austlii:nsw/NSWPICMP/2026/104
General information, not legal advice.
NSWPICMP
2026-02-10
Original judgment source is linked above.
Ha v Descartes Underwriting Australia Pty Ltd [2026] NSWPICMP 104
WORKERS COMPENSATION - Workplace Injury Management and Workers Compensation Act 1998; psychological injury; appellant worker alleged assessment on the basis of incorrect criteria; demonstrable error in the making of all six assessments under the psychiatric impairment rating scale (PIRS) categories; challenged assessments under PIRS were all confirmed on appeal; Held - Medical Assessment Certificate confirmed.
Dr Surabhi Verma, a Medical Assessor, who issued a Medical Assessment Certificate (MAC) on 28 August 2025. 2. The appellant relies on the following grounds of appeal under s 327(3) of the Workplace Injury Management and Workers Compensation Act 1998 (the 1998 Act): * the assessment was made on the basis of incorrect criteria, and * the MAC contains a demonstrable error. 3. It is noted that the appellant also ticked the box on the Application to Appeal that she also relied on additional relevant evidence however no additional material was attached and no submissions were made in regard thereto. The Appeal Panel is satisfied that it is only the above two grounds of appeal upon which the appellant relies. 4. The delegate is satisfied that, on the face of the application, at least one ground of appeal has been made out. The Appeal Panel has conducted a review of the original medical assessment but limited to the grounds of appeal on which the appeal is made. 5. Rule 128 of the Personal Injury Commission Rules 2021 (the PIC Rules) and Procedural Direction PIC7 - Appeals, reviews, reconsiderations and correction of obvious errors in medical disputes set out the practice and procedure in relation to the medical appeal process under s 328 of the 1998 Act. An Appeal Panel determines its own procedures in accordance with r 128(1) of the PIC Rules. 6. The assessment of permanent impairment is conducted in accordance with the SIRA NSW Workers Compensation Guidelines for the Evaluation of Permanent Impairment, 4th ed
1 March 2021 (the Guidelines) and the American Medical Association Guides to the Evaluation of Permanent Impairment, 5th ed (AMA 5).
"The following matters have been referred for assessment (s 319 of the 1998 Act):
page and paragraph number in NSW workers compensation guidelines
Chapter, page, paragraph, figure and table numbers in AMA5 Guides
WPI deductions pursuant to S323 for pre-existing injury, condition or abnormality (expressed as a fraction)
Sub-total/s % WPI (after any deductions in column 6)
Total % WPI (the Combined Table values of all sub-totals)
1. Major Depressive Disorder with anxious distress
She showers' once every day to once every two days. She is able to do household chores, but procrastinates and does not do it as often. She does not feel motivated to do household chores on time. She cooks simple food like instant noodles and mostly relies on Uber Eats and take away from her parents. She has gained about 5 kg in the last two to three years.
She previously enjoyed long distance running, boxing and used to go out socialising, checking new bars, going to the restaurants and travelling. She still is able to meet up with her friend at least once a month and they usually meet up at a restaurant. She has been able to attend her friends' birthday parties. She continues to participate in marathons and ran the city to serve 14 km run about two weeks back. She however has not been doing this long distance running as frequently as before. She feels embarrassed to talk about her situation to most of her friends, but there are still few friends who have been really supportive and check up on her regularly.
She leaves her home to meet up with her friends, to see her doctors, Psychologists and to the gym. She is also able to drive to her parents who live in Western Sydney which is about a 30-minute drive and visits them every two to three weeks. She went to Gold Coast in July 2025 and flew there for a marathon and stayed there for three days and denied having any specific difficulties.
She has positive relationship with her parents and they have been quite supportive and she in fact feels closer to them now. She has lost few friendships because of her ongoing mental health issues.
Ms Ha report that her attention and concentration and it took her at least six to seven months to compile her CV and is now applying for job. She said that she watches TV, but is unable to focus and if she plays mobile games then she is only able to do that for up to 15 minutes and then gets distracted. She said that she is unable to read books, newspaper articles and magazines like before.
