主要資料來源
簡明答案
簡明答案：這類 WPI 評估通常怎樣看
心理傷害 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
心理傷害 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。
First decide whether the 已接受的傷害 is primary 心理傷害 or 心理 symptoms secondary to a physical 傷害. That classification can change whether a psychiatric WPI 評估 is available.
Check that the assessor is an appropriately trained psychiatrist using the NSW psychiatric impairment method, not a generic AMA5 Chapter 14 percentage.
Confirm the primary psychiatric diagnosis, diagnostic reasoning, 治療 history, medication, hospital history and course of symptoms over time.
Review each Psychiatric Impairment Rating Scale (PIRS) area: self-care, social/recreational aCTivity, travel, relationships, concentration/persistence/pace and employability.
Keep WPI separate from seCTion 11A, reform strategy, 週薪賠償 and 治療 爭議. Those legal questions matter, but they are not the same as the medical rating method.
NSW 指南和 AMA5 方法要點
NSW does not simply use AMA5 Chapter 14 for psychiatric impairment. The NSW guideline substitutes its own psychiatric impairment rating method.
The assessment should be performed by a psychiatrist trained in the NSW method, and the 報告 should identify the primary psychiatric diagnosis with recognised diagnostic criteria.
The Psychiatric Impairment Rating Scale (PIRS) considers self-care and personal hygiene, social and recreational aCTivities, travel, social funCTioning, concentration/persistence/pace and employability.
The 報告 should use concrete funCTional examples for each PIRS category, not only labels such as mild, moderate or severe.
Primary 心理 impairment is assessed separately from physical impairment. The results of primary psychiatric and physical assessments cannot be combined into one WPI number.
Secondary 心理傷害 is treated differently and receives no separate permanent 永久傷殘評估 for SeCTion 66 purposes, although it can still matter for 治療, capacity and damages 證據.
The assessor should explain whether any pre-existing psychiatric condition has contributed to impairment and how any deduCTion is calculated.
A psychiatric WPI 報告 is not a liability decision. It does not by itself answer whether seCTion 11A or other legal defences apply.
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。
- PIRS class allocation across the six funCTional domains and whether the examples given support the class chosen.
- Whether the diagnosis is current, work-related and stable enough for permanent assessment.
- 治療 response, ongoing therapy, medication, relapse pattern and funCTional consistency across records.
- Any deduCTion for pre-existing psychiatric impairment and whether it is reasoned under the same psychiatric method.
- Whether symptoms are primary 心理 impairment or secondary symptoms flowing from physical 傷害, pain, disability or 索賠 stress.
評估醫生通常會核對什麼
- whether the 索賠 is accepted as primary 心理傷害 or secondary symptoms after a physical 傷害
- whether seCTion 11A or management-aCTion issues affeCT liability
- psychiatric diagnosis, 治療 history and current funCTional impaCT
- whether symptoms have stabilised enough for 永久傷殘評估
- whether physical 傷害 impairment and primary 心理 impairment are being kept separate
可能有幫助的證據
- GP notes, psychologist or psychiatrist 報告s and medication history
- workplace chronology, incident material and 保險公司 liability notices
- certificates of capacity dealing with attendance, concentration, interaCTion and reliability
- rehabilitation provider notes and failed return-to-work attempts
- records explaining whether symptoms arise direCTly from workplace events or secondarily from physical 傷害 consequences
保險公司或評估報告常見爭議
- the 保險公司 says the condition is secondary and cannot support permanent impairment compensation
- the 保險公司 says work was not a substantial contributing faCTor
- seCTion 11A is raised in response to management aCTion
- the diagnosis is accepted but capacity impaCT is understated
- the assessment mixes 心理 impairment with physical impairment contrary to NSW rules
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 報告 uses AMA5 mental-and-behavioural language rather than the NSW PIRS method.
- Primary and secondary 心理傷害 are blurred together without explaining the consequence for permanent impairment.
- PIRS categories are seleCTed without funCTional examples.
- The 保險公司 uses a low or unavailable psychiatric WPI to ignore 心理 symptoms in 週薪賠償 or 治療 爭議.
方法和依賴前核對
- Is the 傷害 primary or secondary?
- Has seCTion 11A been raised?
- Was the psychiatric method under NSW guidelines used?
- Are physical and 心理 WPI results kept separate?
- Does the 報告 explain 工作能力 effeCTs without promising compensation?
- A diagnosis alone does not decide psychiatric WPI; funCTioning over time matters.
- Secondary symptoms may still affeCT 週薪賠償, 治療, 工作能力 and damages 證據 even if they are not separately rated for permanent impairment compensation.
- 心理傷害 pages should be legally reviewed because NSW reform and seCTion 11A issues may change strategy.
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
- NSW Chapter 11 replaces AMA5 Chapter 14 for psychiatric impairment.
- The guideline states secondary 心理 impairment receives no separate permanent 永久傷殘評估.
常見問題
心理傷害 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。
心理傷害 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。
心理傷害 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。