In 1989 AFG created Life Care Associates, a company dedicated to assessing lifetime cost of care for individuals with catastrophic injuries/illness. Life Care Associates has been the recognized leader in Life Care Planning in New Jersey since its inception. Because of our reputation as Experts in the field of Life Care Planning, Legal Firms throughout the NJ/NY Metropolitan area and International Firms have requested our services. The Expert Life Care Planners have provided testimony on some of the largest verdicts in the State of New Jersey. Click onto 'Case Verdicts' for examples of our work. We are skilled professionals and court qualified experts with backgrounds and qualifications in areas of vocational rehabilitation, nursing case management, and disability evaluation who hold certifications and licenses in fields of life care planning, disability case management, medical case management, and vocational rehabilitation.

What is a Life Care Plan?

A Life Care Plan is a dynamic document based on published standards of practice, comprehensive assessment, data analysis and research, which provides an organized, concise plan for current and future needs with associated cost, for individuals who experienced catastrophic injury or have chronic health care needs. Definition from "Life Care Planning and Case Management Handbook", Roger O. Weed, Ph.D (Ed.), CRC Press, 1998.

Who Can Use a Life Care Plan?

Individuals with a catastrophic injury and chronic health care needs alike benefit from a Life Care Plan. Some examples include young children brain damaged at birth, spinal cord injury, traumatic brain injury, traumatic amputees, individuals with developmental disabilities, severe burns, and chronic pain patients.

How is a Life Care Plan Developed?

The Life Care Planner reviews all of the available medical records. In cases of TBI it is also important to review the pre-injury records such as school and/or employment records, and interview family members, to understand how the person was before the injury. The most thorough and individualized plan can be formulated with an in-person assessment visit. When both parties, plaintiff and defense, retain a Life Care Planner, it is beneficial for the defense Life Care Planner to also have the opportunity to evaluate and interview the injured party. In order to prepare a Life Care Plan and foster a thorough understanding of the injured party and his future needs, the Care Planner solicits the input of family caregivers, and physicians, therapists, and school professionals who have been involved in the treatment, rehabilitation, and day-to-day care of the injured/ill party.

How is the Life Care Plan Used?

The use of this document depends on who is requesting this report.

Plaintiff and Defense Attorneys:
In cases of litigation this document is used as a tool to determine the monetary value of lifetime medical and disability-related needs. Following mediation, arbitration, or trial, an agreed upon value of dollars occurs and money is put into a structured settlement or set in reserves so that the finances are available as needs arise.

Claims Managers:
These personnel request a Life Care Plan to help establish short and long-term reserves for future care. They may also request this document as a tool for ongoing case management.

These professionals may recommend to attorneys this document to give them the preliminary data necessary to formulate the present value cost of lifetime care. Economists rely upon Life Care Planners to identify specific damages such as disability-related expenses and lost wages.

Trust Managers of Estates:
Individuals in the role of overseeing the lifetime finances of disabled individuals rely on professional Life Care Planners to identify a schedule of when needs will occur, determine when a plan may need to be adjusted, and help in determining when treatments and therapies are indicated for appropriation of funds.

Litigation Support Services Include:

  1. Life Care Plans
    1. Comprehensive Narrative Report with Lifetime Cost Appendices
    2. Cost Summary Totals
  2. Cost Projection Reports
    1. Records review, physician consult(s), and cost projection as it Relates to specific treatment/procedure as opposed to a Catastrophic Life Care Plan.
  3. Valuation of Caregiver Services
    1. Identifies economic value of the loss of a caregiver in WD cases.
    2. Special expertise of Life Care Planner for establishing the caregiver services and dollar value of an Adult Child as a Caregiver to surviving parents or loss of a spouse.
  4. Vocational Employability Services
    1. By Nationally Certified & Licensed Vocational Experts
  5. Additional Services
    1. Medicare Set-Aside Reports