A Functional Capacity Evaluation (FCE) is a structured assessment conducted by an occupational therapist or physiotherapist that measures your physical and sometimes cognitive ability to perform work-related tasks. In TPD claims, they play an important role in establishing — or challenging — a claimant's capacity to work.
What an FCE assesses
An FCE typically measures:
- Lifting, carrying and pushing/pulling capacity
- Sitting, standing and walking tolerance
- Reaching, bending and postural demands
- Cognitive workload tolerance in some specialist FCEs
The results are reported against workplace functional demands — helping establish whether you can perform specific types of work.
When insurers request an FCE
Insurers commonly request an FCE for physical injury and chronic pain claims to objectively assess your functional limitations. You are generally required to attend if requested — refusing can jeopardise your claim.
Using an FCE proactively
You don't have to wait for the insurer to request one. An FCE conducted by your own occupational therapist, submitted with your claim, can be powerful supporting evidence — particularly for musculoskeletal, chronic pain or neurological conditions.
Challenging an adverse FCE
FCE results are not infallible. If an insurer-requested FCE produces a result inconsistent with your medical records and specialist opinions, your treating team can provide a response — particularly if the FCE was conducted on one of your better days and doesn't reflect your typical capacity. Start with our free eligibility check to plan your evidence strategy.