1 Workers Compensation This information is for members of the NSW Teachers Federation who are employed in schools, colleges, AMES centres and related workplaces. The information provided is based on the Workers Compensation Act 1987 and the Workplace Injury Management and Workers Compensation Act 1998, NSW, as amended on 1 st January, It is most important to be aware that this pamphlet is intended as a guide only to the rights and obligations of teachers injured from 1 st January, If you are unsure about your rights or need further details about aspects of the scheme, members should not hesitate to check with the Federation (ph ) Members injured prior to 1 st January, 2002 should seek advice from the Federation regarding their entitlement to workers compensation benefits. What is Workers Compensation? The workers compensation scheme provides workers injured in the course of their employment with weekly payments to cover loss of earning capacity, payment of medical expenses and rehabilitation expenses, and assistance with return to work. All employers must have a workers compensation policy to cover the cost of these. Workers compensation will be paid to a worker whether the injury is the fault of the employee, other employees or the employer. Who is entitled to workers compensation? All employees - permanent, temporary and casual - are entitled to workers compensation. As a general rule, you can claim for workers compensation if you: Are injured at work Are injured on the way to or from work (provided the injury is not attributable to your serious and wilful misconduct). You may even have an entitlement if you have broken your journey. Are injured at other place you are required to attend for work-related reasons Are injured at any time out of school hours while on duty (e.g. excursions) Are exposed to and contract an illness from a student or staff member Contract an illness that was substantially caused or aggravated by conditions at work. Examples in this category include, industrial deafness, heart attack and stress-related illnesses such as anxiety,
2 depression, nervous breakdown and physical manifestations of these, such as ulcers and allergies. Members who believe they may be entitled to workers compensation should lodge an application. They should not be dissuaded by colleagues who suggest that the claim will be unsuccessful. A workers compensation claim will not harm the claimant's career in any way. It is worth noting the following: As long as deliberate fraud is not involved, there is no penalty of any type for lodging a claim (successful or otherwise) for workers compensation. All employers must insure their employees under the Workers Compensation Act. It is in the interests of the employer as well as the employee to have compensation provided when appropriate. An injury which may appear relatively minor at the time may give rise at a later date to further, more serious complications. If the original claim is successful, illnesses or disabilities arising from it will entitle the claimant to further compensation. For the purposes of the workers compensation legislation, the Department of Education and Training in NSW is a self-insurer. However, all claims are managed for the Department by the GIO. How long do I have to lodge a claim? Members are advised to make a report of an injury as soon as possible after it has occurred and, if the insurer requires it, submit a claim promptly. This will assist in achieving prompt payment of benefits and other support. Nevertheless, the legislation provides that a first claim can be lodged within a period of three years after the injury occurred. However, if the employee was not aware of the injury until some later date, then the three year period for the lodgement of the claim commences from the date of that awareness. If the claim is for compensation death, or serious and permanent impairment, the claim may be made at any time. Additionally, WorkCover has the power to extend the three year period, if it sees fit.
3 What can you claim for? Physical injuries You can claim for any physical injuries that are substantially caused by your work. Generally, this also includes injuries which occur on the way to or from work. You are also covered while you are on excursions and other duties which may take you away from your workplace. Infectious diseases If it is probable that you contracted an infectious disease at work, it is likely that you can claim compensation. Such diseases include measles, chicken pox, glandular fever and head lice. Your claim should be supported by a statement which sets out the names of pupil and staff suffering from the disease with whom you have been in contact, dates of their absence from the school or other workplace, the and the nature and extent of your contact. It is not necessary for the infected student or students to be in your class. Psychological and Psychiatric injuries Claims for psychological and psychiatric injuries are as valid as those for physical injuries. Any members suffering from a psychological condition which a doctor believes to be work related should lodge a claim for workers compensation. Such conditions may include stress, anxiety, depression and the physiological effects of these. It is important to note that psychological medical conditions need not have been caused by the work situation; they need only have been aggravated by work conditions and be supported by a doctor stating that work conditions are a substantial contributing factor to your incapacity. It should be noted, however, that legislative changes in recent years have removed the right to workers compensation if the psychological injury, such as anxiety or depression, arises from "reasonable action" taken by the employer, or as a sequel to physical injury. Reasonable action includes those which relate to transfer, promotion, demotion, performance appraisal, discipline, retrenchment, dismissal or provision of employment benefits to workers. Nevertheless, it is possible to successfully pursue claims in relation to these matters if the employer's actions are shown to have been unreasonable. Members should not be dissuaded from making a claim for workers compensation for psychological injury by colleagues and/or supervisors. Because of the special requirements relating to these claims, members who believe they may have a claim are strongly advised to seek advice from the Federation. This includes those who feel they may be affected by the "reasonable action" provision.
