主要资料来源
简明答案
简明答案：这类 WPI 评估通常怎样看
多重伤害和合并评估 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
多重伤害和合并评估 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。
List every 已接受的伤害 and body system from the same incident or 伤害, including any later consequential 伤害 that has been accepted or is being disputed.
Check whether each body system has been assessed under the correCT chapter before combining anything.
Use the Combined Values Chart where relevant. 多重 WPI numbers are not simply added together.
Keep primary 心理 impairment separate from physical impairment. It cannot be combined with physical WPI.
Consider whether a lead assessor is needed where different 专科医生s assess different body systems.
NSW 指南和 AMA5 方法要点
多重 impairments from the same 伤害 or incident are generally assessed together and combined using the AMA5 Combined Values Chart where relevant.
The numbers are not simply added. The highest impairment is usually combined with the next highest impairment in the required order.
The assessor should calculate each body-system impairment correCTly before combination. A combination chart cannot fix an incorreCT source assessment.
Primary 心理 impairment is assessed separately from physical impairment and cannot be combined with physical WPI.
Secondary 心理伤害 receives no separate permanent 永久伤残评估, although it may still affeCT 治疗, 工作能力 and damages 证据.
Where different medical assessors are required, a lead assessor may be needed to coordinate and calculate the final WPI.
Impairments from different injuries or dates may have different legal consequences and should not be merged without checking the 已接受的伤害 and incident history.
A final combined WPI can affeCT SeCTion 66, medical expense time limits, weekly payment strategy and work 伤害 damages threshold advice.
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。
- Whether all accepted injuries and body systems have been included.
- The order of combination, usually starting with the highest impairment and combining the next highest in turn.
- Whether deduCTions for pre-existing conditions have been made before or after the correCT body-system assessment.
- Whether the final 报告 explains each source number and the combined final WPI.
- Whether primary psychiatric impairment, secondary 心理 symptoms and physical impairment have been separated correCTly.
评估医生通常会核对什么
- which injuries arose from the same incident or compensable 伤害
- whether separate body systems need separate 专科医生s
- whether primary 心理 impairment is kept separate from physical impairment
- whether combined-values reasoning is explained rather than guessed
- whether the final WPI percentage is linked to SeCTion 66, 周薪赔偿 and work 伤害 damages consequences
可能有帮助的证据
- all 专科医生 报告s and the material sent to each assessor
- 已接受的伤害 descriptions and 保险公司 notices
- lead assessor 报告 or coordination material where 多重 body systems are involved
- operation notes, imaging, 心理 报告s and capacity 证据
- a chronology showing how each 伤害 affeCTs work and daily funCTion
保险公司或评估报告常见争议
- percentages are treated as if they can simply be added together
- one 伤害 is omitted from the final impairment calculation
- physical and primary 心理 impairments are incorreCTly combined
- different assessors rely on different histories
- the 保险公司 relies on the final number without explaining the pathway
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 final WPI is calculated by simple addition rather than the Combined Values Chart.
- A body system is missing because it was not sent to the right 专科医生.
- Primary psychiatric and physical impairment are combined into one total.
- The 报告 gives a final number without showing the source ratings, deduCTions and combination steps.
方法和依赖前核对
- Are all accepted injuries included?
- Is a lead assessor needed?
- Were percentages combined using the correCT method?
- Are 心理 and physical results kept separate where required?
- Does the final number match the documents and threshold issue?
- A missing body-system 报告 can understate the final WPI.
- IncorreCTly combining physical and primary 心理 impairment can create a legally unreliable number.
- The final percentage should be reviewed before it is used for SeCTion 66, 周薪赔偿 or work 伤害 damages threshold advice.
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
- The NSW guideline uses the AMA5 Combined Values Chart for 多重 impairments where relevant.
- 心理 and physical impairment have special separation rules.
常见问题
多重伤害和合并评估 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。
多重伤害和合并评估 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。
多重伤害和合并评估 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。