Francois Sestier, MD, PhD, FRCPc, FACC, CIME

Francois Sestier, MD, PhD, FRCPc, FACC, CIME

Francois Sestier

258 Chemin De Senneville Senneville, QC H9X 3X4

About the Expert

Life expectancy calculation with an actuarial methodology. Work life exoectation calculation

Areas of Expertise

  • Cardiology
  • Life Expectancy

Expert's Profile

Dr. François SESTIER graduated from medical school in Nancy, France, 1967, where he obtained certification in cardiology, pneumology, occupational medicine and aeronautical medicine. In Canada, since 1973, he obtained a Quebec certification in cardiology (CSPQ), and a fellowship in cardiology of the Royal College of Physicians and Surgeons (FRCPC); he also obtained a PhD in Experimental Medicine (McGill, 1977). He is staff cardiologist at CHUM, Hôtel-Dieu, Montreal, medical director ofQuebec Blue Cross since 1985 and medical director and vice-president of OptimumRe since 2002. He obtained his American Board of Insurance Medicine (1995), and his American Board of Independent Medical Examiner (2011). Dr. Sestier is a past president of CLIMOA (1996-1997), the Canadian Life and health Medical Officer Association, past-president of CSME (2011-2013), the Canadian Society of Medical Evaluators, past president (2010-2012) of AIDC, the world association of medical experts); he is Professor of Medicine at University of Montreal, and the director of the bilingual program of Insurance and Medicolegal Expertise at University of Montreal (January 1999-April 2018l).

As a medical expert, Dr. Sestier has been hired as an expert across Canada and in the United States. He has been an expert in the domain of disability insurance, life insurance, critical illness insurance and travel insurance. He is also an expert for life expectancy and work life expectancy calculation. He has been hired as an expert by RRQ, CSST, SAAQ, insurance companies, but also as an expert hired on the plaintiff side against these companies. He testified several times at CLP, TAQ, and superior courts in Quebec and Ontario. He has been involved in more than 20 years in many medical liability lawsuits, hired by both plaintiff and defense lawyers.

Personal Achievements


  • MD, Nancy, France PhD, McGill University, Montreal, , Canada FRCPc, cardiology FACC
  • Founder et 1999-2018 director of the University of Montreal curriculum in Insurance medicine and medico-legal expertise


  • Province of Quebec. 174536

Special Training

  • Certified Independent medical evaluator (CIME) American board of Insurance medicine


  • 2006-2013 President, New members committee, SEEMLQ 2010-2012 President, International Association of bodily damage (AIDC) 2011-2013 President, Canadian Society of Medical Evaluators(CSME) 2014-present Fellow of the Indian Association of medico-legal experts. 2017-2018 President of CLIMOA (Canadian Life Medical Officers Association)


