ID12949 is an expert in several major areas of nursing including intensive care, mental health rehabilitation, aged care, cardiology and administration.
TPD (Total and Permanent Disablement) policies insure a person’s earning capacity against the risk that they will become totally and permanently incapacitated for remunerative employment.
The specific terms of TPD policies vary from insurer to insurer, and within the portfolio of a given insurer, but the underlying expertise issues generally remain the same.
At the bottom of this profile are brief details of a number of the experts that Expert Experts represents. Call our office to discuss your requirements and to obtain a recommendation that suits your needs and budget.What Expert Evidence
In general a Plaintiff has to establish illness or injury which disables them from doing their pre-injury job. Proof of that status prima facie brings them within the terms of a TPD policy.
The evidentiary onus then reverses and the Insurer is obliged to establish that the person is employable and therefore is not TPD within the meaning of the policy. Consequently, in practice, most of the expert evidentiary burden falls to Insurer.
There are 4 main expert issues to address when determining whether or not a person is employable, and therefore not TPD.
1. Physical capacity for employment.
Whilst the existence or absence of a specific impairment might best be determined by a medical specialist in a particular field, eg a surgeon, the question of the impact of an impairment on the capacity to work is the expertise of the occupational physician and they are best placed to provide those opinions.
2. Psychological capacity for employment.
This is usually assessed by a psychologist. A psychologist with with some experience in vocational psychology and rehabilitation is usually preferred.
Clinical psychological testing may be required in some cases.
3. Education, Training and Experience (ETE) or an employability assessment.
This is usually conducted by a rehabilitation consultant with experience in conducting return to work programs.
Whilst this component of the process is commonly referred to as an “Employability Assessment” it forms only 1 of the 4 elements required to establish employability and to show that a plaintiff is not TPD.
4. Labour Market evidence
This is usually conducted either by a rehabilitation consultant or an employment services consultant.
This covers both existence of the identified work options, consistency with residual capacity and ETE, and depending on the terms of the policy availability within a reasonably accessible labour market.
To address the relevant definition all 4 aspects of the expert evidence must address the relevant issues and must align.Sample Reports
For some fields of expertise we have some sample sections of de-identified reports. Please contact our office if you are interested in a sample.Cost
The overall cost of expert opinion depends on the services required. Some of the key factors that affect the cost of advice include:
A discussion of Hannover Life Re v JonesTPD: Reasonably Accessible Labour Markets Pt 1
A discussion of labour market issues in TPD Pt 1http://expertexperts.com.au/articles/item/tpd-labour-markets-v-reasonably-accessible-part-2
A discussion of labour market issues in TPD Pt 2Relevant Cases TAL Life Ltd v Shuetrim; MetLife Insurance Ltd v Shuetrim  NSWCA 68
Evidentiary onus on insurer to show there are specific occupations for which the applicant for TPD benefits is likely suited. TPD means both total and permanent.Hannover Life Re of Australasia Ltd v Jones  NSWCA 233
What does "reasonably fitted" include and how close must the link or connection to proposed work options be?Hannover Life Re of Australasia Ltd v Dargan  NSWCA 57
What is covered by ETE at date for assessment.Hannover Life Re of Australasia Limited v Sayseng  NSWCA 214
A classic statement of principlesBirdsall v Motor Trades Association of Australia Superannuation Fund Pty Ltd  NSWCA 104
What is covered by ETE at date for assessment.Manglicmot v Commonwealth Bank Officers Superannuation Corporation Pty Ltd  NSWCA 204
Part time work, pre-injury work.
ID12949 is an expert in several major areas of nursing including intensive care, mental health rehabilitation, aged care, cardiology and administration.
ID1116 is a psychologist with impressive clinical and educational experience. She has experience in counselling and psychotherapy for victims of early or complex trauma, and also psychological and vocational assessment.
ID6400 is an expert with a wide range of experience relating to criminology and forensic evidence - particularly the adequacy of photographic and CCTV evidence.
ID1405 is an extremely well qualified microbiologist with expertise in research, education, management and the provision of expert reports.
ID12900 is a professional beautician with expertise in hair, makeup, laser therapy, management and other related services. Outside her professional capacity she is also an experienced educator.
ID12770 is a road and vehicle safety expert with over two decades of related management, engineering and consultation experience.
ID2026 has more than 40 years’ experience as a Mechanical Engineer with particular expertise in ladders, stress analysis and product design concerning strength and stiffness.
Barrister ID12739 practises widely in the areas of Common Law including Public Liability, Motor Vehicle, Work Injury Damages, professional negligence and Product Liability on behalf of plaintiffs and defendants. ID12739 appears in the Supreme Court, District Court and also appears in CARS assessment hearings.
ID1996 has more than 30 years’ experience as a Chemical Engineer with expertise in safety, health and environmental issues, dangerous goods, hazardous chemicals, process reviews and project management across a vast array of industries.
ID1488 is an avid golf player and golf course architect with decades of experience in teaching the game and in the safety, design, construction and operation of courses.
ID12521 is a workplace safety consultant with expertise in relation to dangerous goods and chemicals. He is extremely well-versed in the interpretation of state, national and international legislation and codes relating to the storage, handling, transport and use of such substances.
