A psychological assessment evaluates how the accident has affected your mental and emotional functioning – such as anxiety, PTSD, depression, or chronic pain-related distress – and provides an objective, evidence-based report for your insurer, lawyer, or tribunal.

Assessments are typically requested by an insurance company, a lawyer, or through a Workplace Safety and Insurance Board (WSIB) claim. In most cases, the party requesting the assessment (the insurer, the lawyer, or WSIB) is also responsible for paying for it directly – you shouldn’t be billed out of pocket. This is different from private therapy, where you or your insurance plan typically cover the cost yourself.

The appointment usually involves a clinical interview about your history and current symptoms, along with standardized psychological testing. Sessions can range from a couple of hours to a full day depending on the referral question and number of tests required.

The findings are summarized in a report sent to the referral source (insurer, lawyer, or WSIB) and may be used in your claim or legal proceeding. While the assessment itself is conducted confidentially, the report is not private in the way regular therapy notes are – it’s important to understand this before attending.

Turnaround time varies, but most independent assessments are completed and submitted within a few weeks of the appointment date. Delays can occur if additional records or collateral information are needed.