At Forths our expertise provides valuable assistance to solicitors in the pre settlement phase of personal injury and clinical negligence cases. However, Forths are also part of the Frenkel Topping Group and, as a result, are able to offer extended services a broad range of other services to enhance the service offering to clients throughout the claims process.


There is a broader range of expertise that we can offer to enhance the service offering to clients.

Investment of Damages

When a client is in receipt of damages it will benefit them to talk to an independent financial adviser to discuss how the money can be invested and ultimately protected for the future.

Frenkel Topping can offer a free consultation with a fully qualified IFA to give the client tailored investment options depending on their circumstances. 

Personal Injury Trusts 

A Personal Injury Trust (PI Trust) can be established to ensure that if a client receives compensation, their entitlement to benefits (should they qualify) will not be lost.

A PI trust can also protect a client against any benefits means testing in the future.

Minor Injury Trusts can also be established if the client is a child under the age of 18.

The expert team is able to assist in the establishment of trusts, the appointment of trustees and ongoing investment and tax advice.

Periodical Payment Order (PPO)

How a client receives their damages can be in the form of a one off lump sum payment or through annual payments, i.e. a Periodical Payment Order (PPO).


A PPO will guarantee the client receives income for life through a fixed annual payment.


In certain cases it will be prudent to seek specialist advice to establish which method of payment will best suit the client’s needs. The team can assist in producing PPO Viability Reports which will assess the circumstances of the client and provide advice and options tailored to the client.

Welfare Benefits Advice

Specialist welfare benefits advice is required in certain circumstances to ensure that a client is receiving all of the benefits and tax credits that they are entitled to.



The advice can also relate to how an award of damages could affect their ability to qualify for future benefits, such as care.


The team can also assist in making applications and lodging appeals, including the collation of documents to support this process.

Accommodation Reports

If a client has suffered a life changing injury, consideration needs to be given to their future accommodation requirements to ensure that they are suitable. This may include moving home and / or adapting properties.


The team can provide expert advice in relation to the financial considerations, such as analysing the costs of rental and or mortgage payments.

To hear more about Extended Services for PI and Clinical Negligence cases or to discuss your specific requirements call 0113 387 5670

Alternatively you can send an email to enquiries@forthsonline.co.uk or fill out an Enquiry Form and a member of our team will contact you at the earliest possible convenience.

Clients with Undeclared Earnings

April 18, 2024
Undeclared Earnings - Making a Voluntary Disclosure to HMRC

Tax Changes 2024 - National Insurance / State Pension

By Liam Bottomley • January 10, 2024
Recent tax changes announced by Chancellor Jeremy Hunt may mean that any future loss calculations may require review. If you have an ongoing case that we have assisted with, we would be happy to discuss this with you. Likewise, for any potential new instructions we are always happy to have an initial chat. National Insurance Cuts On 6th January 2024 cuts to National Insurance rates will come into effect for employed Claimants: The main NI rate is being cut from 12% to 10%. From April 2024 for self employed Claimants: Class 4 NI rate will reduce from 9% to 8%, and; Class 2 NI contributions will be scrapped. The changes will affect future Loss of Earnings calculations. State Pension Changes There will also be a rise in State Pension of 8.5% from April 2024. Losses to State Pension are considered on a case by case basis. How We Can Assist Our experienced team assist with Loss of Earnings, Pension Loss and Loss of Dependency elements in all types of PI, Clinical Negligence and Fatal cases. Our approach is to ensure that your client’s Special Damages are optimised. We offer flexible solutions and reporting styles depending on the case requirements, and can assist you in the information discovery process. We are also happy to liaise directly with clients to assist in the progress of the case. For more information about our hourly rates for Expert CPR or White Label / Agency Services, and deferred payment terms, talk to our team. Contact us here Call us on 0113 387 5670 Email - enquiries@forthsonline.co.uk

Pension Loss Update - Pension Allowance Changes

July 11, 2023
In the 2023 budget, Chancellor Jeremy Hunt announced fundamental changes to the Annual Allowance and Life Time Allowance charges for pensions savers. What are The Allowances? The Annual Allowance is the amount that an individual can pay into their pension scheme (both their own and their employer contributions) each year before paying Tax on the contributions made. The Life Time Allowance is the total amount an individual’s pension fund can be before they pay additional Taxes on their pension benefits. What Has Changed? The Annual Allowance has increased from £40,000 per annum to £60,000 per annum. The Lifetime Allowance, which was £1,073,100, has been abolished. What Does This Mean for Your Client? If you have a high earning client (often in the public sector where employer contributions are more generous), then your current calculation of lost pension benefits may include deductions for tax under both the Annual and Lifetime Allowance schemes and so may now be materially understated. How Can We Help? Our team have vast experience in assessing pension loss claims for all types of occupations and are fully au fait with the changes to the Tax rules from April. We would be happy to carry out a review of your pension loss calculations either on a stand alone basis or in conjunction with other relevant heads of claim.
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"Forths help take the chaos out of special damages claims."

"Your evidence undoubtedly assisted us in obtaining an excellent outcome for our client."

"If it had not been for your hard work we would have not been able to achieve this settlement for our client"

"Excellent advice and professional throughout in respect of assistance in making a tax disclosure."

"At every stage, the adviser I dealt with was extremely professional, straight forward and completely reliable."

"A fairly complex situation in our mind was dealt with very little hassle."

"A potential complex situation was made simple and I have an outcome which I am very happy with."

Contact us today to find out how we can assist you...

To hear more about our Post Settlement Services or to discuss a potential case with a member of our team, call us on 0113 387 5670.

Alternatively, you can email us at enquiries@forthsonline.co.uk or fill out an Enquiry Form and we will contact you directly.