4 What medical and other expenses can I claim? You can claim such expenses as: Medical, hospital, dental, chemist and ambulance expenses Treatment by a physiotherapist, chiropractor, osteopath, masseur or speech therapist. This treatment should be endorsed by a doctor as "medically necessary" treatment for your injury. Clothing, glasses, crutches, dentures, artificial limbs etc., provided they were damaged in the accident which gave rise to the claim Modification of your home or vehicle if requested by a doctor Travel expenses for attending appointments for medical and other treatment Domestic assistance, in some circumstances All expenses claimed must relate directly to the injury. Remember to keep copies of all receipts and certificates submitted in support of your claim. If you use your own vehicle to see a doctor or obtain treatment, keep a record of the mileage travelled and submit this. How do I lodge a claim? Report the injury as soon as possible to your principal/college manager/senior supervisor. If you have an illness which you believe is work-related, you should report it as soon as you become aware of this. Your report can be written or verbal. Ensure that the injury is recorded in the Register of Injuries. This can be done by the injured worker or the employer or supervisor can be requested to make the entry. Obtain, or arrange to have obtained, statements from eye-witnesses to any event which gave rise to the injury. See a doctor promptly and obtain a WorkCover medical certificate (all doctors have these). Your certificate should state the nature of the illness, period of absence from work and, if possible, a statement to the effect that the injury/medical condition is work related. When completing the WorkCover certificate, the doctor must state that the condition is substantially or mainly caused by work. It also provides essential information on whether a person can return to their normal job or require special duties until they have recovered. In the case of
5 psychological injury, terms such as "stress" or "stress condition" are unacceptable. The certificate must give the medical diagnosis, stating the emotional, psychological and physical manifestations of your psychological injury, (e.g. "anxiety, depression"). For all types of claims, retrospective certificates will usually not be accepted. Complete a claim form, if requested by the insurer. This must be provided by your principal, etc. Attach your WorkCover Medical Certificate to your claim. A copy of this is to be found at the end of this pamphlet. As soon as possible after the injury, submit your completed claim form. If you are likely to be away for a lengthy period, you should submit your claim within a reasonable period and not wait until you return to work. If you are unable to return to your work for more than seven days, you have the right to nominate a treating doctor who will actively manage your injury in consultation with DET and the insurance company. Make a note of when you have submitted your claim and, if possible, obtain a receipt for your claim when you submit it. Photocopy and keep all documents relating to your claim. You should also request copies of any statements which arise from investigations into your injury. After you have lodged your claim, your employer is obliged to notify their insurance company within two days and forward any associated documents within seven days. Should I fill out a normal sick leave form? Yes! Although you have submitted a workers compensation claim, you still need to complete sick leave forms in the usual way. There is a place on the leave form to indicate that you have lodged an application for workers compensation. If your claim is accepted, even provisionally, sick leave taken as a result of the injury will be re-credited to you. When can I expect to be paid benefits? Under the workers compensation legislation, the insurer must commence payments within 7 days of receiving notification of the injury unless the insurer claims that it has a "Reasonable Excuse" not to do so. This includes payments for all reasonable medical expenses. It should be noted, however, that even though payments must commence within seven days, this can be a provisional acceptance and the insurer has 21 days to decide whether it will accept liability for the claim or to dispute the claim.
