主要资料来源
简明答案
简明答案：这类 WPI 评估通常怎样看
截肢和严重伤害 的永久伤残评估不应只看诊断名称或影像结论。重点是 accepted injury、身体系统、maximum medical improvement (MMI)、NSW 指南方法、检查所见、治疗和手术记录、以及任何既往伤害或退变扣减是否有证据支持。
简明答案
已接受的伤害
评估必须从保险公司已接受或正在争议的伤害范围开始。伤害描述过窄，可能影响评估方法和证据。
简明答案
医学评估方法
评估医生需要按照 NSW Guidelines 和相关 AMA5 章节处理 MMI、检查结果、既往扣减和身体系统。
简明答案
索赔影响
WPI 百分比可能影响 Section 66、medical expenses、weekly payments 和 work injury damages 策略，不能只看数字。
评估路径通常怎样建立
截肢和严重伤害 的 WPI 报告应说明推理过程，而不只是给出百分比。以下是依赖该百分比前通常需要核对的路径。
Identify the 截肢 level, affeCTed body part and whether there are additional accepted injuries from the same incident.
Check whether the 报告 uses the relevant upper-limb or lower-limb 截肢 value and conversion pathway.
Assess residual funCTion, prosthesis use, stump symptoms, 皮肤 problems, neuroma, phantom symptoms, balance, transfers, dexterity and safe work tasks.
For serious 伤害 files, coordinate WPI with 治疗, prosthetics, OT, rehabilitation, care needs, transport, home modification, 心理 symptoms and 工作能力 证据.
If 多重 body systems are involved, consider whether a lead assessor or coordinated 报告 is needed to avoid missing or double-counting impairment.
NSW 指南和 AMA5 方法要点
截肢 assessment uses the relevant AMA5 tables with NSW modifications, and the rating cannot exceed the applicable 截肢 maximum for that part or region.
Upper-limb and lower-limb 截肢 values follow different regional conversion pathways, so the 报告 should show how the final WPI is reached.
A prosthesis may improve funCTion but does not automatically remove impairment. The 报告 should explain funCTion with and without assistive devices where the guideline requires it.
Residual symptoms such as neuroma, stump pain, 皮肤 breakdown, phantom symptoms or altered gait may affeCT 治疗 and capacity 证据, but the WPI method still needs guideline support.
Serious 伤害 files may involve 多重 body systems, prosthetic needs, rehabilitation, OT assessment, 心理 sequelae and work-capacity 证据.
Where several impairments arise from the same 伤害 or incident, a coordinated approach or lead assessor may be needed.
The WPI percentage can affeCT serious-伤害 status, 治疗 limits, 周薪赔偿 and work 伤害 damages strategy, but it is not a promise of any particular outcome.
Secondary 心理 symptoms should be considered for 治疗 and capacity 证据 without incorreCTly combining them as separate psychiatric WPI.
哪些因素可能改变 WPI 百分比
最终百分比可能受评估方法、客观检查、手术结果、既往扣减以及多重伤残合并方式影响。
- 截肢 level and the relevant regional maximum value.
- Residual limb funCTion, prosthetic fit, endurance and complications.
- Additional accepted injuries such as fraCTure, nerve 伤害, 皮肤 breakdown, CRPS, 心理 symptoms or back/neck 伤害 from the same incident.
- Whether any upper-limb or lower-limb ratings exceed the relevant 截肢 maximum.
- The combined effeCT of several body-system 报告s where the same incident caused 多重 impairments.
