Reporting a claim within the required timeframe can make a significant difference to the cost of a claim, and may also reduce your premium.
Employers have a number of workers compensation responsibilities, including having Workers Compensation Insurance that is current and prominently displaying at each workplace details of your insurance coverage.
As an employer, it is your responsibility to continue to pay an injured worker on the usual pay days following an injury.
You must send your GIO claims advisor a fortnightly record of the time the worker has lost due to injury or illness.
Generally, a ‘worker’ is an individual who works under a contract of service with an employer, whether the contract is expressed or implied, oral or written, or an individual who works under a contract or at piecework rates for labour or substantially labour only.
Suitable duties are short-term work duties agreed between the employer, the injured worker and treating doctor, to assist the injured worker’s rehabilitation.
A Return To Work Plan is a written action plan that explains how you will help your injured worker stay at work while they recover.
A common law claim is a claim for damages in which it is necessary for the worker to prove 'fault' in the form of negligence or breach of statutory duty on the part of the employer.
A “recurrence” is when the symptoms of a previous injury recur spontaneously, whilst a “aggravation” is when symptoms of a pre-existing injury are increased by a new and definable event.
A Primary Treating Medical Practitioner (PTMP) is the medical practitioner chosen by the worker to participate in the injury management process.
A ‘Register of Injuries’ is used to record the details of each injury that occurs in the workplace, regardless of whether or not a claim is made.
A Certificate of Currency provides confirmation of a current Workers Compensation policy.
We’ve put together a comprehensive, step-by-step guide to help you in dealing with a workplace injury.
The maximum duration of weekly compensation payments is generally linked to the level of a worker’s “Whole Person Impairment” (WPI), which is determined by a medical assessor.
Generally the worker’s “Whole Person Impairment” (WPI) must be at least 5% before an entitlement exists, although this minimum does not apply to the loss of fingers and toes.
Return to Work Plans will be utilised if a worker suffers a significant injury where a partial or total incapacity exceeds 5 days.
Yes, they do. This includes having to provide their insurer with a list of suitable alternative duties, and appointing a Return To Work coordinator.
Yes, it’s possible, but the employer or worker must file a reference with the Tribunal for alterations or have approved medical reasons to stop benefits.
If you receive a notice of injury, you have 14 days to provide your worker with a written notice informing them of their right to make a claim under the Act.
Generally, the cost of reasonable and necessary medical expenses incurred by the worker are covered for up to one year after their entitlement to weekly compensation payments ceases.
Questions, queries or disputes regarding weekly compensation and/or other benefits may in the first instance be directed your GIO Claims Advisor.
New South Wales
Applicable to all employers, this claim excess is the equivalent of one week of the injured worker’s weekly entitlement to compensation benefits.
In NSW, it is compulsory to have workers compensation if you engage workers (or contractors deemed to be workers) and pay more than $7,500 a year in wages, you engage apprentices or trainees, or you’re a member of a Group for workers compensation purposes.
GIO is an agent appointed by icare to deliver workers compensation claims management services to employers and workers in NSW.
In NSW, a worker for workers compensation purposes is 'a person who has entered into or works under a contract of service or a training contract with an employer…'.
If you are a small employer, your premium will not be impacted by the costs of your workers compensation claims. If you are a medium or large employer, however, your premium will be impacted.
We’ve put together a step by step guide to help you know what to do with an injury occurs – click the link below to find out more.
If your claim meets the criteria and is accepted, you’re obliged to pay compensation to the injured worker at the current weekly wage (award) rate.
Once notified of a claim, GIO has seven days to commence provisional liability payments. In some cases, however, GIO may have a “reasonable excuse” not to commence provisional liability payments within this timeframe.
An Injury Management Plan (IMP) outlines the steps required to assist the injured worker to get back to work, and establishes the agreed Return To Work goal.
A worker may be entitled to compensation for an injury or disease that occurs/arises:
- during the course of employment; or,
- by an accident arising out of employment.
‘Remuneration’ means the aggregate amount of wages, salary, or other remuneration to be paid to your Workers.
It depends on whether the contractor or sub-contractor is defined as a ‘worker’.