6 If there are any delays in the payment of benefits and/or medical expenses, the Federation should be contacted immediately. What is a "Reasonable Excuse"? From January 1, 2002, can only refuse to commence payment within seven days if it has a Reasonable Excuse. The only excuses which are regarded as this are the following: insufficient medical information worker unlikely to be a worker (i.e. was not employed at the time of the injury) insurer unable to contact worker worker refuses access to personal and health information related to the injury injury is not work-related injury notified after two months. No other excuses can used by the insurer to delay or decline payment of benefits. If the insurers decide that they will offer a "reasonable excuse" it must be based on evidence available to them. Although you don't need to provide a WorkCover medical certificate under the provisional liability arrangements unless the insurer requests it, it is still advisable to provide one. However, a completed WorkCover medical certificate is necessary if you wish to proceed further with your claim. A copy of the WorkCover Medical Certificate is to be found at the end of this leaflet.. If my claim is unsuccessful, what should I do? If the insurer denies liability or further liability for your claim, they must write to you and advise you of the reasons for this. You can seek clarification from the insurer if you don't understand or agree with the decision. The written notification should include a phone number for this. If you believe that the denial of liability is unreasonable, contact the Federation as soon as possible. You may need assistance to pursue your claim. The Claims Assistance Service of WorkCover can also help to resolve differences before they become formal disputes. Where a dispute occurs between the insurer and a claimant, the Workers Compensation Commission will hold a conciliation hearing in an attempt to resolve the matter. Federation advice should be sought in relation to this.
7 If my claim is rejected, can I claim medical expenses from Medicare and/or another health fund? Yes, but you must indicate when bills relate to a disputed or unresolved workers compensation claim. Normally, you will be required to provide an undertaking to repay Medicare and/or the health fund if your claim is successful. If I am unable to work, what payments am I entitled to? It is not possible to cover all of the details of payments in this leaflet. Members should check their entitlement with the Federation. As a general guide, the following applies: Total incapacity For the first 26 weeks, you will receive either your salary or the maximum weekly payment, whichever is the lesser. The current maximum weekly payment is set at $1, (as at May, 2002). If you are a temporary or casual teacher you will be paid compensation based on the average weekly hours worked to the date of the claim. However, if your normal weekly salary exceeds this, your employer will use any available sick leave to supplement the insurer's payment so that you are paid the equivalent of full salary as long as possible. After the first 26 weeks, you will receive $ per week (as at May, 2002) plus $78.10 for a dependent spouse plus an additional amount for each dependent child ($55.80 for the first dependent child as at May, 2002). All payments are adjusted each six months in line with C.P.I. movements. Partial incapacity Once your injury has been reported and your doctor says you are fit for suitable duties, the insurer must provide you with an Injury Management Plan. Such a program, containing a staged return to work, should be developed in consultation with you and must commence even though you may not yet have heard if your claim has been accepted. These rehabilitation programs, in the Federation's view, should involve a recognised rehabilitation provider, such as the Commonwealth Rehabilitation Service. If your doctor certifies you as partially or temporarily incapacitated, you should contact the Federation to check what your entitlements are under workers compensation.
