RAF Angel — Chapter 5: Calculating Your Compensation
SHORT DESCRIPTION / TAGLINE
Loss of earnings. General damages. Future medical costs. Understand your true claim value — and recognise a lowball offer before you sign anything.
FULL PRODUCT DESCRIPTION
The RAF will put a number on the table.
The question is: do you know if that number is fair?
Most claimants do not. And the RAF counts on that. When you do not know how to calculate your own compensation, you are entirely dependent on the RAF's offer — and their offer is almost always lower than what you are actually owed. Chapter 5 of the RAF Angel Complete Claims Guide gives you the tools to calculate your true claim value, understand every head of damages, and walk into any settlement negotiation knowing exactly what is on the table.
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WHAT THIS CHAPTER COVERS — 24 PAGES
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✔ The different categories of compensation the RAF is required to pay — and how each one is calculated
✔ General damages — how pain, suffering, and loss of amenities are valued in South African courts
✔ Loss of earnings — how past and future income loss is calculated, including if you are self-employed or informal sector
✔ Future medical expenses — how ongoing treatment costs are estimated and claimed
✔ Loss of support — if a breadwinner was killed or permanently disabled
✔ How actuaries calculate your claim — and what they need from you to do it accurately
✔ The RAF's own assessment methods — and where they routinely undervalue claims
✔ How to use the compensation calculator worksheets to estimate your own claim value
✔ What factors increase or decrease your compensation — and how to maximise each one
✔ Why the medical evidence you have gathered directly determines your compensation figure
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KNOWING YOUR NUMBER CHANGES EVERYTHING
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When Thandi received the RAF's first offer, she had no idea whether R80,000 was fair or an insult. She did not know what her loss of earnings claim was worth. She did not know she could claim for future medical treatment. She accepted.
That is the gap this chapter closes. Once you know how your compensation is calculated — once you have your own estimate — every conversation with the RAF, their attorneys, and your own attorney changes completely. You are no longer asking what you will receive. You are telling them what you expect.
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THIS CHAPTER IS FOR YOU IF:
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✔ The RAF or your attorney has mentioned a settlement figure and you do not know if it is fair
✔ You want to understand how your compensation is actually calculated
✔ You have lost income because of your injuries and want to know how to quantify it
✔ You are approaching settlement and want to walk in prepared
✔ Your injuries will require ongoing medical treatment and you want to know how to claim for it
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WHAT YOU RECEIVE
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✔ 24-page individual chapter PDF — immediate digital download
✔ Compensation calculator worksheets — work out your own estimate
✔ All heads of damages explained in plain language
✔ Written by a former RAF Corporate Panel Attorney with 16+ years experience
✔ 2026 Edition — current with the latest RAF Act provisions
✔ Part of the RAF Angel Complete Claims Guide — 10-chapter series
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PAIR WITH CHAPTER 7
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Once you know your compensation value, Chapter 7 — Negotiating Your Settlement (also R49) — tells you exactly how to use that number at the negotiating table. Together, Chapters 5 and 7 are your complete settlement preparation toolkit.
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IMPORTANT NOTICE
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This chapter is an educational and informational resource. It does not constitute legal advice and does not create an attorney-client relationship. For legal representation, consult a qualified, admitted attorney.
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www.rafangel.co.za | Overall Solutionists (Pty) Ltd