Catastrophic Injuries to Children: Special Considerations in Illinois Personal Injury Law
Nothing prepares a parent for the moment their child suffers a serious, life-altering injury. The world narrows to the sound of hospital machines, the faces of doctors, and a profound sense of helplessness. When such a tragedy occurs because of someone else’s negligence, the emotional turmoil is compounded by a maze of legal and financial questions. An injury to a child is not just a smaller version of an adult injury; it is a profoundly different event with lifelong consequences that demand a unique and careful approach within the legal system.
The path forward involves considerations that do not exist in adult personal injury claims, from projecting a lifetime of needs for someone who has not yet lived a full life to ensuring their financial recovery is protected long into adulthood.
What Qualifies as a Catastrophic Injury to a Child?
A catastrophic injury is one that is so severe it leaves the victim with permanent disabilities, disfigurement, or a long-term medical condition. For a child, the impact is magnified, as the injury can fundamentally alter the entire course of their physical, cognitive, and emotional development. These are not injuries from which a full recovery is expected; instead, they require a lifetime of medical treatment, personal assistance, and adaptation.
Examples of catastrophic injuries in children often include:
- Traumatic Brain Injuries (TBI): Damage to the brain that can affect cognitive skills, physical abilities, and emotional regulation.
- Spinal Cord Injuries: Harm to the spinal cord that can result in partial or complete paralysis (paraplegia or quadriplegia).
- Severe Burn Injuries: Burns that cause extensive scarring, disfigurement, and require multiple reconstructive surgeries.
- Amputations: The loss of a limb, which necessitates prosthetics and extensive physical and occupational therapy.
- Birth Injuries: Conditions like cerebral palsy or Erb’s palsy that result from medical negligence during labor and delivery.
- Loss of Vision or Hearing: Permanent damage to a child’s sensory abilities.
- Internal Organ Damage: Severe harm to vital organs that may require ongoing medical intervention or transplants.
How Do Catastrophic Injuries to Children Commonly Occur?
While accidents can happen anywhere, catastrophic injuries to minors frequently result from specific, preventable scenarios where another party’s carelessness or wrongful act is a factor. Identifying the cause is the first step in establishing liability and pursuing the compensation needed for the child’s care.
Common causes include:
- Motor Vehicle Collisions: Accidents involving cars, trucks, buses, or motorcycles are a leading cause of severe injuries in children.
- Medical Malpractice: This can include birth injuries, surgical errors, anesthesia mistakes, or a failure to diagnose a serious condition in a timely manner.
- Premises Liability Incidents: Injuries that occur on someone else’s property due to unsafe conditions, such as swimming pool accidents, falls from heights, or injuries at playgrounds or amusement parks.
- Defective Products: Flawed design or manufacturing of children’s products like car seats, cribs, toys, or playground equipment can lead to devastating harm.
- Dog Bites and Animal Attacks: A severe animal attack can cause deep tissue damage, nerve damage, disfiguring scars, and significant psychological trauma.
- Negligence at School or Daycare: A lack of proper supervision, unsafe environments, or failure to follow safety protocols can lead to serious incidents.
How an Injury Claim for a Minor Differs from an Adult’s Claim
The legal process for a child’s personal injury claim in Illinois has several key distinctions from a claim filed by an adult. These differences are designed to protect the child’s interests, as they are not legally able to make decisions for themselves.
- Legal Representation: A child cannot file a lawsuit on their own behalf. A parent, legal guardian, or court-appointed representative must initiate the claim for them.
- Statute of Limitations: Illinois law provides an extended timeframe for minors to file a personal injury lawsuit.
- Court Approval of Settlements: Any settlement reached on behalf of a minor must be reviewed and approved by a judge to ensure the amount is fair and in the child’s best interest.
- Management of Funds: Settlement money is not paid directly to the parents. The court oversees the management of the funds to ensure they are preserved for the child’s benefit.
The Illinois Statute of Limitations for Minors
In Illinois, the standard statute of limitations for a personal injury claim is two years from the date of the injury. However, for individuals who are under the age of 18 at the time of the incident, this deadline is “tolled,” or paused. The law allows a minor to file a lawsuit anytime up to two years after their 18th birthday. This means an injured child generally has until their 20th birthday to file a claim.
While this extended period provides flexibility, it is almost always better to take action much sooner. Delaying can lead to lost evidence, faded witness memories, and a more difficult path to proving liability. Prompt investigation is essential to building a strong case.
Establishing Liability When a Child Is Harmed
To secure compensation, your attorney must prove that another party was negligent and that their negligence directly caused your child’s injuries. This involves demonstrating four key elements:
- Duty of Care: The at-fault party had a legal responsibility to act with reasonable care to avoid causing harm. For example, a driver has a duty to obey traffic laws, and a daycare has a duty to provide adequate supervision.