8 Lump Sums Under the new legislation provisions relating to loss of function and pain and suffering have changed. Federation advises that members who believe they may have a claim in this area to seek advice from the Welfare Section about lodging such claims. You are entitled to lump sum if you have suffered permanent impairment of function or loss of use of part of the body. For injuries after 1st January, 2002 the level of impairment is assessed by a medical specialist trained in using the WorkCover Guides, as a percentage of Whole Person Impairment (WPI). A lump sum may also be available for permanent psychological injury. This, however, must be a loss assessed as 15 per cent or more permanent impairment of the whole body. Members who feel they may be able to claim a lump sum for this type of injury should consult the Federation. Teachers should make a claim for a lump sum as soon as their condition becomes stable and they have achieved maximum medical improvement. For example, at some point following surgery or other treatment for an injury, it should become sufficiently stable for your doctor to assess what level of function you will be left with on a permanent basis. There is no advantage in delaying a claim since the amount claimable is set at the date of injury and not at the date the claim is lodged. Any delay may simply result in the value of the lump sum being reduced by inflation. Settlement of a lump sum claim does not preclude a further claim if the condition deteriorates further over time. For example, an employee has accepted a lump sum settlement based on 20% loss of function in their arm, but finds there has been a further deterioration to 50% loss of function over the following five years. Under the Act, the employee can lodge another claim for the additional 30%. Because of this, an employee should always advise a doctor of a previous injury, even if it occurred many years before and even if it appeared that full recovery had occurred at the time. Settlement of a claim for a lump sum for permanent impairment of function or loss of use does not mean that you have settled your entire claim. You will still have rights to weekly payments of compensation, payment of medical expenses and rehabilitation, as needed. Pain and suffering You are entitled to an additional lump sum for pain and suffering if you have 10% or more whole person impairment. The determination of the amount to be paid is independent of the percentage of WPI. Members should consult the Federation if they believe they may be entitled to a settlement for pain and suffering.
9 A settlement for pain and suffering for a particular injury is final and cannot give rise to a further claim at a later date. Damages It is possible, under some circumstances (usually involving negligence) to pursue common law damages for a work-related injury. To do so, however, precludes a claim being made for lump sum under the Workers Compensation Act. It should also be noted that damages will be awarded for economic loss only, not pain and suffering. This means that any award will be based solely upon an assessment of the employee's lost earning capacity. To make a claim under common law, a worker must have achieved 15% or more WPI. Members who believe they may have a common law claim for damages should seek advice from the Federation. Superannuation Employees entitlements under the Workers Compensation Act are in no way affected by their entitlements under various superannuation schemes. For example, a teacher who is medically retired as a result of a work-related injury can receive both a weekly compensation payment and a fortnightly superannuation pension (or superannuation lump sum where a pension is not payable). If you are medically retired, you should continue to send medical certificates to the insurer. If payment cease, you should contact the Federation. Journey claims Workers compensation benefits are available for injuries suffered in most journeys between your home and your place of employment, or any other place you are required to attend for work-related reasons. This means that you are covered for most journeys once you leave the boundary of your property. Since it may be possible to lodge a motor accident claim as well as a workers compensation claim if the injury arises from a motor vehicle accident, advice should be sought from the Federation on the most appropriate course of action Special conditions apply if you have broken your journey between home and work. They also apply if the accident occurred before December 13, In either case, or if you are just uncertain as to your rights, contact the Federation. Holiday pay In most cases, permanent and temporary employees in receipt of workers compensation payments will also be entitled to holiday pay. If, for example, you are in receipt of full pay (which could be a combination of workers
10 compensation payments topped up from your sick leave entitlement) immediately prior to the vacation you will receive your normal pay for the vacation. Under some circumstances teachers may receive a workers compensation benefit in addition to their normal holiday pay. Casual and other employees unsure as to their entitlement should contact the Federation. Return to work plan A return to work plan is a written statement of the steps which will be taken to assist the injured employee to return to work. Such a plan may include a phased return to work, changed duties and/or a reduced workload. If you will be off work for more than seven days, you must advise the insurance company of the doctor who will be responsible for overseeing your return to work plan. Normally this would be your G.P. or other treating doctor. An injured employee has the right to nominate his or her own doctor and this cannot be overridden by the employer or insurance company. The nominated treating doctor is responsible for developing, managing and signing off on the return to work plan, as well as ensuring that the return to work of the injured employee is done safely and without risk of further injury. In the first instance, the return to work plan should be developed between you and your doctor, and may involve other health experts. Your doctor will liase with the insurance company and the employer and make sure that the return to work plan is acceptable. In some cases, the employer may also send a return to work program to your doctor. It is important, however, that any return to work program is negotiated, not imposed. If a dispute arises concerning an appropriate return to work program, you should contact the Federation since it may be necessary to take matters in dispute to the Workers Compensation Commission. What if my claim, or some aspect of it, is disputed? The Workers Compensation Commission has been established to deal with disputed workers compensation claims and some related matters. Disputes involving weekly benefits, provision of suitable duties, medical and related expenses, payment for damages to person property, compensation for death and management of a worker's injury can all be dealt with by the Commission, as can delays in paying any of the benefits listed. Members who believe that it may be appropriate to refer a matter to the Commission should consult the Federation.