Ms Ha reported that she has started applying and sent her CV for one position, but her application was unsuccessful. She plans to return to work and get some help from the rehab consultant and is looking back at getting in the office environment.
(a) in assessing Class 2 for self-care and personal hygiene when she should have assessed Class 3;
(b) in assessing Class 2 for social and recreational activities when she should have assessed Class 3;
(c) in assessing Class 1 for travel when she should have assessed Class 2;
(d) in assessing Class 2 for social function when she should have assessed Class 3;
(e) in assessing Class 3 for concentration, persistence and pace when she should have assessed Class 4, and
(f) in assessing Class 4 for employability when she should have assessed Class 5.
(a) placed undue reliance on isolated activities (such as participation in the City to Surf) rather than the overall reduction in the appellant's capacity;
(b) failed to reconcile inconsistencies between the appellant's reported incapacity and the assigned PIRS ratings;
(c) failed to consider the opinions of the Dr Nagesh and Dr Sherman, the other IME opinions before her, and
(d) failed to provide an adequate path of reasoning.
Ms Ha is a 48-year-old single female who lives in Darlinghurst, Sydney on her own. She has no children or dependents.
Ms Ha started working with Descartes Underwriting Australia Pty Ltd in February 2022 as a business development director and worked full-time. Her last day at work was towards the end of November 2023. She has not worked since then. She denied having any secondary employment, owning any businesses, or engaging in voluntary work. Ms Ha reported that when she started working, the environment was quite casual and the manager was "immature and unprofessional." She said that her manager gradually began having arguments with other staff members and would engage in bullying behaviour, especially when they were out for drinks with clients, and he would make inappropriate comments about her, forcing her to drink despite her not wanting to, and verbally abusing her. She reported that he would say things like "I am your manager when I take you to drink, you drink."
She said that when they travelled to Perth for a business meeting, she chose to go to bed after the meeting, but he would call her late at night and message her at 6 am, even on business trips. She mentioned that on that day, they went to the airport separately, and on the flight back home, he was standing at her seat and said, "I will come and find you." Ms Ha felt quite uncomfortable but brushed it off. She said that this was a three- to four-day trip, and he had been drinking excessively, and she actually had to stop him from saying "stupid things in front of the brokers." She reflected that in another meeting in Singapore in October 2022, he was asked to leave the event because of his excessive drinking, and he also "excluded and mistreated her."
She recalls that on one occasion, the manager, under the influence of alcohol, had to be chased down the street, and the police had to be called to intervene. She added that when they returned from the business meeting, he then tried to deflect and refused to discuss his behaviour in Perth, instead starting to talk badly about other people. She said that gradually, her mental health began to be impacted by his bullying behaviour. She then made a complaint to HR, but she was inappropriately terminated by her employer on the pretext of "underperforming." She said that she started experiencing mental health symptoms from February 2023. She remembers feeling emotionally stressed, unable to focus and concentrate, and plagued by intrusive, ruminating thoughts about her manager's condescending comments.
She often felt emotional, teary, and sad, struggling to focus even on her work. She experienced mental anguish, lack of energy, and motivation. She recalls feeling anxious about being in a meeting room with her boss, sometimes breaking into tears, especially if he was present. She would try to put on a brave face, experiencing adrenaline rushes followed by mental exhaustion. There were days when she just withdrew and did not do anything at all. After she stopped working and was terminated, she began drinking more alcohol, at least "a bottle of wine or more every day." She later saw her GP, who recommended medication, but she was initially reluctant to take it. She eventually reached out to her GP again, and in January 2025, she was started on Lexapro. She recalls feeling emotionally numb and irritable when the dosage was increased, and she later switched to a different medication.
Forensic history: Ms Ha denied having any prior criminal convictions.
Family history: Ms Ha denied having any history of mental illnesses in the family.