- Breach of Duty: The party failed to meet that standard of care. A driver who was speeding or a property owner who failed to fence a swimming pool has breached their duty.
- Causation: This breach of duty was the direct and foreseeable cause of the child’s injury.
- Damages: The child suffered actual harm, such as physical injuries, medical bills, and pain and suffering, as a result.
In cases involving children, the expected standard of care is often higher. For instance, entities like schools, camps, and daycare centers are held to a very high standard for protecting the children in their care.
Calculating the Full Scope of Damages in a Pediatric Injury Case
This is one of the most complex aspects of a catastrophic injury claim for a child. Unlike an adult with an established career and life history, damages for a child must account for a lifetime of unknown future needs. The goal is to calculate a sum that will cover every anticipated cost and loss over the course of the child’s entire life.
Damages are typically divided into two categories:
Economic Damages (Tangible Financial Losses):
- Past and Future Medical Expenses: This includes all costs from the initial emergency care to projected future surgeries, doctor visits, prescription medications, and hospitalizations.
- Rehabilitation Costs: Compensation for physical, occupational, speech, and vocational therapy.
- Assistive Devices: The cost of wheelchairs, prosthetics, communication devices, and other technology needed to assist with daily living.
- Home and Vehicle Modifications: Funds to make a home and vehicles accessible, such as installing ramps, lifts, or wider doorways.
- Long-Term Care: The cost of home health aides or placement in a residential care facility if needed.
- Loss of Future Earning Capacity: An economist helps project the income the child would likely have earned over their lifetime had they not been injured.
- Special Education or Tutoring: Costs associated with specialized educational needs resulting from the injury.
Non-Economic Damages (Intangible Losses):
- Pain and Suffering: Compensation for the physical pain and discomfort the child has endured and will continue to endure.
- Emotional Distress: Damages for the psychological impact of the injury, including fear, anxiety, and trauma.
- Disfigurement and Scarring: Compensation for the emotional and social harm caused by permanent scarring or physical alterations.
- Loss of a Normal Life: This is a significant component in a child’s claim. It compensates for the diminished ability to participate in and enjoy the typical activities and experiences of childhood and life.
How Settlement Funds Are Protected for an Injured Minor
When a settlement or verdict is reached, the funds are not simply handed over to the parents. Illinois law mandates that the money be protected for the child’s benefit until they are a legal adult. A judge must approve the plan for managing the funds, which often involves one of two primary tools:
- Structured Settlement (Annuity): The settlement funds are used to purchase an annuity, which is a financial product that guarantees a series of tax-free payments to the child over time. Payments can be scheduled to begin when the child turns 18, with disbursements designated for college, major purchases, and ongoing living expenses throughout their adult life.
- Special Needs Trust: For children whose injuries will require lifelong care and who may need to qualify for government benefits like Social Security (SSI) or Medicaid, a special needs trust is often the best option. The settlement funds are placed in this trust, which is managed by a trustee. The funds can be used to pay for supplemental needs—like therapy, education, and quality-of-life expenses—without disqualifying the child from receiving essential government assistance.
What to Do if Your Child Has Suffered a Catastrophic Injury
The steps you take in the immediate aftermath of a serious injury are vital for protecting your child’s health and their legal rights.
- Seek Immediate Medical Attention: Your child’s health is the top priority. Call 911 or take them to the nearest emergency room. Ensure you follow all medical advice for follow-up care.
- Report the Incident: If the injury was caused by a car accident, a defective product, or occurred on someone else’s property, report it to the appropriate parties, including law enforcement. Get a copy of any official report.
- Preserve All Evidence: Take photographs and videos of the scene of the accident, any hazards that contributed to it, and your child’s injuries. Keep the defective product, torn clothing, or any other physical evidence. Do not attempt to repair or alter it.
- Keep Detailed Records: Start a journal to document your child’s recovery journey. Note their pain levels, medical appointments, challenges with daily activities, and any emotional changes. Keep a file of all medical bills and receipts for related expenses.
- Refrain from Speaking to Insurance Adjusters: An insurance adjuster’s goal is to minimize the amount the company has to pay. Do not give a recorded statement or sign any documents without first speaking to an attorney.
- Consult a Personal Injury Attorney: Contact a law firm with experience in handling catastrophic injury cases involving children. An attorney can explain your rights, launch an immediate investigation, and handle all communications with insurance companies so you can focus on your child.
Navigating the Path Forward After Your Child’s Injury
A catastrophic injury changes a family forever. While no amount of money can undo the harm, securing a comprehensive settlement is the key to providing your child with the resources they need for the best possible care and quality of life. The legal team at Fotopoulos Law Office understands the immense responsibility that comes with representing an injured child. We are committed to providing the supportive and skilled advocacy your family deserves during this incredibly challenging time. If your child has been seriously injured due to another’s negligence, please contact us today at 708-942-8400 for a free and confidential consultation to learn how we can help.