had suffered total disability of upper limb at 33%. Further, PW-2 Doctor has assessed the disability occurred to the elbow, lower limb with respect to the mobility component and assessed permanent disability at 20% towards left lower limb. The Doctor had assessed the whole body disability by taking into consideration upper limb, right shoulder, right elbow, right wrist, right hand. Therefore, it is the opinion of the Doctor that the permanent disability towards whole body is 18% but the Tribunal has reduced it to 15% without assigning any reasons. Considering these aspects, the petitioner had suffered totally five fractured injuries. As per Doctor’s evidence, the fractures even though have been united but with a mal-union of the clavicle. Therefore, I do not find any fault in the Tribunal holding that the claimant had suffered 18% of permanent physical disability. As discussed above, the claimant was doing part-time salesman work in a shop and learning student. Therefore, considering the nature of the avocation of the claimant and pleading and by applying the principle of law as per the Hon'ble Apex Court’s issued guidelines regarding how to calculate future loss of income from disability and what are the parameters to be