Earning Capacity Assessments

An earning capacity assessment serves as a vital tool in life insurance and income protection claims. It establishes a person’s economic loss and provides comprehensive recommendations on their functional capacity, work skills and abilities, personality traits, transferable skills, and overall work readiness.

Earning Capacity Assesments

Unemployed Spouse

In many cases, spouses may have stepped away from the workforce to focus on childcare and family responsibilities. Our evaluation provides a comprehensive analysis of their ability to reenter the local labor market by leveraging their prior education, skills, and work history.

This assessment determines the spouse’s highest level of employability and estimates their future earning capacity within the local job market. We consider factors such as past education, professional experience, transferable skills, and overall vocational potential to deliver accurate and credible results.


Judges often rely on the findings from an earning capacity assessment to establish an appropriate imputed income for the spouse, ensuring a fair and informed outcome in legal proceedings.

Underemployed Spouse


Economic challenges such as layoffs, downsizing, or limited job opportunities often result in a spouse being underemployed—working in a position that doesn’t align with their education or prior work experience. A vocational evaluation identifies their highest earning potential by analyzing their qualifications and assessing opportunities within the current labor market.


Disabled Spouse

When a spouse claims that a medical or psychological disability prevents them from maintaining employment, an employability evaluation provides an objective assessment of their vocational capacity.

This process includes:

  • A thorough review of medical and psychological records.
  • A vocational diagnostic interview, if appropriate.
  • Comprehensive vocational testing.
  • An analysis of transferable skills.
  • Labor market research to determine their earning potential in competitive employment.


The evaluation delivers credible insights into the spouse’s ability to work and their realistic earning capacity, supporting evidence-based conclusions in legal proceedings.t.

Change of Financial Circumstances or Post-Divorce Reopener


Life circumstances can change significantly after a divorce is finalized. Whether due to job loss, career changes, injury, or relocation, these changes can impact a spouse’s employability and earning potential.


Our evaluations assess the effects of these life changes by conducting a thorough transferable skills analysis and local labor market research. This process documents the spouse’s revised earning capacity, providing valuable insight for legal cases requiring post-divorce modifications or reopeners.


Evaluation of Lifetime Medical Costs for a disabled child

In some divorce cases, the lifetime medical costs of a disabled child are factored into the financial settlement. Our experts provide a comprehensive evaluation of these costs by researching the expenses associated with necessary medical services in the local area.


The development of a detailed Life Care Plan supports the court by outlining the child’s long-term medical and care needs, ensuring fair and informed decision-making in complex cases.