Estimate the total recoverable medical expenses in a personal injury or insurance claim, including past medical bills, future medical costs, and applicable reductions such as insurance write-offs, contributory negligence, and policy limits.

Total Past Medical Bills Billed ($)

Amount Actually Paid by Insurance / Patient ($)

Estimated Future Medical Costs ($)

Discount Rate for Future Costs (% per year)

Years Until Future Medical Costs Incurred

Claimant Contributory Negligence (%)

Applicable Policy / Coverage Limit ($)

Collateral Source Deduction ($) (amounts already compensated by other sources)

Calculate Recovery

function medCalc() { // --- Read inputs --- var pastBilled = parseFloat(document.getElementById('med-past-billed').value) || 0; var pastPaid = parseFloat(document.getElementById('med-past-paid').value) || 0; var futureCosts = parseFloat(document.getElementById('med-future-costs').value) || 0; var discountRatePct = parseFloat(document.getElementById('med-discount-rate').value); var futureYears = parseFloat(document.getElementById('med-future-years').value); var negligencePct = parseFloat(document.getElementById('med-negligence-pct').value) || 0; var policyLimit = parseFloat(document.getElementById('med-policy-limit').value) || 0; var collateralSource = parseFloat(document.getElementById('med-collateral-source').value) || 0;

var resultDiv = document.getElementById('med-result');

// --- Validation --- var errors = [];

if (pastBilled pastBilled) errors.push("Amount paid cannot exceed total billed amount."); if (futureCosts 0) { if (isNaN(discountRatePct) || discountRatePct 30) errors.push("Discount rate must be between 0% and 30% when future costs are entered."); if (isNaN(futureYears) || futureYears 50) errors.push("Years until future costs must be between 0 and 50."); }

if (negligencePct 100) errors.push("Contributory negligence must be between 0% and 100%."); if (collateralSource 0) { resultDiv.style.display = 'block'; resultDiv.innerHTML = 'Please fix the following:' + errors.map(function(e){ return ''; }).join('') + ''; return; }

// --- Step 1: Past Medical Expenses (Collateral Source Rule) --- // Many jurisdictions allow recovery of the full billed amount (not just paid), // but some apply the collateral source rule to limit to amounts paid. // This calculator uses the billed amount as the base (most favourable / common plaintiff approach). var pastMedicalBase = pastBilled;

// --- Step 2: Present Value of Future Medical Costs --- // PV = FV / (1 + r)^n var pvFutureCosts = 0; if (futureCosts > 0) { var r = (isNaN(discountRatePct) ? 0 : discountRatePct) / 100; var n = (isNaN(futureYears) ? 0 : futureYears); if (r === 0 || n === 0) { pvFutureCosts = futureCosts; } else { pvFutureCosts = futureCosts / Math.pow(1 + r, n); } }

// --- Step 3: Gross Recoverable Medical Expenses --- var grossRecovery = pastMedicalBase + pvFutureCosts;

// --- Step 4: Deduct Collateral Source Payments --- var afterCollateral = Math.max(0, grossRecovery - collateralSource);

// --- Step 5: Apply Contributory / Comparative Negligence Reduction --- // Recovery = afterCollateral * (1 - negligence%) var negligenceFactor = 1 - (negligencePct / 100); var afterNegligence = afterCollateral * negligenceFactor;

// --- Step 6: Apply Policy / Coverage Limit --- var finalRecovery = afterNegligence; var limitApplied = false; if (policyLimit > 0 && afterNegligence > policyLimit) { finalRecovery = policyLimit; limitApplied = true; }

// --- Step 7: Insurance Write-Off (for reference) --- var writeOff = pastBilled - pastPaid;

// --- Format currency --- function fmt(v) { return '$' + v.toLocaleString('en-US', {minimumFractionDigits:2, maximumFractionDigits:2}); }

// --- Build result HTML --- var html = '### Recovery Breakdown '; html += '';

function row(label, value, bold, color) { var style = bold ? 'font-weight:bold;' : ''; if (color) style += 'color:' + color + ';'; return '' + label + '' + '' + value + ''; }

html += row('Total Past Medical Bills (Billed)', fmt(pastBilled)); html += row('Insurance / Patient Write-Off (Billed − Paid)', fmt(writeOff)); html += row('Present Value of Future Medical Costs', fmt(pvFutureCosts)); html += ''; html += row('Gross Recoverable Medical Expenses', fmt(grossRecovery), true); html += row('Less: Collateral Source Deduction', '− ' + fmt(collateralSource)); html += row('After Collateral Source Reduction', fmt(afterCollateral)); html += row('Less: Contributory Negligence (' + negligencePct.toFixed(1) + '%)', '− ' + fmt(afterCollateral - afterNegligence)); html += row('After Negligence Reduction', fmt(afterNegligence));

if (limitApplied) { html += row('Policy / Coverage Limit Applied', fmt(policyLimit), false, '#c0392b'); }

html += ''; html += row('Estimated Recoverable Medical Expenses', fmt(finalRecovery), true, '#27ae60'); html += '';

if (limitApplied) { html += '⚠ Recovery capped at the policy limit of ' + fmt(policyLimit) + '. Uncapped amount would be ' + fmt(afterNegligence) + '.

'; }

if (negligencePct >= 50) { html += '⚠ In contributory negligence jurisdictions, ' + 'a finding of 50% or more fault may bar recovery entirely. Consult an attorney.

'; }

resultDiv.style.display = 'block'; resultDiv.innerHTML = html; }

#### Formulas Used

1. Present Value of Future Medical Costs: PV = FV ÷ (1 + r)n where FV = future cost, r = annual discount rate, n = years until incurred.

2. Gross Recoverable Medical Expenses: Gross = Past Medical Bills (Billed) + PV of Future Costs

3. After Collateral Source Reduction: Net = Gross − Collateral Source Payments

4. Comparative / Contributory Negligence Reduction: Adjusted = Net × (1 − Negligence%)

5. Policy Limit Cap: Final Recovery = min(Adjusted, Policy Limit)  [if limit > 0]

#### Assumptions & References

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References

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