评估医生通常会核对什么
- accepted 截肢 level, traumatic 伤害, 多重 伤害 or catastrophic 伤害 description
- prosthetic, orthotic, OT, rehabilitation and 专科医生 证据
- whether 多重 physical impairments need coordination by a lead assessor
- impaCT on work durability, safety, daily aCTivities, care and transport
- whether the WPI result changes 周薪赔偿, 治疗 limits or damages threshold advice
可能有帮助的证据
- operation notes, prosthetic 报告s, rehabilitation plans and OT assessments
- 专科医生 报告s adDREssing long-term funCTion, aids, care and 治疗 needs
- certificates of capacity and vocational 证据
- domestic assistance, home modification and equipment records where relevant
- records of 心理 consequences, treated carefully as primary or secondary depending on the 证据
保险公司或评估报告常见争议
- the 保险公司 separates issues that need coordinated assessment
- prosthetic or OT 证据 is missing from the impairment review
- capacity is overstated because a device allows limited aCTivity
- secondary 心理 symptoms are ignored for 治疗 or capacity issues
- the WPI result is used without checking downstream damages consequences
收到评估报告后要核对什么
复核 WPI 报告时要问的问题
报告中的风险信号
- The 报告 rates anatomy only and ignores prosthesis tolerance, 皮肤 breakdown, endurance or safe duties.
- The assessment does not say whether assistive devices were considered correCTly.
- 心理 symptoms, care needs or OT 证据 are ignored because they do not fit neatly into the 截肢 table.
- 多重 serious injuries are handled by isolated 报告s that do not reconcile the final combined WPI.
方法和依赖前核对
- Was a lead assessor needed for 多重 impairments?
- Were prosthetic and OT records included?
- Does the 报告 adDREss praCTical daily funCTion?
- Are 治疗 and capacity consequences checked?
- Does the percentage affeCT serious 伤害 or damages strategy?
- A prosthesis may improve funCTion without removing all impairment or work restriCTion.
- Care, transport, home modification and vocational 证据 may matter outside the WPI percentage.
- Serious 伤害 strategy should be reviewed before accepting an assessment that may affeCT 多重 索赔 pathways.
这如何影响 Section 66、周薪和 work injury damages
SIRA 资料说明，身体伤害的永久伤残赔偿通常需要达到 11% 或以上 permanent impairment；primary psychological injury 通常需要达到 15% 或以上。secondary psychological injury 在 NSW 中有不同处理。
这些门槛不是赔偿承诺。实际影响要看 accepted injury、医学证据、MMI、评估方法和保险公司如何使用该百分比。WPI 可能影响 Section 66 lump sum compensation、medical expenses 时间限制、weekly payments 策略，以及是否需要 work injury damages 门槛建议。
Guideline notes
- NSW upper and 下肢 chapters use 截肢 maximum rules.
- 多重 body-system files may require coordinated assessment.
常见问题
截肢和严重伤害 的 WPI 可以自己计算吗？
不应自行套用 AMA5 或网上表格。WPI 应由受训评估医生按 NSW 指南、accepted injury、检查结果和病历资料评估。你可以复核报告是否使用了正确方法和资料。
截肢和严重伤害 评估为什么要等 MMI？
MMI 代表伤情已经稳定到适合评估永久影响的程度。如果治疗、手术或康复仍可能明显改变情况，过早评估可能不可靠。
如果保险公司报告偏低怎么办？
先索取报告和发给评估医生的资料。核对 accepted injury、身体系统、影像、手术、治疗、工作限制和任何扣减理由，再决定是否需要争议或进一步证据。
截肢和严重伤害 会影响 work injury damages 吗？
可能会。WPI 可能影响门槛和策略，但 work injury damages 还需要单独考虑 negligence、past economic loss、future economic loss 和证据一致性。不能只用百分比判断整个案件。
一般资料
本页仅提供一般信息，不构成法律意见。你应就自己的情况取得法律建议，再依赖 WPI 百分比、接受一次性赔偿或回应保险公司决定。
Reviewed by NSW Work Injury Claims - a branch of Stephen Young Lawyers.
相关伤害和评残页面
需要复核 WPI 评估吗？
如果百分比与 accepted injury、治疗史、影像、手术、岗位要求或现有限制不一致，在接受保险公司立场前应先复核报告。