“…Using Tilling's example [1], a healthy 45-year-old patient, earning an annual wage of £30,000 (including benefits), will have 20 years of LE over a time horizon extending until retirement (age 65). If this patient suffers a disability that results in death after 10 years, then under standard care conditions TC (S) = PC(S) = £30,000 × (20-10) = £300,000.…”