Mike’s Quick Answer
It depends on how the person earns money, but often lost income is proved through medical restrictions, employer verification, payroll records, tax documents, attendance, schedules, benefits, and evidence of what would probably have been earned. Self-employed, commissioned, tipped, seasonal, and gig workers may require additional business records or expert analysis.
Prove Both Inability and Amount
A pay stub shows earnings but not why work was missed. A doctor's note shows a restriction but not the economic value. The claim connects the medical and financial records across the same dates.
Modified duty, intermittent absences, appointments, and reduced productivity should be separated from complete disability.
Use the Records Created in Ordinary Life
W-2s, 1099s, returns, pay stubs, direct deposits, timecards, schedules, leave ledgers, union contracts, commission reports, invoices, and calendars may be relevant. Employer and customer testimony can fill legitimate gaps.
Cash income or inconsistent reporting creates proof and credibility problems. Do not manufacture records or change a tax position for litigation.
Account for Benefits and Other Payments
PIP income continuation, disability, workers' compensation, paid leave, unemployment, and employer benefits may affect net loss, offsets, liens, or reimbursement. Each source should be disclosed and documented.
Mike can build a transparent calculation and coordinate expert analysis. No loss should be promised until the underlying records are reviewed.
Frequently Asked Questions
Is an employer letter enough?
It depends on detail and dispute. A useful letter identifies dates, rate, hours, overtime, leave used, benefits, and whether payments were made, with payroll support where available.
Can future lost income be recovered?
It depends on prognosis and reasonable probability. Medical, vocational, employment, and economic evidence may be required to avoid speculation.
Sources and Further Reading
Important
This article provides general New Jersey information and is not legal advice. Every matter depends on its facts, policy language, deadlines, and applicable law. Medical questions should be discussed with a licensed physician. Tax questions should be discussed with a qualified tax professional.