  • 1. A Lockhart, F Sestier, M Sentissi, JJ Gauthier, F Schrijen: Effects of exercise and postural changes on pulmonary haemodynamics in patients with chronic lung disease. Scand. J. Resp. Dis., 1971; 77: 77-81. 2. R Lavoie, F Sestier, G Gilbert, L Chameides, R Van Praagh, P Grondin: Double outlet right ventricle with left ventricular outflow tract obstruction due to small ventricular defect. Amer. Heart J., 1971; 82: 290-299. 3. B Dodinot, JP Saulnier, JL Neimann, F Sestier, B Mentre, G Faivre: Dangers de l’entraînement sentinelle au stade aigu de l’infarctus du myocarde. Arch. mal. coeur et vaiss., 65: 1423-1432, 1972. 3. G Faivre, G Mayer, F Sestier, A Zabel: Les shunts gauche-droit des cardiopathies congénitales de l’adulte. Ann. Cardiol. Angiol, 23: 177-185, 1974. 4. GA Klassen, F Sestier, A L’Abbate, RR Mildenberger, DT Zborowska-Sluis: Effects of perhexiline maleate on coronary flow distribution in the ischaemic canine myocardium. Circulation, 54: 14-20, 1976. 5. GA Klassen, F Sestier, A L’Abbate, RR Mildenberger, DT Zborowska-Sluis: Effects of perhexiline maleate on coronary flow distribution in the ischaemic canine myocardium. Circulation, 54: 14-20, 1976. 6. GA Klassen, A L’abbate, F Sestier, R Mildenberger: The determinants of regional myocardial blood flow. Adv Exp Med Biol, 82: 6870-692, 1977 7. F Sestier, RR Mildenberger, GA Klassen Redistribution in left ventricular regional flow following acute right ventricular pressure overload, Can J Physiol Pharmacol, 56: 185-190, 1978 7 8. F Sestier, RR Mildenberger, GA Klassen: The role of autoregulation in spatial and temporal perfusion heterogeneity of the canine myocardium. Amer. J. Physiol., 235: H64-H71, 1978. 9. F Sestier, JY Pagny, M Sestier: Nouveaux cardiotoniques. Ann. Cardiol. Angiol., 31: 7-17, 1982. 10. A Ackaoui, R Nadeau, F Sestier, P Savard, R Primeau, R Lemieux, MC Descary: Myocardial infarction diagnosis with body surface potential mapping, electrocardiography, vectocardiography, and thallium 201 scintigraphy: a correlative study with left ventricular graphs. Clin. and Invest. Medicine, 8: 68-77, 1985. 11. JY Pagny, F Peronnet, L Beliveau, F Sestier, R Nadeau: Systemic and regional blood flow during graded treadmill exercise in dogs. J. Physiology, Paris, 81: 368-373, 1986. 12. RM Gagnon, M Morissette, P Laramée, G Dumont, F Sestier, G Leclerc, F Goudreau: Efficacy of delayed percutaneous transluminal coronary angioplasty after intravenous use of streptokinase in myocardial infarction. CMAJ, 139: 405-408, 1988. 13. PJ Millet, F Sestier, “Thrombo-embolic complication with nonionic contrast media”, Catheterization and cardiovascular diagnosis, 1989; 17(3): 192. 14. J Morais, JP Soucy, F Sestier, F Lamoureux, J Lamoureux, S Danais: Dipyridamole testing compared to exercise stress for thallium 201 imaging in patients with left branch block. Canadian Journal of Cardiology, 6: 5-8, 1990. 15. R-M Gagnon, G Dumont, F Sestier, M Morissette, D Doyle, G-A Blaise, R Delarochellière, “The role of cardiac angioplasty in patients with associated non-cardiac medical and surgical conditions”, Can. J. Cardiol. 6(7):287-292, 1990. 16. L Rouleau, LA Moyé, J de Champlain, M Klein, D Bichet, M Packer, G Dagenais, B Sussex, JM Arnold, F Sestier, JO Parker, MMP McEwan, V Bernstein, TE Cuddy, F Delage, C Nadeau, GA Lamas, SS Gottlieb, J McCans, MA Pfeffer, “Activation of Neurohormonal systems following acute myocardial infarction”, Amer. J. Cardiol., 1991; 68(Suppl. D): 80D-86D. 17. JL Rouleau, LA Moyé, MA Pfeffer, E Braunwald, JM Arnold, U Bernstein, TE Cuddy, GR Dagenais, EM Geltman, S Goldman, D Gordon, P Hamm, M Klein, G Lamas, J McCans, P McEwan, FJ Menapace, JO Parker, F Sestier, B Sussex for the SAVE investigators: Comparison of Post-Myocardial Infarction Management Patterns in Canada and the United States, New England Journal of Med., 1993; 328: 779-784. 18. JL Rouleau, LA Moyé, J de Champlain, M Klein, D Bichet, M Packer, G Dagenais, B Sussex, JM Arnold, F Sestier, JO Parker, MP McEwan, V Bernstein, TE Cuddy, F Delage, C Nadeau, GA Lamas, SS Gottlieb, J McCans, MA Pfeffer: Activation of Neurohormonal Systems in Post-Infarction Left Ventricular Dysfunction, JACC, Aug. 1993; 22: 390-398. 