Regarding wraiths there’s no definitive guidance, but this is what I would go with. It’s captured the character’s life essence, so if you destroy the wraith, I would assume the lost essence is regained the next time you rest. Likewise if an Immortal dies and returns to life, I would imagine they regain whatever points they lost as part of their regeneration.
I would also imagine there’s consumable remedies that can counter the drain, either some kind of high tech medicine that rebuilds the damaged flesh or a spellstone that mystically removes the curse.
But also Viking Death Squad is a grim game. If you want to deny any or all of these methods of restoring a maimed character it would not be out of keeping with the tone of the setting.