Catastrophic injuries usually restrict your abilities, whether they are physical or cognitive restrictions. Depending on your line of work, a catastrophic injury can impact your ability to continue in your position.
For example, if your job involves heavy lifting and physical labor, a spinal injury and paralysis can prevent you from working in that job moving forward. If you are a researcher or in academia, cognitive impairments from a brain injury might cause you to resign. If you are a surgeon or an artist, you might not use your hands in a controlled manner due to a catastrophic injury. All of these situations can be devastating, both financially and emotionally.
If you are in school pursuing a specific career path, a catastrophic injury might derail your plans. If you lose significant future earnings because of an injury, seek recovery for the earning power you lost. Having to leave a career you enjoyed can also lead to mental suffering, which is a compensable loss.