19. M St. John Sutton, MA Pfeffer, T Plappert, JL Rouleau, LA Moyé, GR Dagenais, GA Lamas, M Klein, B Sussex, S Goldman, FJ Menapace, JO Parker, S Lewis, F Sestier, D Gordon, P McEwan, V Bernstein, E Braunwald for the SAVE Investigators, Brigham and Women’s Hospital, Harvard Medical School, Boston: Quantitative Two-dimensional Echocardiographic Measurements Are Major Predictors of Adverse Cardiovascular Events After Acute Myocardial Infarction. The Protective Effects of Captopril, Circulation, 1994; 89:68-75. 20. JL Rouleau, M Packer, L Moyé, J de Champlain, D Bichet, M Klein, JR Rouleau, B Sussex, JM Arnold, F Sestier, JO Parker, P McEwan, V Bernstein, TE Cuddy, G Lamas, SS Gottlieb, J McCans, C Nadeau, F Delage, CCC Wun, MA Pfeffer: Prognostic Value of 8 Neurohumoral Activation in Patients With an Acute Myocardial Infarction: Effect of Captopril, JACC, Sept. 1994; 24:583-91. 21. G Honos, D Gossard, P Auger, A Sniderman, M Smilovitch, RM Gagnon, F Sestier, D Savard, L Bélanger, J Lenis, C Tierney for The Canadian Study Group on Perindopril: Once Daily Perindopril Versus Slow Release Diltiazem in the Treatment of Mild to Moderate Essential Hypertension, Can J Cardiol, Nov. 1994; (Suppl. D): 10:8D-12D. 22. C Hall, JL Rouleau, L Moyé, J de Champlain, D Bichet, M Klein, B Sussex, M Packer, J Rouleau, MO Arnold, GA Lamas, F Sestier, SS Gottlieb, CCC Wun, MA Pfeffer: NTerminal Proatrial Natriuretic Factor. An independent predictor of long-term prognosis after myocardial infarction, Circulation, 1994; 89:1934-1942. 23. MA Pfeffer, FM Sacks, LA Moyé, L Brown, JL Rouleau, LH Hautley, J Rouleau, R Grimm, F Sestier, W Wickemeyer, TG Cole, E Braunwald, for the Care Investigators : Cholesterol And Recurrent Events : a secondary prevention trial for normolipidemia patients. Amer J Cardiol 1995;76(suppl C):98C-106C. 24. FM Sacks, JL Rouleau, LA Moyé, MA Pfeffer, JW Warnica, JMO Arnold, DT Avash, LE Brown, DT Nash, LE Brown, F Sestier, J Rutherford, BR Davis, CM Hawkins, E Braunwald, for the Care Investigators : Baseline characteristics on the Cholesterol And Recurrent Events (CARE) trial of secondary prevention in patients with average serum cholesterol levels. AM J Cardiol 1995;75:621-623. 25. The Digitalis Investigation Group: The effect of Digoxin on Mortality and Morbidity in Patients with Heart Failure: N Engl J Med, 1997; 336:525-533. 26. P Tanser, M Baird, P Bogaty, V Bernstein, J Cox, B Cujec, K Finnie, A Langer, J McCans, R McKelvie, A Miller, J O Parker, B Rose, F Sestier, W Warnica: 1997 CCS Consensual Conference on evaluation and treatment of Ischaemic heart disease: Canadian Journal of Cardiology, 1998; 14(Suppl C): 1C-24C. 27. Writing Committee; R. S. McKelvie, MD, PhD; S. Yusuf, MBBS, DPhil; D. Pericak, MMath; A. Avezum, MD; R. J. Burns, MD; J. Probstfield, MD; R. T. Tsuyuki, PharmD, MSc; M. White, MD; J. Rouleau, MD; R. Latini, MD; A. Maggioni, MD; J. Young, MD; J. Pogue, MA, MSc: Comparison of Candesartan, Enalapril, and Their Combination in Congestive Heart Failure Randomized Evaluation of Strategies for Left Ventricular Dysfunction (RESOLVD) Pilot Study: The RESOLVD Pilot Study Investigators, Circulation. 1999;100:1056-1064 28. Milton Packer, MD; Philip A. Poole-Wilson, MD; Paul W. Armstrong, MD; John G. F. Cleland, MD; John D. Horowitz, MD; Barry M. Massie, MD; Lars Rydén, MD; Kristian Thygesen, MD; Barry F. Uretsky, MD; on behalf of the ATLAS Study Group Effects of Low and High Doses of the Angiotensin-Converting Enzyme Inhibitor, Lisinopril, on Morbidity and Mortality in Chronic Heart Failure, 100: 2312-2318, 1999 29. O Timar, F Sestier, E Levy: Metabolic Syndrome X: A review. Can. J. Cardiol 2000; 10:779-789. 30. A Naslafkih, F Sestier: Expected Versus Observed Survival in three Large Population Studies with HMG-CoA Reductase Inhibitors. Journal of Insurance Medicine 2000; 32:155-162 31. J Rouleau, MA Pfeffer, DJ Steward, D Isaac, F Sestier, EK Kerut, CB Porter, G Proulx, C Qian, AJ Block: Comparison of vasopeptidase inhibitor, omapatrilat, and lisinopril on exercise tolerance and morbidity in patients with heart failure: IMPRESS randomised trial. Lancet 2000; 356:615-620. 9 32. The RESOLVD Investigators: Effects of Metoprolol CR in Patients with Ischaemic and Dilated Cardiomyopathy, The Randomized Evaluation of Strategies for Left Ventricular Dysfunction Pilot Study, Circulation, 2000; 101: 378-384. 