45 years (43.93) and the figure for 46 years (42.87) and interpolate between the two (46-45.75) x 43.93 + (45.75-45) x 42.87 to give 43.14 years. How to calculate multiplier for lifetime loss If the claimant is to suffer a loss that will last their entire life, you need to use Table 1 (for males) or Table 2 (for females) and use the data in the 2.5% column. So for a 50-year-old male, using Table 1 you would look down to first column to find 50 and then across to the 2.5% column which gives a figure of 22.69. How to calculate value of a single loss in the future If the claimant needs to pay for something in the future, then the present value can be worked out using Table 27. Look up the period in the future in the first column and then across to the 2.5% column for the multiplier. For example, a purchase required in 10 years time would need to multiplier by 0.7812. How to calculate multiplier for loss over a period If the claimant has a recurring loss over a period of say 15 years, then use Table 28 looking up 15 in the first column and then across to the 2.5% column which gives a multiplier of 12.54. If the loss does not start until some time in the future, then you can combine Table 27 and Table 28 to give an overall multiplier. For example a loss over a period of 15 years that starts in 10 years time would have a Table 27 multiplier of 0.7812 and a Table 28 multiplier of 12.54 giving an overall multiplier of 9.80. References External links Compensation for injury and death (Ogden tables) - from UK Government Actuary's Department piCalculator - Complete Schedule of Loss and Reserving Tools for Personal Injury Claims Frenkels Calculator - Frenkels Calculator incoroporationg Ogden Calculator and Loss of Earnings Calculator Actuarial science Forensic statistics Medical malpractice