11 Further help and advice NSW Teachers Federation Your union, the NSW Teachers Federation, regularly provides assistance to members who need advice about workers compensation matters. When appropriate, it also provides legal assistance. If you have any questions about workers compensation, including your entitlement to it, phone the Federation. Claims Assistance Service WorkCover's Assistance Service provides advice and assistance to injured workers and employers about claims for workers compensation. Support is provided in relation to reporting of injuries, prompt payment of benefits and return-to-work matters. Useful contacts NSW Teachers Federation WorkCover Claims Assistance Service (toll free) WorkCover Frequently Asked Questions site Workers Compensation Commission
12 Workers Compensation Act 1987* - (updated 2 nd January, 2002) Workplace Injury Management and Workers Compensation Act 1998* - (updated 2 nd January, 2002) * These two Acts cover different parts of the workers compensation system and therefore need to be read together to obtain the full picture.
Contents Introduction......................................................... 4 Union Representative s role........................................ 4 Workers Compensation a new approach................................
MAURICE BLACKBURN LAWYERS WORKERS COMPENSATION ACT 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family shouldn t have to suffer.
Janis Veldwyk At the end of the workshop participants should: Be more familiar with the Workplace Injury Rehabilitation and Compensation Act 2013 Know Employer and employee obligations with relation to
RRP $5.50 Contents What is Workers Compensation? 4 Who can claim? 4 When are you entitled to benefits? 4 Journey claims 5 Recess claims 5 Union representative claims 5 Psychological injury claims 5 Making
Workers compensation benefits guide October 2015 Disclaimer This publication may contain information about the regulation of workers compensation in NSW. It may include some of your obligations under some
VICTORIAN TRANSPORT ACCIDENT CLAIMS - A GUIDE TO YOUR ENTITLEMENTS This guide includes the following: What is a transport accident? Who is the TAC? How do I make a claim? When will I know if my claim has
WORKPLACE COMPENSATION CLAIM SUCCESS THE 6 MOST COMMON MISTAKES PEOPLE MAKE What you need to know to make sure you have a successful workers compensation claim At Garling & Co we have dealt with thousands
Workers guide to workers compensation Guide www.worksafe.nt.gov.au Disclaimer This publication contains information regarding workers rehabilitation and compensation. It includes some of your obligations
Post 88 Workers Compensation Procedures & Entitlements Information Booklet for Members VERSION CONTROL DISTRIBUTION CONTROL Version Number V 3.0 Release Date March 2014 Copies Unrestricted Confidentiality
A GUIDE FOR PEOPLE INJURED IN A MOTOR VEHICLE ACCIDENT CONTENTS General information 02 Early payment of expenses 03 The Accident Notification Form (ANF) 03 Who can make a claim Other driver or owner at
1 Questions and answers for employers 17 October 2012 Return to work 1. What are employers return to work obligations? Employers have an obligation to provide suitable employment (where reasonably practicable)
MAURICE BLACKBURN LAWYERS WORKCOVER SOUTH AUSTRALIA 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family shouldn t have to suffer.
New South Wales Workers Compensation Amendment (Transitional) Regulation 2012 under the Workers Compensation Act 1987 Her Excellency the Governor, with the advice of the Executive Council, has made the
MAURICE BLACKBURN LAWYERS WORKERS COMPENSATION NSW 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family shouldn t have to suffer.
ASBESTOS COMPENSATION IN TASMANIA A GUIDE Asbestos Compensation Commissioner Disclaimer This information is for guidance only and not to be taken as an expression of the law. It should be read in conjunction
WORKERS COMPENSATION AND REHABILITATION QUESTIONS AND ANSWERS The Work Health & Safety Unit has responsibility for the management of workers compensation claims and the rehabilitation of injured employees.