Personal history: Ms Ha was born in Vietnam and denied any developmental delays. She immigrated to Australia with her family at the age of three. She grew up with her two sisters and her brother, and she is the third in the sibship. Her father worked in a factory, and later, they had their own sewing company and contracted with other businesses. She completed Year 12. She then did a few TAFE courses and worked in hospitality and retail for about 10 to 12 years. Afterwards, she worked in the insurance sector for about 15 years. She obtained a certificate as an insurance broker and a Certificate IV in Insurance. She has been in and out of a few relationships but has never been married and does not have any children.
Current Treatment: She is presently seeing Deborah Haines, a psychologist, who consults with her fortnightly. She is working on EMDR and processing traumatic events and bullying behaviour she experienced. She has consulted her psychiatrist, David Sturrock. She is currently taking Lexapro, which she has been on for the past six months, and has recently been prescribed Agomelatine 25 mg for insomnia.
Ms Ha reported that the medications have "helped her a little bit." She is now slightly more motivated to go to the gym and can at least attend once a week instead of not going at all. She can now get out of bed easily and engages more in doing her household chores. However, she continues to feel low and paranoid that people will talk about her and that she is not good enough. Her sleep is "broken and she struggles to sleep." She takes naps throughout the day, feels fatigued by the evening, and has to calm herself down.
She said her life has changed from earlier when she could attend five to six back-to-back meetings, but now she finds it difficult to focus for more than 15 to 20 minutes. Her appetite fluctuates, and she sometimes skips meals. She mentioned she sometimes skips meals but has been working on changing her lifestyle and doesn't binge eat as much as she used to. She has also seen a dietitian for her pre-diabetic condition. She feels anxious around people and crowds and feels the need to leave crowded places quickly. She stopped drinking completely in Jan 2025. She said she wanted to do something about her health and decided not to drink anymore. She denied using any illicit drugs. She continues to experience feelings of anxiety, restlessness, and "feeling" insecure."
Ms Ha reports that she was a victim of sexual abuse when she was younger. However, she has no memories or recollections of the event. When she was around 17 or 18 years old, her uncle inappropriately approached her and claimed that she had been okay with him when she was a child. She mentioned that she might have blocked out the memories but did not remember the incident itself. She did feel angry about what her uncle might have done but denied that it impacted her mental health.
Self-care and personal hygiene: She showers once every day or two days. She can do household chores but tends to procrastinate and does them less often. She lacks motivation to do chores promptly. She usually cooks simple meals like instant noodles and mostly relies on Uber Eats and takeaway from her parents. She has gained about 5 kg over the past two to three years.
Social and recreational activities: She previously enjoyed long-distance running, boxing, and socialising, such as checking out new bars, going to restaurants, and travelling. She still manages to meet her friend at least once a month, usually at a restaurant. She has attended her friends' birthday parties. She continues to participate in marathons and ran a 14 km city-to-surf run about two weeks ago. However, she has not been doing long-distance running as often as before. She feels embarrassed to discuss her situation with most friends, but a few supportive friends regularly check up on her.
Travel: She leaves her home to meet friends, see her doctors and psychologists, and go to the gym. She can drive about 30 minutes to her parents' place in Western Sydney and visits them every two to three weeks. In July 2025, she went to the Gold Coast for a marathon, stayed there for three days, and reports no specific difficulties.
Social functioning: She has a positive relationship with her parents, who have been very supportive, and she feels closer to them now. She has lost a few friendships due to her ongoing mental health issues.
Concentration, persistence, and pace: Ms. Ha reports that it took her at least six to seven months to compile her CV, and she is now applying for jobs. She says she watches TV but cannot focus easily, and can only play mobile games for up to 15 minutes before getting distracted. She finds it difficult to read books, newspaper articles, and magazines like before.
Employability: Ms. Ha has started applying for jobs and sent her CV for one position, but her application was unsuccessful. She plans to return to work with help from a rehab consultant and is considering working in an office environment."
