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Florida court strikes UM future medical award over speculative life care plan
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Florida Appeals Court Reverses $230K Future Medical Award Over Speculative Life Care Plan

Florida's Second District Court of Appeal reversed most of a $230,000 future medical expenses award this week. The appellate court found the life care planner's testimony was based on speculation, setting a new precedent for how future medical claims will be evaluated across the state.

09/29/2026 · Florida edition

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Florida's Second District Court of Appeal reversed most of a $230,000 future medical expenses award this week. The appellate court found the life care planner's testimony was based on speculation, setting a new precedent for how future medical claims will be evaluated across the state.

This ruling directly impacts personal injury cases in Florida, particularly those involving long-term care needs. Residents and legal professionals should understand that the bar for evidence supporting future medical awards has now been raised, requiring more concrete projections and less speculative testimony from expert witnesses.

The original award, which exceeded two hundred thousand dollars, was intended to cover future medical expenses. However, the appellate court's decision scrutinized the foundation of the expert testimony, specifically the life care planner's projections for long-term care. This emphasizes the critical role life care planners play in these cases and the need for their assessments to be meticulously grounded in verifiable facts rather than assumptions.

The Second District Court of Appeal's decision serves as a clear directive for courts throughout Florida. It highlights the importance of protecting against speculative projections in future medical expense claims. Litigants and their legal teams must now ensure that any life care plans presented in court are built on solid, non-speculative evidence to withstand appellate review.

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