Guidelines for Employers Return-to-Work Programs April 2003 WorkCover. Watching out for you. Published by WorkCover NSW First published November 1987 Revised November 1993, December 1994, May 1997, March
Death and Incapacity Cover Retirement Benefits Fund Tasmanian Accumulation Scheme Death and Incapacity Cover Information in this brochure is current as at 18 January 2012 Retirement Benefits Fund Tasmanian
An Introduction to Workplace Rehabilitation OUTLINE Definition of workplace rehabilitation Goals of workplace rehabilitation Obligations Who may be involved in rehabilitation Your employer s process for
understanding your household workers insurance policy A guide to your policy cover and conditions HHWPG August 2014 contents About WorkCover Queensland 3 About your household workers insurance policy 3
Fact Sheet > Super SA > Triple S > Your Questions Answered MAKING AN INCOME PROTECTION CLAIM > 1 IN THIS FACT SHEET > What is Income Protection (IP)? > Circumstances under which IP will not be paid > Step
We have received notification of an injury that you have recently sustained. Please find enclosed the relevant paperwork and information that will help you during your claim for Workers Compensation. You
LAWYERS New South Wales & Victoria Transport Accident Commission (TAC) Claims FREQUENTLY ASKED QUESTIONS What is a transport accident? A transport accident is an incident directly caused by a motor car
New South Wales Motor Accidents Compensation Amendment (Claims and Dispute Contents Page 1 Name of Act 2 2 Commencement 2 3 Amendment of Motor Accidents Compensation Act 1999 No 41 2 4 Amendment of other
DRAFT Sickness Absence Management Policy and Procedure 1. Scope The Council s Sickness Absence Management Policy and Procedure (SAMP) applies to all employees and forms part of the contract of employment.
What is Workers Compensation? Who Administers the Workers Compensation Program and Related Responsibilities? Who is Eligible for Workers Compensation? What Coverage is Provided? What is a Compensable Injury?
A glossary for injured workers Who s who in the July 2013 Who s who in the A glossary for injured workers About us 1 Talking your language service 2 Key contacts during the 3 About the roles in the 4 Allied
DECS REHABILITATION & RETURN TO WORK POLICY & PROCEDURES FOREWORD The Department of Education and Children s Services (DECS) is committed to safe work practices that support the wellbeing of all employees.
SUBMISSION to PRODUCTIVITY COMMISSION NATIONAL WORKERS COMPENSATION AND OCCUPATIONAL HEALTH & SAFETY FRAMEWORKS by NATIONAL MEAT ASSOCIATION OF AUSTRALIA NSW DIVISION 24 June 2003 SOME OF THE ISSUES TO
There are two primary pieces of legislation governing Workers Compensation in New South Wales: Workplace Injury Management and Workers Compensation Act 1998 The Workers Compensation Legislation Amendment
A Guide to Workers Compensation in Tasmania DISCLAIMER This information is for guidance only and is not to be taken as an expression of the law. It should be read in conjunction with the Workers Rehabilitation
understanding your workplace personal injury insurance policy A guide to your policy cover and conditions WPIIPG September 2013 contents About WorkCover Queensland 3 About your workplace personal injury
A guide for injured workers Returning to work April 2011 Contents 1. Getting back to work 1 Ideas to help you return to work 2 Staying positive 2 Your employer s legal obligations 3 Anti-discrimination
8 October 2013 SPECIAL SUPPLEMENT 4385 Additional Reports or Documents Please list and provide copies of all further information, reports and documents in support of this application for review................
