Introduction

​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:

  • The need for a view or inspection of a location
  • The quantity of documentary material to be reviewed
  • Whether there are reports of other experts to be reviewed and commented on in detail
  • Whether there is a need for conferences with the expert either in person or by telephone/Skype
Relevant Articles Practical Employability Assessment Issues: Hannover Life Re v Jones

A discussion of Hannover Life Re v Jones

TPD: Reasonably Accessible Labour Markets Pt 1

A discussion of labour market issues in TPD Pt 1

http://expertexperts.com.au/articles/item/tpd-labour-markets-v-reasonably-accessible-part-2

A discussion of labour market issues in TPD Pt 2

Relevant Cases TAL Life Ltd v Shuetrim; MetLife Insurance Ltd v Shuetrim [2016] NSWCA 68

Evidentiary onus on insurer to show there are specific occupations for which the applicant for TPD benefits is likely suited.[49] TPD means both total and permanent.

Hannover Life Re of Australasia Ltd v Jones [2017] 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 [2013] NSWCA 57

What is covered by ETE at date for assessment.

Hannover Life Re of Australasia Limited v Sayseng [2005] NSWCA 214

A classic statement of principles

Birdsall v Motor Trades Association of Australia Superannuation Fund Pty Ltd [2015] NSWCA 104

What is covered by ETE at date for assessment.

Manglicmot v Commonwealth Bank Officers Superannuation Corporation Pty Ltd [2011] NSWCA 204

Part time work, pre-injury work.

Profiles of Experts in Life, TPD and Disability

Below are short profiles of a few experts with expertise in this field. Please contact our office to discuss your specific requirements and to obtain a recommendation that suits your needs and budget. Expert Experts are experts in finding the right expert for your needs and you pay no more to use Expert Experts than if you searched and found the expert yourself.

  • #ID1920

Specialist Plastic and Reconstructive Surgeon

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.


  • #ID10070

WHS Consultant and Auditor

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.


  • #ID7391

Structural and Civil Engineer

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

WHS - Safety and Emergency Response Consultant

​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.


  • #ID11972

General Practitioner

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.


  • #ID2393

Forensic and Investigative Civil Engineer

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.


  • #ID8109

Psychologist

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

Engineer – crash investigations, structural impact and stress engineering

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.


  • #ID1824

Biomechanics and injury investigation

Expert ID 1824 has over 23 years of experience working in the areas of biomechanics and injury investigation. The expert also has a highly successful 14 years of experience in providing expert witness services within a wide range of cases.


  • #ID11348

Forensic and safety engineer/road safety

ID11348 is a highly experienced and skilled expert in the fields of forensic and safety engineering, with over 25 years of experience in the field. The expert has provided litigation support and quality expert reports for hundreds of cases.


  • #ID9610

Psychologist, vocational assessor

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.


  • #ID7857

Work health safety, sport safety, & risk management consultant

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.


  • #ID1919

Tropical, Naval, Aviation and Underwater Medicines

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.


  • #ID1429

Civil Engineer and Accident Investigator

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

Clinical neuropsychologist and forensic psychologist

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

Forensic Pathologist

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.


  • #ID9608

Vocational assessor / Work option identification

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

Occupational physician

​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.


  • #ID1858

Ergonomist / work health safety / trains and trams

​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.


Contact us at answers@expertexperts.com.au or give us a call 1300 72 66 55

Expert Experts sources experts in all disciplines for lawyers, insurers, government, industry and individuals across Australia and internationally.

Logo

Since 2001 Expert Experts have been helping clients across Australia find the right expert to address their evidentiary requirements across many areas of law.

Let us help you save time and cost.

Contact Details

P.O. Box 358
St Leonards 1590
Phone: 1300 72 66 55
Fax: 1300 72 66 33
Email: answers@expertexperts.com.au