Employer commencement as a self-insurer

Size: px
Start display at page:

Download "Employer commencement as a self-insurer"

Transcription

1 External Guideline #21 Employer commencement as a self-insurer Version 4 1 April 2015

2 Contents 1 Overview Employer election Election to assume tail claims Transfer date Employer requirements Guarantee Employer s liability to pay compensation Contingent liability insurance Resources Management of tail claims Claims management policies Claims & workplace data Termination of insurance in relation to tail claims If you are injured poster Requirements if the employer s eligible subsidiary is a former self-insurer WorkSafe requirements Financial settlement Direct payees Compensation payments Claim files review and claims listings Delivery of documents Notification (injured workers and service providers) Election not to assume tail claims Retention of claims by WorkSafe Employer requirements Requirements if the employer s eligible subsidiary is a former self-insurer WorkSafe requirements Privacy and confidentiality Health information and personal information Restrictions on access to health information and personal information Obligations in relation to confidential information Compliance with the WIRC Act Further information Other reference material...28 Appendix A Glossary...29 Appendix B Tail claims listings...34 Appendix C Election to assume tail claims...35 Appendix D Revocation of approval...37 Page 2 of 40

3 Executive summary This document is intended to provide an employer with an understanding of the requirements that must be met in order for an employer to commence operating as a selfinsurer. It applies to an employer that has been initially approved as a self-insurer. The requirements that must be met by an employer will vary depending upon whether the employer elects to assume or not to assume the liability for, and the responsibility for management of, its tail claims and are covered within this guideline. Page 3 of 40

4 1 Overview An approval of an employer as a self-insurer takes effect from the date determined by 1 (WorkSafe) and notified in writing to the employer 2. The approval may be subject to compliance with a term and condition or a condition precedent determined by WorkSafe which relates to the employer before the employer becomes a self-insurer. An employer that has been approved as a self-insurer may assume the liability for and the responsibility for management of, its tail claims 3. If an employer elects to assume the liability for its tail claims, WorkSafe must make payment to the employer of a settlement amount calculated in accordance with the Ministerial Order made under section 401 of the Workplace Injury Rehabilitation and Compensation Act 2013 (WIRC Act). If an employer elects not to assume the liability for its tail claims, WorkSafe will retain the liability for, and the responsibility for management of, the employer s tail claims. The requirements that must be met by an employer will depend upon whether the employer elects to assume or not to assume the liability for, and the responsibility for management of, its tail claims and are covered in sections 3 and 4 of this document. The requirements may apply either prior to or from the date the employer commences operating as a self-insurer. If an employer s approval is subject to a term and condition or a condition precedent, WorkSafe will advise the employer of the requirements that must be met. The requirements are not covered within this document as they are determined on a case by case basis. The employer must provide to WorkSafe, on the date its approval as a self-insurer takes effect, a guarantee in accordance with section 393 of the WIRC Act. If the employer elects to assume the liability for its tail claims, the guarantee must also be provided in accordance with sections 399 and 400 of the WIRC Act. 2 Employer election When applying for approval as a self-insurer, an employer may elect to assume the liability for, and the responsibility for management of, its tail claims. The forms and schedules completed by an employer when applying for approval as a self-insurer requests confirmation of the employer s election. For further details, refer to Form #2 Application for approval as a self-insurer. 1 is a trading name of the Victorian WorkCover Authority. 2 Employer as defined under sections 3 and 372 of the WIRC Act (see glossary in Appendix A). 3 Tail claims is defined in the glossary (see Appendix A). Page 4 of 40

5 3 Election to assume tail claims An employer that elects to assume the liability for, and the responsibility for management of, its tail claims will assume the liability on the transfer date 4, upon the provision of a guarantee. The activities undertaken to enable an employer to assume the liability and management of its tail claims and to commence as a self-insurer are detailed in the following paragraphs 3.1 to 3.3. The activities cover requirements that must be met by the employer and WorkSafe, and includes the ongoing requirements after the tail claims liability have been assumed by the employer. 3.1 Transfer date The transfer date is the date agreed between WorkSafe and the employer, on which the liability for, and the responsibility for management of, the tail claims are assumed by the employer. The transfer date is the same date that the employer s approval as a self-insurer takes effect. In determining the transfer date, WorkSafe will have regard to: the timings in respect of the employer obtaining an actuarial valuation of its tail claims liability whether the actuarial valuation complies with section 393 and subsections 400(2) and (3) of the WIRC Act whether the employer s proposed guarantee complies with o o in respect of the employer s tail claims liability, subsection 400(1) of the WIRC Act; in respect of the employer s assessed liability, section 393(2) of the WIRC Act whether payments of all outstanding premium for statutory contracts of insurance and penalties under the WIRC Act or the Accident Compensation Act 1985 (ACA), where applicable, have been finalised by the employer whether all rateable remuneration paid or payable under the WIRC Act has been certified by the employer compliance with any condition precedent the employer is subject to as determined by WorkSafe (where applicable) compliance with any terms or conditions the employer is subject to which relates to the employer before the employer becomes a self-insurer (where applicable) the volume of claims data and claim files and the number of workplaces of the employer 4 Transfer date is defined in paragraph 3.1 of this document and in the glossary (see Appendix A). Page 5 of 40