MAURICE BLACKBURN LAWYERS WORKCOVER VICTORIA 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family shouldn t have to suffer. That
INJURY AND ILLNESS MANAGEMENT POLICY 2015 The Vice-Principal (Operations), as delegate of the Senate of the University of Sydney, adopts the following policy. Dated: 16 December 2014 Position: Vice-Principal
Temporary Injury Allowance Process and Procedures Isle of Man Government Temporary Injury Allowance Process and Procedures Introduction Staff who are injured or become ill due to their employment may be
Date of Adoption: 09 / 07 / 2013 The process outlined by this Procedure will meet the minimum requirements to assist you and the Local Government Association Workers Compensation Scheme (LGAWCS) meet legislative
Human Resources ATTENDANCE MANAGEMENT POLICY AND PROCEDURE Agreed June 2013 To be reviewed 2015 Contents Page 1. Scope and Policy 3 2. Accountability 3 3. Learner Involvement 3 4. Process 4.1 Rules for
> 1 Income Protection insurance provides a fortnightly income of up to 75% of your salary while you are off work due to temporary or permanent incapacity for a maximum period of 24 months or to age 60,
Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION If you have suffered a personal injury it is important to consider all potential sources of compensation. A personal
A U S T R A L I A S S A F E S T W O R K P L A C E S All about workers compensation A GUIDE FOR EMPLOYEES INJURED AT WORK FROM 1 DECEMBER 1988 TO 12 APRIL 2007 Disclaimer This publication is a guide only
Issued ₁ July ₂₀₁₅ Insurance guide SignatureSuper AMP Life fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document forms part of the
All About Workers Compensation A Guide for Employees Page 1 of 23 Table of Contents Disclaimer 4 Introduction 4 Who is this publication for? 4 What does the Fleetmaster scheme cover? 4 About Fleetmaster:
ILARS POLICY Funding of applications by injured workers to pursue claims for compensation Introduction This WIRO Policy sets out the circumstances in which the Independent Legal Assistance and Review Service
WORKERS COMPENSATION Date Approved by Board: 1 st December 2006 Updated: 13 th June 2014 Policy Overview of Workers Compensation & Injury Management The College supports the appropriate workers compensation
Injury Allowance a guide for staff Introduction 1 NHS staff who are injured or become ill due to their employment may be entitled to financial assistance if their pay is reduced as a result of their health
Return to Work/Injury Management Plan (Incorporating initial assessment and subsequent reviews of RTW or IM Plans) Type of plan please 4 Return to Work Plan (RTWP) Injury Management Plan (IMP) Worker details
NEW Law Pty Ltd ABN 51 148 002 368 50 O Dea Avenue Waterloo NSW 2017 NEWSLETTER WORKERS COMPENSATION LEGISLATION AMENDMENT BILL 2012 Last week the NSW Government put through a bill to amend the Workers
(a) 7-48 Workers' Compensation A. Purpose 1. The purpose of the Virginia Workers' Compensation Act is to provide compensation to employees for the loss of their opportunity to engage in work when their
Employers guide to workers compensation Guide www.worksafe.nt.gov.au Disclaimer This publication contains information regarding workers rehabilitation and compensation. It includes some of your obligations
1 of 6 Construct Australia Income Protection Services Injury and Sickness Claim Form This claim form consists of 3 parts and all sections must be completed in full. Section A Claimant Statement Section
A new Return to Work scheme for South Australians A policy statement to support the Return to Work Bill 2014 www.yoursay.sa.gov.au/yoursay/changes-to-workcover-august-2014-update Contents A message from
Benefits Guide Information for the Injured Worker The purpose of this benefits guide is to help you learn what to expect if you ever need workers compensation benefits. Recovering from a work injury can
Authority: WORKER S COMPENSATION, ACCIDENT REPORTING AND OSHA RECORDKEEPING Chancellor History: Revised January 22, 2007; supersedes former Policy No. HR 5.10 effective July 24, 1995 Source of Authority:
Nebraska Workers Compensation Court Information Sheet: Rights & Obligations under the Nebraska Workers Compensation Law NEBRASKA WORKERS COMPENSATION COURT OFFICIAL SEAL What is workers compensation? Workers
