My injury may be permanent.
Permanent impairment assessments, maximum medical improvement, and lump-sum options.
Last reviewed
In one sentence
A permanent injury may entitle you to a lump-sum payment, but timing and thresholds differ between schemes.
What this means
When your condition has stabilised — often called 'maximum medical improvement' — a doctor trained in impairment assessment can measure your permanent impairment, usually as a percentage of 'whole person impairment' (WPI).
That percentage may decide whether you can get a statutory lump sum and whether you can bring a common law claim for negligence. Each scheme uses different thresholds, and psychological injuries are often treated differently from physical injuries.
Getting the assessment right matters. You may be able to challenge an assessment you disagree with.
Things to know
- Assessments are usually done once your injury has stabilised.
- Thresholds (percentages) differ between states and between physical and psychological injuries.
- A common law claim may be worth more than a statutory lump sum, but has strict requirements.
- Get advice before accepting any assessment or settlement offer.
Common questions
What is WPI?
Whole Person Impairment — a percentage that measures how much your injury affects your body or mind as a whole, using medical guidelines.
Who arranges the assessment?
It depends on the scheme. Sometimes the insurer, sometimes you or your lawyer, and sometimes an independent body.
Can I get a lump sum and still receive weekly payments?
In some schemes, yes. In others, receiving certain lump sums ends weekly payments. Get advice before deciding.
What you can do next
- 1Ask your treating doctor if your condition has stabilised.
- 2Find out your scheme's impairment thresholds (see your state page).
- 3Talk to a lawyer about lump sum and common law options — many offer a free first consultation.
- 4Check your super for TPD cover.
General information only. Rules change and depend on your circumstances. Check with your regulator or get independent legal, financial or medical advice about your situation.