33. The Heart Outcomes Preventing Evaluation Study Investigators: Effects of an angiotensinConverting-Enzyme Inhibitor, Ramipril, on Cardiovascular Events in High-Risk Patients: N. Engl J Med, 2000; 342:145-153. 34. A. Naslafkih, F. Sestier: A quicker method for calculation mortality ratios based on survival rates in clinical trials and other follow-up studies, Journal of Insurance Medicine, 2001: 33: 339-348. 35. Abdelouahed Naslafkih, MD, MSc; Francois Sestier, MD, PhD, FACC : Mortality Analysis in Patients With Atrial Fibrillation and Implantable Permanent Pacemaker After Ablation of the Atrioventricular Node, J Insur Med, 34:92-93-2002 36. Tej Sheth, MD, Tom Parker, , Alan Block, PhD, Duncan J Stewart, MD, Christian Hall, MD, Chunlin Qian, PhD, Mark A Pfeffer, MD, IMPRESS Investigators: Comparison of the effects of omapatrilat and lisinopril on circulating neurohormones and cytokines in patients with chronic heart failure, Amer J Cardiol.,90:496-500, 2002 37. Abdelouahed Naslafkih, MD, MSc; François Sestier, MD, PhD, FACC : Diabetes Mellitus Related Morbidity, Risk of Hospitalization and Disability, J Insur Med,35:102–113, 2003 38. Guillermo Torre-Amione, MD, PhD, François Sestier, MD, Branislav Radovancevic, MD, James Young, MD : Effects of a novel immune modulation therapy in patients with advanced chronic heart failure : Results of a randomized, controlled, phase II trial; J Amer Coll Cardiol, 44: 1181-1186, 2004 39. Warraich RS, Young JB, Sestier F:Clinical and prognostic relevance of lg-G3 reactivity in heart failure:a substudv of vasozen’s immune modulation therapy in patients with chronic heart failure, J Amer Coll Cardiol,43, 2004 40. Ross D, Essebag V, Sestier F et al: Assessment of the cardiac patient for fitness to fly: flying subgroup executive summary; Canadian Cardiovascular Society Consensus Conference. Can J Cardiol, 20: 1321-1323, 2004 41. Abdelouahed Naslafkih, MD, MSc; Nandini Dendukuri, PhD; James M. Brophy, MD : PhD, FACC; François Sestier, MD, PhD: Geographical Variations in Post Myocardial Infarction: Mortality and Their Impact on Risk Selection, Amer J Insur Med, 36: 282-291, 2004 42. F Sestier:Une formation académique en médecine d’assurance et d’expertise, Pédagogie médicale, 5: 11-12, 2004 43. Guillermo Torre-Amione, MD, PhD, François Sestier, MD, Branislav Radovancevic, MD, James Young, MD : Broad Modulation of Tissue Responses (Immune Activation) by Celacade May Favorably Influence Pathologic Processes Associated with Heart Failure Progression. Amer J Cardiol, 95:30-37,2005 44. Naslafkih A, Fix JM, Sestier F, Khoury A: Aortic valve replacement and long-term prognosis. Amer J Insur med, 38: 126-135, 2006 45. Guillermo Torre-Amione, MD, Robert C Bourge, MD, Wilson S Colucci, MD, Barry Greenberg, MD, Craig Pratt, MD, Jean-Lucien Rouleau, MD, Francois Sestier, MD, Lemuel A Moyé, MD PhD, John A Geddes, Agnes J Nemet, MD, James B Young, MD, and for the ACCLAIM InvestigatorsA study to assess the effects of a broadspectrum immune modulatory 10 therapy on mortality and morbidity in patients with MD, chronic heart failure: The ACCLAIM trial rationale and design, Can J Cardiol, 23:369-378, 2007 46. Naslafkih A, Khoury A ,Sestier F: Mitral Valve Replacement and Long-term Prognosis, J Assoc Life Insur Med of Japan, 105:1-10, 2007 47. Guillermo Torre-Amione, MD, Stefan D Anker, MD, Robert C Bourge, MD, Wilson S Colucci, MD, Barry H Greenberg, MD, Per Hildebrandt, MD, Andre Keren, MD, Michael Motro, MD, Lemuel A Moyé, MD, Jan Erik Otterstad, MD, Craig M Pratt, MD, Piotr Ponikowski, MD, Jean Lucien Rouleau, MD, Francois Sestier, MD, Bernhard R Winkelmann, MD, James B Young, MD, for the Advanced Chronic Heart Failure CLinical Assessment of Immune Modulation Therapy Investigators, Lancet. 371: 19-25, 2008 48. Sestier F, Lacerte M. French impairment guidelines: why so many guidelines ? Revue de Médecine Légale, 2013,4: 145-146 D)

Military service

  • France, 1968-1969

Listed in the Following States

Francois Sestier, MD, PhD, FRCPc, FACC, CIME is listed with ExpertPages in the following jurisdictions: All US Regions and States, Canada (all Provinces).