ID12503 has great expertise in plastics, burns and reconstructive surgery and is working at one of the country’s leading designated burns units. She is a dedicated surgeon, passionate advocate and medical researcher.
ID1667 has been a Teacher and Director of several childcare centres for more than 40 years. She has been recognised in her field and received numerous awards and scholarships.
ID2365 is an Emergency Medicine Specialist with more than 40 years’ experience.
ID6516 is a Marine Engineering Surveyor and Safety expert particularly in matters involving offshore platforms, machinery failure investigation, the oil and gas sector, foreign going ships, vessels and cargo/freight transportation.
ID12410 is an experienced alpine safety and environmental risk manager who has worked in numerous ski fields around the world.
North Island, New Zealand
ID10471 is a highly qualified security and safety expert with police, prison, mining, military, emergency service, counter terrorism and roping/climbing experience.
ID1920 is a specialist plastic and reconstructive surgeon with particular expertise in gender reassignment surgery. He performs a variety of cosmetic, reconstructive, hand and therapeutic surgery and can also advise on non-surgical procedures such as cosmetic denervation and dermal fillers.
ID1849 has more than 45 years’ experience in electrical engineering with expertise in acoustics, audio, communications, computing, electronics and video.
ID11982 has been an Otolaryngologist (Ear, Nose and Throat Surgeon) for more than 45 years in both hospitals and private practice. He is an experienced surgeon who also has a professional interest in allergies and immunology.
ID10070 has more than 24 years’ experience in work health and safety consulting and auditing across a variety of industries at strategic and operational levels both in Australia and overseas.
ID12317 was trained in Microbiology and Molecular Virology at an Australian university and hospital / institute under leading Professors in the field.
Since that time his work has focused on understanding the structure and assembly of hepatitis viruses, and the use of this information to design better diagnostics, vaccines and antiviral therapies for control of major viral infections in humans.
ID12308 has more than 25 years’ experience as a psychologist with specific expertise in bullying and harassment investigations, complex stress claims, risk management, and workplace conflict resolution.
ID7391 is a Director and Principal engineer with over 25 years’ experience in design and delivery of structural and civil engineering projects. He provides insight and judgment that assists in guiding clients through the many decisions required to deliver a successful outcome, and he does this in a considered, collaborative manner with our clients and other consultants sharing a common goal.
ID12286 has a career spanning more than two decades, initially within emergency response and he now owns and operates a highly successful international consultancy firm specialising in high risk workplace WHS/OHS.
ID11990 is a highly skilled General Practitioner with over 30 years’ experience in private practice, medical education and medico-legal matters. He is currently an expert consultant for eight national legal firms.
ID11972 has over 25 years’ experience as a General Practitioner and has been responsible for the delivery of services over a wide clinical spectrum including acute trauma, obstetrics, anaesthetic and aged care services.
ID9384 has over three decades of clinical experience as an Ophthalmologist.
ID1703 is a martial arts professional with a competitive career spanning over 20 years and more than 1,000 fights, both in Australia and internationally. He continues to stay within the martial arts industry as a world class training facility owner, teacher and coach to students and professional fighters.
ID2393 has more than 60 years’ experience in civil engineering, building, property development and management, real estate and contract administration. He provides expert opinion on approximately 50 cases each year with about 30% as an expert witness in Courts and Tribunals.
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Professor and Medical Oncologist best known for medical research and consultancy in oncology and blood diseases. He has published several books and numerous cancer research papers, holding numerous leadership positions with Australian and international professional societies over the past decades.
Expert ID4802 has over 18 years experience in occupational rehabilitation as a vocational assessor and qualified rehabilitation counsellor.
ID1687 is a Pharmacologist, Forensic Toxicologist and Chemist with more than 20 years’ professional experience.
ID7364 has over 35 years’ experience as a Forensic Engineer and has expertise in the investigation of fires, explosions and materials failures. He has completed over 3,000 investigations.
ID8109 is a human factors expert. Academically-qualified and professionally-experienced in the application of scientific principles from the behavioural / physical sciences in the investigation of injuries.
ID11008 has over 30 years’ experience as a materials scientist / engineer and has worked in Australia and internationally in the design, development, testing and analysis of materials used in industrial environments, with an emphasis on forensic analysis of production, installation and in-service failures.
ID8109 is a registered psychologist specialising in workplace injury matters and behaviour modification. More specifically, his focus is on human behaviour in workplace environments, and how modification techniques can be used to alter the way in which workplaces function and to prevent workplace psychological injuries.
ID3450 has over 25 years’ experience and is an expert in vehicle & structural crashworthiness, crash & incident investigations & reconstruction, human injury prevention, crash & laboratory testing, computer simulation of crashes, impacts & injury mechanisms, structural impact and stress engineering.
ID5625 is a legally qualified medical practitioner registered with the Medical Board of Australia with 35 years of clinical experience.
ID1824 has 20+ years of experience working in the areas of biomechanics and injury investigation. He also has extensive experience in providing expert witness services in a wide range of cases.