Willis Australia Limited ABN: 90 000 321 237 AFS License Number 240600 Office use only Claim Number:. AUSTRALIAN CANOEING. PERSONAL INJURY CLAIM FORM Willis Australia Limited HEAD OFFICE Level 5, 179 Elizabeth
WS016 REHABLITATION AND RETURN TO WORK POLICY NEW SOUTH WALES Purpose EI is committed to the rehabilitation of workers who are injured at work. This policy outlines how EI will aim to ensure such workers
SPORTING ACCIDENT CLAIM FORM Please read this page first before completing the Claim Form Dear Member, Thank you for your Claim Form request. This letter contains important information relevant to your
DEECD Corporate WorkSafe policy guide January 2013 Published by the Communications Division for Human Resources Division Department of Education and Early Childhood Development Melbourne January 2013 State
Office use only Policy Number: 0028332 Claim Number: s PERSONAL INJURY CLAIM FORM INSURANCE BROKER FOR TENPIN BOWLING AUSTRALIA V-Insurance Group Pty Ltd Authorised Representative No. 432898 an authorised
Your Guide to Pursuing a Personal Injury Claim 2 Contents Introduction... 3 Important things that you must do... 3 In The Beginning... 4 Mitigating your loss... 4 Time limits... 4 Who can claim?... 4 Whose
1. Purpose Workers Compensation Return-to-Work-Program 1.1 Under workplace/occupational health and safety and workers compensation legislation, Education Centre of Australia Pty Ltd ( ECA ) is required
Your Rights Under the Missouri Workers Compensation Law All states have workers compensation laws. The Missouri Workers Compensation Law is contained in Chapter 287 of the Revised Statutes of Missouri.
Industrial Injury Allowance Policy 1. Aim The aim of this policy is to provide information to managers on the reporting of industrial injury related absence, and the mechanisms available to support employees
There can be a lot of details in any property transaction and we know what to look for, and when they need to be looked at. To make sure the transaction goes smoothly, our experienced team will work with
Personal Injury Claim Pack A guide to your compulsory third party (CTP) insurance claim Contents Snapshot of the CTP claims process... 2 Prior to lodging your claim... 2 Lodgement of your claim... 3 Processing
Workers Compensation Cuts: One Year On A report by Unions NSW highlighting the real impacts the O Farrell Government s changes to the workers compensation system are having on the people of NSW. Introduction
Managing injury and return to work policy Description: This is a precedent workplace policy governing the management of injury and return to work. Author: Brooke Pendlebury Principal Lawyer, Pendlebury
Willis Australia Limited ABN: 90 000 321 237 AFS License Number 240600 Office use only Claim Number:. PETANQUE AUSTRALIA PERSONAL INJURY CLAIM FORM Willis Australia Limited HEAD OFFICE Level 5, 179 Elizabeth
INJURY MANAGEMENT AND RETURN-TO-WORK PROGRAMS WHAT IS INJURY MANAGEMENT? Injury management is about ensuring the prompt, safe and durable return-towork of an injured worker. It includes treatment of the
Injury Allowance: A Guide for staff Introduction 1 NHS staff who are injured or become ill due to their employment may be entitled to financial assistance if their pay is reduced as a result of their health
FORM 2 PERSONAL INJURIES PROCEEDINGS ACT 2002 NOTICE OF CLAIM (Health Care Claims) INSTRUCTIONS FOR COMPLETING THIS FORM ARE ATTACHED AS THE LAST THREE PAGES OF THE FORM PLEASE READ INSTRUCTIONS CAREFULLY
Public Sector Injury Benefit Scheme 2015 Application for Injury Benefit - Notes for Guidance Purpose of this Guidance Isle of Man Government employers and Injury benefit applicants must read the guidance
Version No: 2.0 Workplace Injury Management Procedure Issued: 18/11/2013 Next Review: 15/11/2018 The process outlined by this Procedure will meet the minimum requirements to assist the Local Government
Willis Australia Limited ABN: 90 000 321 237 AFS License Number 240600 Office use only Claim Number:. PETANQUE FEDERATION AUSTRALIA LTD PERSONAL INJURY CLAIM FORM Willis Australia Limited HEAD OFFICE Level
Your consent to our cookies if you continue to use this website.