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Handling a payout for a life-altering injury – usually of more than £1 million or several million pounds – can be a very overwhelming experience for any person or family.
With the payout, the affected person’s deputy, trustee, lawyer, and team of financial advisers can work together to provide a reliable source of income, which may be used, in part or in whole, to provide lifelong care and support to the individual.
Without such support, the person’s family could find that the payout funds run dry over time, or that the administrative burden of managing the money is challenging, to say the least.
Our work with personal injury clients and professionals
IPS Capital is a specialist, independently owned firm that works with those who have received a lump sum due to life-altering, or life-limiting, injuries either at birth or during the course of their life.
Not only this, but we provide guidance to professional deputies (and can recommend them) and work closely with clients’ legal teams and trustees where appropriate. Together, we create a comprehensive plan to support the client in any way they need.
2 important ways we can help to manage a payout
1. Strategic investment
Taking a substantial payout in cash leaves the money vulnerable to the eroding effects of inflation.
As an example, costs covered by £1 million in 2006 would require more than £1.7 million in January 2026. [1]
For our clients’ funds to keep pace with inflation and continue to meet their needs, our team will strategically invest a portion of the payout to give it the best chance of long-term growth – thus aiming to secure future financial stability for the vulnerable individual.
2. Long-term support for changing circumstances
Personal injury cases are unique. The affected individual could remain in need of constant care, or their care and support needs may change over time.
As their payout is a finite resource, the funds usually require careful ongoing management and, potentially, a flexible approach if the client’s needs do change.
Our team is here to support you with the outcomes of Court of Protection and personal injury claims
To discuss anything you have read about here, contact your Relationship Manager or email info@ipscap.com for more information.
Please note
This article is for general information only and does not constitute advice. The information is aimed at individuals only.
All information is correct at the time of writing and is subject to change in the future.
Please do not act based on anything you might read in this article. All contents are based on our understanding of HMRC legislation, which is subject to change.
The Financial Conduct Authority does not regulate estate planning or tax planning. IPS Capital does not provide tax or legal advice.
Sources
[1] 18.02.2026 Inflation calculator Bank of England
