eca@ecapacity.com.au 1300 72 34 71

ECA:
Income Protection, Total and Permanent Disability and Life Insurance - Products and Services

PRODUCTS AND SERVICES MEETING DIFFERENT LEGAL TESTS

ECA designs products and services to meet the particular business process, evidentiary and decision making needs of clients across a range of different areas of law.

While the product names are kept consistent across different areas to reflect the structure of the product, the specific content of the products and services varies by area of law to meet the different specific questions required to be answered in each area.

ECA has a range of products designed to address different Group Life and Retail TPD definitions and similar income protection policies.

Opinions can be provided as at date of examination or in respect of a specific past relevant date (the date of assessment) at which TPD fell to be determined.

Depending on the issue the assessment may involve examinations and interviews or be done by way of Desktop / Paper only assessment.

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 Clients 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.

Physical + Vocational + Labour Market Assessment

This comprehensive multi-disciplinary assessment addresses the likelihood of a member with physical impairments ever working again in an occupation for which they were suited by reason of their training, education and experience at the date of assessment.

The Occupational Physician and Vocational Consultant liaise to identify specific work options which meet the policy definitions at the date of assessment. The Vocational Consultant provides a Labour Market Assessment to establish that the identified work options include real jobs which exist, and existed at the date of assessment, in the reasonably accessible labour market, and which the member both could do and would be a viable candidate to obtain.

Psychological + Vocational + Labour Market Assessment

This comprehensive multi-disciplinary assessment addresses the likelihood of a member with psychological impairments ever working again in an occupation for which they were suited by reason of their training, education and experience at the date of assessment.

The Occupational Physician and Psychological Consultant liaise to identify specific work options which meet the policy definitions at the date of assessment. The Vocational Consultant provides a Labour Market Assessment to establish that the identified work options include real jobs which exist, and existed at the date of assessment, in the reasonably accessible labour market, and which the member both could do and would be a viable candidate to obtain.

Physical + Psychological + Vocational + Labour Market Assessment

This comprehensive multi-disciplinary assessment addresses the likelihood of a member with physical and psychological impairments ever working again in an occupation for which they were suited by reason of their training, education and experience at the date of assessment.

The Occupational Physician, Psychological and Vocational Consultant liaise to identify specific work options which meet the policy definitions at the date of assessment taking into account all impairments. The Vocational Consultant provides a Labour Market Assessment to establish that the identified work options include real jobs which exist, and existed at the date of assessment, in the reasonably accessible labour market, and which the member both could do and would be a viable candidate to obtain.

These assessments are particularly useful when you already have on file specific evidence of all physical, and/or psychological, restrictions required to allow the member to work, and of the member's capacity for hours of work within those restrictions, so that a Vocational Consultant can rely on that material to select suitable work options without further input from a Medical Consultant or Registered Psychologist.

Vocational Assessment + Labour Market Assessment

A Vocational Consultant assesses suitable work options taking into account the assumptions you provide regarding the member's physical and/or psychological capacity for work and assesses occupations for which they were suited by reason of their training, education and experience at the date of assessment.

The Vocational Consultant provides a Labour Market Assessment to establish that the identified work options include real jobs which exist, and existed at the date of assessment, in the reasonably accessible labour market, and which the member both could do and would be a viable candidate to obtain.

Labour Market Assessment

A Vocational Consultant provided with identified work options provides a Labour Market Assessment to establish that the identified work options include real jobs which exist, and existed at the date of assessment, in the reasonably accessible labour market, and which the member both could do and would be a viable candidate to obtain.

Physical Assessment

An Occupational Physician examines the member and assesses medical and physical functional capacity to work. The report addresses impairments and likely prognosis at date of assessment, capacity for hours of work, likely reasonable restrictions required to exercise work, and ability and / or likelihood (depending on policy) of ever working again at date of assessment in some capacity.

Psychological Assessment

A Registered Psychologist examines the member and assesses psychological functional capacity to work. The report addresses impairments and likely prognosis at date of assessment, capacity for hours of work, likely reasonable restrictions required to exercise work, and ability and / or likelihood (depending on policy) of ever working again at date of assessment in some capacity.

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