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Functional Assessments against policy criteria

Functional Assessments against policy criteria

Outcome

  • Written report
  • Test results for whether the policy criteria are met
  • Additional relevant information to support claims management

Method of delivery

Purpose of the Service

Functional assessments are to assess the function of the individual against a set of criteria provided by the claims assessor

What is a Functional Assessment?

This assessment is individually designed according to each situation so that the assessor is able to objectively identify whether the individual meets the specific policy criteria. For example to ascertain whether a claimant meets the criteria for total and permanent disability or assessing Instrumental Activities of
Daily Living (IADLs) for a critical illness policy.

The assessment would usually involve clinical examination followed by testing of the individual carrying out each of the specific activity criteria provided and observation of functional activities. Other elements may be included depending on the referrer's requirements.

A written report is provided with results of the testing and assessment and any recommendations or further information to assist the claims management.

Who is this suitable for?

This type of assessment is used where it is unclear whether a claimant meets specific policy criteria to assist the claims assessor to manage the claim.

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Kind words from our clients

Ergocom provided in depth consultation covering a phased return to work plan, equipment for both home and workplace that would help with recovery and advice surrounding how colleagues could help in the workplace. The phased return to work plan was successful in that the return to work has now been sustained over a number of years.
Andrew Fitzsimmons
Manager Employer
Ergocom provided me with a friendly, approachable and very professional consultant who encouraged me where I felt I was regularly failing. Sue is just fantastic. I was speaking to someone who actually understood and who helped and supported me in a caring and constructive manner, which is what I so desperately needed. I have struggled badly, but this is the first decently sustained return to work after I had four failed attempts over a 16 month period.
AC
Employee
It has been good to look back from when I was recovering from the operation, to getting back to work and to where I am now.  Christa’s support meant that I did not have to stress about work, and that I was not going to be forced into work before I was ready.  The ‘hand-holding’ when I did start work was important - I needed someone one to say, “no, not yet’ and “OK, now you are ready to give it a go".
Paul Thornton
Employee
It’s been really good having you working on the account and I have really valued your input (and wisdom ) on the wide variety of cases we have.
Employer
Client
Support from Ergocom has been a great asset in my rehabilitation and return to work. Being able to speak to a third party with an understanding of the difficulties of returning from a major illness and surgery has been an invaluable source of comfort and support through the “ups and downs”. 
Stuart
Individual
I wanted to say a huge thank you for all of your help and support, I couldn’t have made it back to where I am now without your help. My doctor also said that he has been very impressed with how my employer has handled my return, and I believe that a lot of that credit must go to you. I was dreading returning to work, but you have made it so much easier than I thought it would be.
TK
Individual
The help and advice I have received has been invaluable. The guidance and support provided to me has given me the tools I needed to work with my employer to ensure an amicable agreement during my return to work.
Shaun Toner
Individual