6 whether the employer has sufficient resources for the purpose of administering claims for compensation, return to work (RTW), including occupational rehabilitation, and occupational health and safety (OHS) functions whether the employer has adequate information management systems and processes for managing claims and associated activities and satisfies reporting requirements to WorkSafe; and the adequacy of the proposed security or security in place to ensure the confidentiality of all information (including physical and electronic) to be obtained under the WIRC Act. 3.2 Employer requirements The requirements that must be met by the employer are detailed in the following paragraphs to , and apply either prior to or from the transfer date, as the case may be Guarantee a) Overview Upon the provision of a guarantee in accordance with section 393 and 400 of the WIRC Act on the transfer date, the employer will assume the liability for, and the responsibility for management of, its tail claims. On and from the transfer date and until such time as the employer ceases as a selfinsurer and WorkSafe assumes the liability for the tail claims under subsection 407 of the WIRC Act, an employer must have in force at all times a guarantee in respect of its liability [subsections 393(1)(a) and 399(2)]. Under subsections 393(2) and 400(1) of the WIRC Act, the guarantee must: be given by an authorised deposit-taking institution (ADI) to or in favour of WorkSafe be in a form approved by WorkSafe guarantee must guarantee payment for amounts not less than: i) one and one-half times the amount of the assessed liability 5 of the employer or $3,000,000, whichever is greater [subsection 393(2)(c)]; and ii) one and one-half times the amount of the assessed tail claims liability of the employer or the eligible subsidiary, as the case may be [subsection 400(1)(c)]. 5 Assessed liability is defined in the glossary (see Appendix A). Page 6 of 40

7 An employer may elect to have in place more than one guarantee. According to the current guarantee template approved by WorkSafe, the guarantee payment is entered as a single amount. Consequently, if the employer elects to have in place one guarantee, a single amount which represents the sum of i) and ii) above is the guarantee payment amount. WorkSafe will forward to the employer a guarantee template approved by WorkSafe prior to the transfer date and seek confirmation from the employer that it will deliver a guarantee, in accordance with legislative requirements, to WorkSafe by the transfer date. To ensure that the guarantee is in a form approved by WorkSafe, the employer is required to forward to WorkSafe, no later than 15 working days prior to the transfer date, its proposed guarantee so that WorkSafe can review and determine whether it is in the approved form. If WorkSafe does not approve the proposed guarantee, the employer will be requested to amend the guarantee accordingly prior to the transfer date. b) Specific requirements The requirements in respect of a guarantee that must be held by an employer under section 393, 399 and 400 of the WIRC Act are as follows: i) Initial actuarial valuation of tail claims liability Prior to the transfer date, the employer must obtain an actuarial valuation 6 of its tail claims liability and liability under section 393(3) of the WIRC Act and provide a copy of the valuation to WorkSafe. The actuarial valuation must be undertaken by an actuary approved by WorkSafe and be in accordance with the guidelines approved by WorkSafe (refer to External Guideline #5 - Actuarial assessment of self-insurance liabilities). For the purpose of undertaking the actuarial valuation, the tail claims liability and liability under subsection 393(3) of the WIRC Act must be valued as at the transfer date and data files used for the valuation should be extracted as at the closest available date. If an employer is uncertain as to the timings concerning the actuary valuation, it should contact WorkSafe for clarification. 6 If the employer s eligible subsidiary is a former self-insurer, WorkSafe will assess the eligible subsidiary s most recent actuarial valuation submitted under its approval as a self-insurer. Depending on the timing of the actuarial valuation, however, WorkSafe may request a reevaluation of the tail claims liability of the eligible subsidiary. Page 7 of 40

