Independent Clinical Reviews
Clinical Review & IPE Services
Independent insight for complex claims.
Objective. Functional. Defensible.
Clear, objective physiotherapy clinical reviews and recommendations for insurers needing rapid file reviews
— without an Independent Medical Examination (IME)
1. Clinical Review – Treatment Appropriateness (Desktop + Provider Call)
→ Purpose: Evaluate whether current or proposed physiotherapy is evidence-based, functionally justified, and scheme-compliant.
Includes:
Desktop file review
Phone discussion with treating physiotherapist (if appropriate)
Alignment with Clinical Framework for the Delivery of Health Services
Functional outcome measures and treatment reasoning
Independent treatment recommendations (e.g. continue, modify, discharge)
Use Case:
➡ Active claims where treatment is ongoing, slow to progress, or potentially excessive.
➡ Claims agents need quick, scheme-aligned guidance without legal implications.
Output:
→ 1–2-page Independent Clinical Review Report
→ NOT court-submissible
From $880 + GST
2. Liability & Compensability Review (Desktop)
→ Purpose: Determine if the current treatment and injury are causally linked to the compensable event. Often addresses diagnosis drift, chronicity, and overextension of claim scope.
Includes:
Full desktop review
Review of original incident, medical evidence, and treatment history
Assessment against liability principles (e.g. injury nexus, natural history)
Case law and scheme rule application (where relevant)
Functional and diagnostic commentary
Recommendation on liability status and whether treatment is claim-related
Use Case:
➡ When new symptoms arise late
➡ Long-duration claims with unclear diagnosis
➡ Disputes between insurer and treating provider over coverage
Output:
→ 2–4 page Independent Liability Opinion
→ Structured similar to TAC Clinical Panel reporting
→ Potentially used in internal disputes, but not court-submissible
From $1,500 + GST
3. Independent Physiotherapy Examination (IPE): In-Person or Telehealth
→ Purpose: Provide an objective, hands-on (or virtual) assessment of function, diagnosis, and recovery status.
Includes:
History taking
Physical examination (or structured telehealth functional testing)
Use of validated outcome measures
Biopsychosocial factors noted
Full written report
Fitness for work, future treatment needs, and discharge readiness
Use Case:
➡ When insurer requires a legally defensible, standalone assessment
➡ To resolve disputes with treating practitioners
➡ Pre-litigation or return-to-work milestone clarification
Output:
→ 4–6 page Independent Physiotherapy Examination Report
→ Court-submissible
→ Fulfils role similar to IME (without needing a medical specialist)
From $2,400 + GST
Refer a Case for Independent Review.
We provide fast, independent clinical opinions to help insurers, agents, and legal professionals make confident, defensible treatment decisions.
You can request a review in one of two ways:
Option 1: Book Online
Use our secure online booking portal to request:
Clinical Review – Treatment Appropriateness
Liability & Compensability Review
Independent Physiotherapy Examination
Your booking reserves the case for desktop assessment or examination.
We’ll confirm acceptance and provide next steps within 1 business day.
Option 2: Send a Referral Directly
If you prefer to use your organisation’s internal process or referral system, we’re happy to follow your workflow.
You can:
Email your referral documents to tim@fortitude.physio
Provide access to your secure portal
Or upload files after submitting the case form below
Once we’ve received your case summary, we’ll follow your preferred instructions for secure access and delivery.
Prefer to speak with us first?
Submit the referral form below or contact us directly — we’ll respond within 1 business day.
Independent Reviews Provided for Claims Managed By:
Comcare
•
Gallagher Bassett
•
EML
•
TAC
•
DVA
•
Australia Post
•
iCare NSW
•
Zurich Australia
•
Injurynet
•
MedHealth Group
•
Qantas
•
Reserve Bank of Australia
•
NAB
•
CBA
•
CSL Limited
•
BUPA Defence
•
Open Arms
•
Telstra
•
Zurich Life
•
AIA
•
MLC
•
TAL
•
Altius Group
•
WorkFocus Australia
•
MLCOA
•
Australian National University
•
National Library of Australia
•
Coles Group
•
Woolworths Limited
•
Crown Resorts (Melbourne)
•
Metro Trains Melbourne
•
Transurban
•
Australia Pacific Airports Corp
•
Downer Group
•
Lendlease
•
Visy
•
BHP
•
Rio Tinto
•
AGL Energy
•
Cleanaway
•
APA Group
•
QBE Insurance
•
MetLife Insurance
•
TAL
•
AMP Life
•
Hannover Life
•
Victorian Managed Insurance Authority (VMIA)
•
and more
•
Comcare • Gallagher Bassett • EML • TAC • DVA • Australia Post • iCare NSW • Zurich Australia • Injurynet • MedHealth Group • Qantas • Reserve Bank of Australia • NAB • CBA • CSL Limited • BUPA Defence • Open Arms • Telstra • Zurich Life • AIA • MLC • TAL • Altius Group • WorkFocus Australia • MLCOA • Australian National University • National Library of Australia • Coles Group • Woolworths Limited • Crown Resorts (Melbourne) • Metro Trains Melbourne • Transurban • Australia Pacific Airports Corp • Downer Group • Lendlease • Visy • BHP • Rio Tinto • AGL Energy • Cleanaway • APA Group • QBE Insurance • MetLife Insurance • TAL • AMP Life • Hannover Life • Victorian Managed Insurance Authority (VMIA) • and more •
We provide independent clinical opinions for claims managed by the listed insurers and organisations. This list reflects relevant schemes, not formal affiliations or partnerships.
Clarity. Integrity. Confidence.
Whether you're managing a complex case or reviewing treatment plans under pressure, we provide clear, defensible clinical opinions to support your decision-making.
No confusion. No wasted time. Just the insight you need, when you need it.