主要資料來源
簡明答案
簡明答案：這類 WPI 評估通常怎樣看
多重傷害和合併評估 的永久伤残評估不應只看诊断名称或影像结论。重點是 accepted injury、身體系統、maximum medical improvement (MMI)、NSW 指南方法、檢查所見、治療和手術紀錄、以及任何既往傷害或退變扣減是否有證據支持。
簡明答案
已接受的傷害
評估必須從保險公司已接受或正在爭議的傷害範圍開始。傷害描述過窄，可能影響評估方法和證據。
簡明答案
醫學評估方法
評估醫生需要按照 NSW Guidelines 和相關 AMA5 章節處理 MMI、檢查結果、既往扣減和身體系統。
簡明答案
索賠影響
WPI 百分比可能影響 Section 66、medical expenses、weekly payments 和 work injury damages 策略，不能只看數字。
評估路徑通常怎樣建立
多重傷害和合併評估 的 WPI 報告應說明推理過程，而不只是給出百分比。以下是依賴該百分比前通常需要核對的路徑。
List every 已接受的傷害 and body system from the same incident or 傷害, including any later consequential 傷害 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 專科醫生s assess different body systems.
NSW 指南和 AMA5 方法要點
多重 impairments from the same 傷害 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 心理傷害 receives no separate permanent 永久傷殘評估, although it may still affeCT 治療, 工作能力 and damages 證據.
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 已接受的傷害 and incident history.
A final combined WPI can affeCT SeCTion 66, medical expense time limits, weekly payment strategy and work 傷害 damages threshold advice.
哪些因素可能改變 WPI 百分比
最終百分比可能受評估方法、客觀檢查、手術結果、既往扣減以及多重傷殘合併方式影響。
- 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 報告 explains each source number and the combined final WPI.
- Whether primary psychiatric impairment, secondary 心理 symptoms and physical impairment have been separated correCTly.
評估醫生通常會核對什麼
- which injuries arose from the same incident or compensable 傷害
- whether separate body systems need separate 專科醫生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, 週薪賠償 and work 傷害 damages consequences
可能有幫助的證據
- all 專科醫生 報告s and the material sent to each assessor
- 已接受的傷害 descriptions and 保險公司 notices
- lead assessor 報告 or coordination material where 多重 body systems are involved
- operation notes, imaging, 心理 報告s and capacity 證據
- a chronology showing how each 傷害 affeCTs work and daily funCTion
保險公司或評估報告常見爭議
- percentages are treated as if they can simply be added together
- one 傷害 is omitted from the final impairment calculation
- physical and primary 心理 impairments are incorreCTly combined
- different assessors rely on different histories
- the 保險公司 relies on the final number without explaining the pathway
收到評估報告後要核對什麼
覆核 WPI 報告時要問的問題
報告中的風險信號
- 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 專科醫生.
- Primary psychiatric and physical impairment are combined into one total.
- The 報告 gives a final number without showing the source ratings, deduCTions and combination steps.
方法和依賴前核對
- 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 報告 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, 週薪賠償 or work 傷害 damages threshold advice.
這如何影響 Section 66、週薪和 work injury damages
SIRA 資料说明，身體傷害的永久伤残賠償通常需要达到 11% 或以上 permanent impairment；primary psychological injury 通常需要达到 15% 或以上。secondary psychological injury 在 NSW 中有不同處理。
這些門檻不是賠償承诺。實際影響要看 accepted injury、醫學證據、MMI、評估方法和保險公司如何使用该百分比。WPI 可能影響 Section 66 lump sum compensation、medical expenses 時间限制、weekly payments 策略，以及是否需要 work injury damages 門檻建议。
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.
常見問題
多重傷害和合併評估 的 WPI 可以自己計算嗎？
不應自行套用 AMA5 或网上表格。WPI 應由受训評估醫生按 NSW 指南、accepted injury、檢查结果和病历資料評估。你可以覆核報告是否使用了正确方法和資料。
多重傷害和合併評估 評估為什麼要等 MMI？
MMI 代表伤情已经穩定到适合評估永久影響的程度。如果治療、手術或康复仍可能明显改变情況，过早評估可能不可靠。
如果保險公司報告偏低怎麼辦？
先索取報告和發给評估醫生的資料。核對 accepted injury、身體系統、影像、手術、治療、工作限制和任何扣減理由，再決定是否需要爭議或进一步證據。
多重傷害和合併評估 會影響 work injury damages 嗎？
可能會。WPI 可能影響門檻和策略，但 work injury damages 还需要单独考虑 negligence、past economic loss、future economic loss 和證據一致性。不能只用百分比判断整個案件。
一般資料
本頁仅提供一般信息，不构成法律意見。你應就自己的情況取得法律建议，再依赖 WPI 百分比、接受一次性賠償或回應保險公司決定。
Reviewed by NSW Work Injury Claims - a branch of Stephen Young Lawyers.
相關傷害和評殘頁面
需要覆核 WPI 評估嗎？
如果百分比與 accepted injury、治療史、影像、手術、崗位要求或现有限制不一致，在接受保險公司立场前應先覆核報告。