主要資料來源
簡明答案
簡明答案：這類 WPI 評估通常怎樣看
皮膚、疤痕和燒傷 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
皮膚、疤痕和燒傷 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。
Identify the 皮膚 condition: burn scar, traumatic scar, surgical scar, dermatitis, chemical 傷害, infeCTion, recurrent 皮膚 condition or facial disfigurement.
Check whether the condition is stable. Scar maturation, further 手術, grafting, desensitisation, compression therapy or dermatitis 治療 may change the assessment timing.
Assess funCTion and symptoms, not only appearance. Sensitivity, breakdown, itching, infeCTion, movement restriCTion and 治療 burden can matter.
Consider whether the NSW TEMSKI method for minor 皮膚 impairment is relevant or whether AMA5 Chapter 8 with NSW modifications applies more broadly.
Review whether facial disfigurement, non-facial scarring and ordinary uncomplicated surgical scars are being treated under the right rule.
NSW 指南和 AMA5 方法要點
皮膚 永久傷殘評估 uses AMA5 Chapter 8 with NSW modifications, including NSW guidance for minor 皮膚 impairment.
Non-facial scarring is generally assessed as one 皮膚 impairment rather than separate ratings for every scar.
Facial disfigurement has specific considerations. Standard uncomplicated surgical scars may rate at 0% WPI.
The 報告 should consider symptoms, ADL limitation, 治療 requirements, sensitivity, movement restriCTion, infeCTion and recurrence where relevant.
The TEMSKI method may be relevant to minor 皮膚 impairment and should be used only where appropriate.
For burns, the assessment should adDREss funCTion, sensitivity, grafting, contraCTion, joint restriCTion and ongoing 治療 rather than use graphic appearance alone.
For dermatitis or chemical exposure, the 報告 should consider recurrence, PPE tolerance, irritant avoidance and whether the condition is stable enough for assessment.
Photographs may help, but the 報告 still needs clinical reasoning and a guideline method.
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。
- Extent, location, symptoms and funCTional effeCT of scarring or 皮膚 disease.
- Photographs, clinical description and whether the condition is stable or fluCTuating.
- 治療 requirements such as DREssings, compression, medication, grafting, desensitisation or recurrence management.
- ImpaCT on aCTivities of daily living, PPE tolerance, hygiene, exposure and safe return to duties.
- Whether scars are ordinary surgical scars, traumatic scars, burn scars, facial disfigurement or dermatitis from ongoing exposure.
評估醫生通常會核對什麼
- 已接受的傷害 wording: burn, scar, dermatitis, chemical exposure or 皮膚 condition
- 治療 course, grafts, DREssings, infeCTion and 專科醫生 follow-up
- funCTional restriCTions from sensitivity, grip, movement, heat, PPE tolerance or exposure risk
- whether the 皮膚 condition has stabilised or still fluCTuates with work exposure
- whether photographs and clinical descriptions are reliable and current
可能有幫助的證據
- hospital, GP, burns unit, dermatology or plastic 手術 records
- photographs taken for clinical purposes and 治療 chronology
- PPE, chemical, safety data sheet and incident material where exposure is involved
- certificates of capacity covering contaCT, heat, hygiene, PPE, grip or movement restriCTions
- records of recurrence, infeCTion, flare-ups or failed return-to-work attempts
保險公司或評估報告常見爭議
- the 保險公司 says the condition is cosmetic only
- a dermatitis flare is treated as temporary despite recurring work exposure
- photos are relied on without funCTional 證據
- chemical exposure is denied because workplace records are incomplete
- the 報告 does not adDREss sensitivity, movement or PPE tolerance
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 rates each non-facial scar separately without explaining why that is allowed.
- An uncomplicated surgical scar is treated as significant impairment without symptoms or funCTional effeCT.
- Dermatitis is assessed on a good-皮膚 day without adDREssing recurrence and workplace exposure.
- Burn scarring is described cosmetically but movement restriCTion, sensitivity and 治療 burden are ignored.
方法和依賴前核對
- Is the 皮膚 condition stable enough for assessment?
- Were 專科醫生 and 治療 records complete?
- Does the 報告 adDREss funCTion, not appearance alone?
- Is work exposure properly documented?
- Are recurrence and PPE tolerance considered?
- Visible scarring does not automatically equal a high WPI percentage.
- Cosmetic impaCT, sensitivity and funCTional limitation need careful clinical description.
- FluCTuating dermatitis may need stability and recurrence 證據 before permanent assessment.
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 皮膚 assessment modifies AMA5 Chapter 8.
- The NSW TEMSKI method is used for minor 皮膚 impairment in appropriate cases.
常見問題
皮膚、疤痕和燒傷 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。
皮膚、疤痕和燒傷 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。
皮膚、疤痕和燒傷 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。