ID11348 is a highly experienced and skilled expert in the fields of forensic and safety engineering, with over 25 years’ experience in the field. He has provided litigation support and quality expert reports for hundreds of cases.
Expert ID8363 is a labour market researcher with over 15 years experience in Vocational and Psychological Functional rehabilitation and medico-legal assessment with experience across multiple schemes and industries.
Expert ID1118-2 is a highly skilled registered psychologist with 10 years experience in assessing psychological capacity in medico-legal settings.
Sydney / NSW
Expert ID9012 is a highly skilled registered psychologist and vocational assessor.
ID10475 is a registered psychologist who has over 10 years’ experience in clinical rehabilitation, and assessment of earning, vocational and psychological capacity.
Expert ID1134 has over 25 years experience as an occupational physician.
Expert ID1118 is a highly skilled registered psychologist and vocational assessor.
Expert ID1137 has over 15 years clinical experience in occupational health and primary care and has worked in injury management, emergency medicine, general practice, and remote corporate health.
Expert ID9610 has 15 years accreditation as a Registered Psychologist and has extensive experience in the areas of vocational, psychological function and earning capacity assessments in a range of settings including in recruitment, occupational rehabilitation and medico-legal contexts.
Expert ID8682 is a qualified rehabilitation counsellor with over 15 years experience in occupational rehabilitation.
ID10710 is a specialist in the many facets of process engineering, including water and mining treatments, with over 35 years of experience. Alongside his consulting work, his research papers have contributed extensively to the scholarship surrounding the field.
Hunter Valley NSW
Over the course of his forty year career, ID7384 has worked on railway projects throughout Australia in a variety of roles extending from practical to advisory. His range of expertise spans railway processes from the planning stage to execution, including safeworking, workplace training, and the review of operational procedures. He has worked in operations of varying sizes, from smaller private railways to sprawling state-wide public transport networks.
ID7857 is an expert in risk management consulting, with extensive qualifications and experience in the field of ergonomics. He has worked as a specialist in safety for over 15 years, including in the manufacturing, sports and transport industries.
ID2102 is a highly qualified and experienced professor specialising in animal husbandry and welfare science. This expert is also very familiar with presenting expert evidence.
ID7975 is an experienced expert in the area of fire and explosion investigation, having investigated more than 1,000 fires and explosions throughout Australia and the Asia-Pacific region.
ID1919 is a former Royal Australian Navy Officer who served for almost 30 years as a reservist Medical Officer. They are experienced in range of areas including general medical practice, tropical, naval, aviation, underwater and military medicine.
ID8945 is an orthoptist with 50 years’ experience in the field, having held a number of academic and professional offices. He specialises in the relationship between vision and workplace and other environments.
ID1429 has an extensive background in civil engineering and accident assessment. He specialises in the evaluation of crane accidents, among other construction-based failures, and is currently the head of his own independent engineering consultancy firm.
ID11743 is a well qualified and professional clinical neuropsychologist (focusing on psychological disorders associated with conditions affecting the brain) and forensic psychologist (focusing on application of psychological ideas to the legal and criminal justice systems) with extensive experience providing expert opinion evidence.
ID1211 is a forensic pathologist with a wide breadth of experience gained from being established in the industry for over thirty years. He has held multiple professorships and advisory positions within numerous government bodies.
ID7654 is a highly experienced specialist hydraulic services engineer, plumbing contractor, and civil/hydraulic services estimator with over 25 years of industry experience. His portfolio of experience includes a multitude of projects throughout Australia and the South Pacific.
ID11808 is a highly qualified ergonomist, OHS and injury management consultant. He has 27 years of experience in the field and has been the director of his own company for the last 10 years providing these services.
Expert ID9608 has extensive clinical rehabilitation experience and in recent years has specialised in the conduct of vocational and earning capacity assessments. In addition to conducting assessment, Expert ID9608 continues to perform case management, to assist with placing injured workers into suitable employment.
ID1133 has over 25 years of experience in all aspects of occupational health within industry, particularly in task design, ergonomics, injury, risk assessment and management, as well as occupational, workplace based rehabilitation, both as a consultant to industry and as the principal of a private practice.
Ophthalmologist with over 35 years’ impairment assessor experience under WorkCover, Comcare and CTP. Appointments include Expert Advisory Panel, representative for AMA Medico-Legal Committee, Board Member, Chairperson and Lecturer. Extensive clinical experience in oculoplastic, cataract, corneal and refractive surgery.
ID1858 is an experienced Human Factors specialist with qualifications in ergonomics and occupational therapy. ID1858 has extensive experience working with public work safety authorities to assess risks and to develop management plans.
ID7335 has over 20 years’ experience and currently works as a Human Factors and Ergonomics (HF/E) consultant advising companies on their systems of work. ID7335 has an extensive background in a number of industries, including healthcare and has frequently advised local health services advising on their safe systems of work including major project review of injuries, OHS advisory and risk management process for clinical aggression and harassment injuries.
ID8719 is a highly qualified expert witness and trade qualified plumber with over 25 years’ experience in commercial, industrial and domestic plumbing to all sewer, gas and water services.
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