"I reviewed Ms Ha via video, who appeared as a middle-aged female of Vietnamese background. She was dressed casually, was wearing a beanie and was be spectacle. She was teary-eyed at the beginning of the interview, but was able to be comforted. There was no evidence of any psychomotor agitation or retardation, and no abnormal motor movement like tics or mannerisms was noted. She gave a clear account of her symptoms and difficulties. She reported her mood to be low, and her affect ranged from being teary to reactive.
Her speech was spontaneous and normal in volume and tone. Her thoughts were logical and goal-directed. She currently reported ongoing low mood, lack of interest in activities, sleep disturbances, fluctuating appetite, low energy levels and lack of motivation. There was no evidence of any manic, psychotic or any perceptual abnormalities. She had insight into her condition and continues to engage with her treatment providers, and her judgment was intact. She denied having any thoughts of harming others, suicidal ideas, plans or intent."
Ms Ha is a 48-year-old single woman who previously worked as a business development director at Descartes Underwriting Australia. She reported being bullied, harassed, verbally abused, belittled, and undermined by her supervisor, and these incidents affected her mental health. At the time of assessment, she displayed symptoms including persistent anhedonia, loss of interest in activities, fluctuating appetite, low energy and motivation, difficulty concentrating, and feelings of worthlessness and hopelessness. Her presentation aligns with a diagnosis of Major Depressive Disorder with anxious distress. She has received treatment, including sessions with a psychologist and input from a psychiatrist. She has trialled antidepressants, which were stopped earlier due to side effects.
She is currently on Lexapro 30 mg and Valdoxan 25 mg. I believe that she has received evidence-based treatment for her mental health symptoms and has reached maximal medical improvement.
Ms Ha presentation was consistent with the history given during the clinical interview, documentation received and mental status examination. There was no feigning, malingering or exaggeration noted."
"In making that assessment I have taken account of the following matters:-
"My brief comments regarding the other medical opinions and findings submitted by the parties and, where applicable, the reasons why my opinion differs
Table 11.1: Psychiatric impairment rating scale - self care and personal hygiene
No deficit, or minor deficit attributable to the normal variation in the general population
Mild impairment: able to live independently; looks after self adequately, although may look unkempt occasionally; sometimes misses a meal or relies on take-away food.
Moderate impairment: Can't live independently without regular support. Needs prompting to shower daily and wear clean clothes. Does not prepare own meals, frequently misses meals. Family member or community nurse visits (or should visit) two to three times per week to ensure minimum level of hygiene and nutrition.
Severe impairment: Needs supervised residential care. If unsupervised, may accidentally or purposefully hurt self.
Totally impaired: Needs assistance with basic functions, such as feeding and toileting.
She showers' once every day to once every two days. She is able to do household chores, but procrastinates and does not do it as often. She does not feel motivated to do household chores on time. She cooks simple food like instant noodles and mostly relies on Uber Eats and take away from her parents. She has gained about 5 kg in the last two to three years.
Table 11.2: Psychiatric impairment rating scale - social and recreational activities
No deficit, or minor deficit attributable to the normal variation in the general population: regularly participates in social activities that are age, sex and culturally appropriate. May belong to clubs or associations and is actively involved with these.
Mild impairment: occasionally goes out to such events e.g. without needing a support person, but does not become actively involved (e.g. dancing, cheering favourite team).
Moderate impairment: rarely goes out to such events, and mostly when prompted by family or close friend. Will not go out without a support person. Not actively involved, remains quiet and withdrawn.
Severe impairment: never leaves place of residence. Tolerates the company of family member or close friend, but will go to a different room or garden when others come to visit family or flat mate.
Totally impaired: Cannot tolerate living with anybody, extremely uncomfortable when visited by close family member.
"She previously enjoyed long distance running, boxing and used to go out socialising, checking new bars, going to the restaurants and travelling. She still is able to meet up with her friend at least once a month and they usually meet up at a restaurant. She has been able to attend her friends' birthday parties. She continues to participate in marathons and ran the city to surf 14 km run about two weeks back. She however has not been doing this long distance running as frequently as before. She feels embarrassed to talk about her situation to most of her friends, but there are still few friends who have been really supportive and check up on her regularly."
