Earning Capacity Assessments

Description

ECA has a range of products designed to address different Group Life and Retail Total and Permanent Disability definitions and similar income protection policies including:

• Employability assessments - Desktop, face to face, telephone/video link
• Employability assessments - Integrated with a physical and /or psychological assessments of capacity
• Physical assessments of capacity to work by an Occupational Physician
• Psychological assessments of capacity to work by a Registered Psychologist
• Labour market investigation assessments

In TPD the Insurer bears the evidentiary onus of obtaining evidence to establish that the “member” (covered person, insured) is not TPD at the relevant date of assessment. Gedeon v First State Super Trustee Corporation [2005] NSWIRComm 62 Marks J at [32]: Stevenson J Shuetrim v FSS Trustee Corporation [2015] NSWSC 464 at [43-50]

ECA’s assessments are designed to address the right issues so that a decision will withstand review.

As policy definitions vary ECA works closely with our cllients to ensure that the reports provided address the correct issues.

For example, by looking at the evidentiary implications for labour market investigations of an “unable” versus an “unlikely” definition.

What is an Employability Assessment?

ECA have adopted the definition of Employability Assessment developed by the Aluca “TPD Working group”

”“A Life Insurance Employability Assessment is an assessment of a person’s vocational capacity based on their education, training and experience and within their medical functional capabilities”

Our consultants

All of our Employability Assessment consultants meet the recommendations of the Aluca TPD Working group

What does an employability assessment include?

The definition of an Employability Assessment recognises that vocational capacity must be matched to a person’s functional capacity.

Medical functional capacity is usually derived from evidence provided by medical professionals, and includes both physical and psychological/cognitive functioning.

If you require medical functional capacity to be assessed we recommend our physical and psychologicalfunctional assessments designed to suit the requirements of the TPD claims process.

Depending on your requirements, the issues addressed by an ECA vocational assessment report will include:
Review of documentary material relevant to the physical capacity for work of the subject of the assessment.

• Review of documentary material relevant to the psychological capacity for work of the subject of the assessment.
• Assessment of education, training and experience and transferable skills
• Selection of vocational options that are suitable having regard to capacity for work and other vocationally relevant factors

Each ECA Employability Assessment report contains a careful and detailed analysis of the match between the subject and the vocational option identified as suitable and includes all of the information areas identified by the TPD Working Group:

• Demographics
• Policy details
• Purpose of assessment
• Method of assessment
• Documents reviewed
• Executive summary
• History of condition / treatment
• Functioning and work capacity
• Experience
• Avocational activities
• Transferable skills analysis
• Vocational options
• Labour market analysis
• Conclusion
• Appendix

Methods of assessment

An ECA Employability Assessment can be completed to suit your requirements using one of the following methods

• Desktop assesssment
• Face to face interview
• Telephone-based interview

We can also co-ordinate for a physical and/or psychological assessment of capacity for work to be conducted at the same time so that the Employability Assessment can have regard to the most current assessments of capacity.

In most cases all of the assessments can be scheduled to take place on the same day at the same location.

How to order

Ordering an ECA Employability assessment is very easy.

You can call us on 1300 72 34 71

Or

Just press the “Book Report” button and complete our simple on-line booking form.

A member of our team will call you to discuss your requirements.

If you have any questions do not hesitate to call and ask to speak to a member of our team.

Sample Reports

For some of our products we have de-identified sample reports available for review. Please contact our office if you are interested in seeing a de-identified sample report.