Table 11.3: Psychiatric impairment rating scale - travel
No deficit, or minor deficit attributable to the normal variation in the general population: Can travel to new environments without supervision.
Mild impairment: can travel without support person, but only in a familiar area such as local shops, visiting a neighbour.
Moderate impairment: cannot travel away from own residence without support person. Problems may be due to excessive anxiety or cognitive impairment.
Severe impairment: finds it extremely uncomfortable to leave own residence even with trusted person.
Totally impaired: may require two or more persons to supervise when travelling.
"She leaves her home to meet up with her friends, to see her doctors, Psychologists and to the gym. She is also able to drive to her parents who live in Western Sydney which is about a 30-minute drive and visits them every two to three weeks. She went to Gold Coast in July 2025 and flew there for a marathon and stayed there for three days and denied having any specific difficulties."
Table 11.4: Psychiatric impairment rating scale - social functioning
No deficit, or minor deficit attributable to the normal variation in the general population: No difficulty in forming and sustaining relationships (eg a partner, close friendships lasting years).
Mild impairment: existing relationships strained. Tension and arguments with partner or close family member, loss of some friendships.
Moderate impairment: previously established relationships severely strained, evidenced by periods of separation or domestic violence. Spouse, relatives or community services looking after children.
Severe impairment: unable to form or sustain long term relationships. Pre-existing relationships ended (eg lost partner, close friends). Unable to care for dependants (eg own children, elderly parent).
Totally impaired: unable to function within society. Living away from populated areas, actively avoiding social contact.
"She has positive relationship with her parents and they have been quite supportive and she in fact feels closer to them now. She has lost few friendships because of her ongoing mental health issues."
No deficit, or minor deficit attributable to the normal variation in the general population. Able to pass a TAFE or university course within normal time frame.
Mild impairment: can undertake a basic retraining course, or a standard course at a slower pace. Can focus on intellectually demanding tasks for periods of up to 30 minutes, then feels fatigued or develops headache.
Moderate impairment: unable to read more than newspaper articles. Finds it difficult to follow complex instructions (e.g. operating manuals, building plans), make significant repairs to motor vehicle, type long documents, follow a pattern for making clothes, tapestry or knitting.
Severe impairment: can only read a few lines before losing concentration. Difficulties following simple instructions. Concentration deficits obvious even during brief conversation. Unable to live alone, or needs regular assistance from relatives or community services.
Totally impaired: needs constant supervision and assistance within institutional setting.
"Ms Ha report that her attention and concentration and it took her at least six to seven months to compile her CV and is now applying for job. She said that she watches TV, but is unable to focus and if she plays mobile games then she is only able to do that for up to 15 minutes and then gets distracted. She said that she is unable to read books, newspaper articles and magazines like before."
No deficit, or minor deficit attributable to the normal variation in the general population. Able to work full time. Duties and performance are consistent with the injured worker's education and training.
The person is able to cope with the normal demands of the job.
Mild impairment. Able to work full time but in a different environment from that of the pre-injury job. The duties require comparable skill and intellect as those of the pre-injury job. Can work in the same position, but no more than 20 hours per week (eg no longer happy to work with specific persons, or work in a specific location due to travel required).
Moderate impairment: cannot work at all in same position. Can perform less than 20 hours per week in a different position, which requires less skill or is qualitatively different (eg less stressful).
Severe impairment: cannot work more than one or two days at a time, less than 20 hours per fortnight. Pace is reduced, attendance is erratic.
"Ms Ha reported that she has started applying and sent her CV for one position, but her application was unsuccessful. She plans to return to work and get some help from the rehab consultant and is looking back at getting in the office environment."
Ha
Descartes Underwriting Australia Pty Ltd [2026] NSWPICMP 104;