8 ii) Delivery of guarantee On the transfer date, the employer must deliver to WorkSafe a guarantee by an ADI in a form approved by WorkSafe for an amount in accordance with subsections 393(2)(c) and 400(1)(c) of the WIRC Act. For further information, refer to paragraph 3.2.1a) of this document. iii) Annual actuarial valuation of liability Within 3 months of the end of each financial year of the employer, the employer must obtain an actuarial valuation of its claims liability (i.e., the liability incurred during the period of self-insurance and tail claims liability 7 ) by an actuary approved by WorkSafe and provide a copy of the valuation to WorkSafe. The actuarial valuation must be in accordance with the guidelines approved by WorkSafe (refer to External Guideline #5 - Actuarial assessment of self-insurance liabilities). If WorkSafe disputes the methodology or conclusions of the actuarial valuation, it will notify the employer as soon as practicable after receipt of the valuation and may require the claims liability to be assessed by an actuary appointed by WorkSafe. For this purpose, the employer must permit any actuary appointed by WorkSafe to inspect the books of the employer to enable the assessment to be made. iv) Provision in accounts Based on the actuarial valuation obtained by the employer annually, the employer must make provision in its accounts for current, non-current and contingent tail claims liability (as defined in footnote 6) and the assessed liability 8 under subsection 393(3) of the WIRC Act. v) Variation in amount of the guarantee Within 28 days of receipt of the actuarial valuation of the tail claims liability (as defined in footnote 6) and liability 9 under subsection 393(3) of the WIRC Act, prepared by the actuary appointed by the employer or the actuary appointed by WorkSafe, as applicable, WorkSafe or the employer may require that the existing guarantee be replaced by a guarantee for an amount not less than an amount not less than one and one-half times: if WorkSafe has obtained its own actuarial assessment, the amount of that assessment; or 7 Tail claims liability in this context means the outstanding liability in respect of: a claim for which the employer assumed the liability for, and the responsibility for management of, under subsections 395(2), 397(3) and/or 398(3) of the WIRC Act. 8 Assessed liability is defined in the glossary (see Appendix A). 9 Liability refers to the assessed liability as defined in the glossary (see Appendix A). Page 8 of 40

9 otherwise, the amount of the actuarial assessment obtained by the employer. vi) Recourse of guarantee WorkSafe may recover under any guarantee provided to it by the employer for the amount of any liability, fee, cost, damage or expense suffered or incurred by WorkSafe as a result (directly or indirectly) of any failure by the employer to satisfy a relevant claim or any breach or failure by the employer to comply with its obligations under Part 8 of the WIRC Act 10, or the employer has ceased to be an approved self-insurer. vii) Release of guarantee WorkSafe will not release the guarantee held by the employer under the WIRC Act until such time as: the employer ceases to be a self-insurer and WorkSafe assumes liability for the employer s tail claims 11 under subsection 403(3)(a) of the WIRC Act; and following the final assessment date 12 in respect of the final revised assessment as at the end of the sixth year of the liability period in accordance with section 406 of the WIRC Act. For further information on the guarantee requirements of a ceased self-insurer, refer to External Guideline #18 Requirements for ceased self-insurers Employer s liability to pay compensation When an employer becomes a self-insurer, the employer is liable to pay compensation or other payments, subject to sections 398 and 403 of the WIRC Act, if: i) a worker, the dependants of a worker or the members of a worker s family are entitled to compensation or any other payments, whether under the WIRC Act or the ACA or at common law, in respect of an injury or death incurred or suffered by a worker; and ii) at the time of the injury or death, the worker s employer was a self-insurer or an eligible subsidiary of a self-insurer 13 [section 391]. 10 In certain circumstances, compliance under the Accident Compensation Act 1985 (ACA) may apply. 11 Tail claims in this context means: a) a claim, regardless of when made, in respect of an injury or death (i) incurred or suffered by a worker employed by the employer (or its eligible subsidiary/ies) while the employer was a selfinsurer (ii) which entitles that worker, the dependants of that worker s family to compensation or any other payments, whether under the WIRC Act (or ACA, where applicable) or at common law; and b) a claim for which the employer assumed the liability for, and the responsibility for management of, under subsections 395(2) and/or subsections 397(3), 398(3) of the WIRC Act. 12 Final assessment date is defined in the glossary (see Appendix A). Page 9 of 40

10 In respect of the tails claims of the employer, the employer is not liable to pay compensation or other payments until it assumes the tail claims liability. WorkSafe Agent with which the employer holds a statutory contract of insurance will continue to manage the tail claims of the employer until close of business the day prior to the transfer date. The employer must continue to lodge any claims with WorkSafe Agent until the transfer date. The employer will be liable to pay compensation and other payments, regardless of when the claim is made and irrespective of the date of injury, on and from the transfer date. The following requirements also apply to an employer on and from the transfer date: a) Compensation The employer must pay from its own funds all compensation and all fees, costs, damages and expenses in respect of the tail claims without recourse to WorkSafe for any reimbursement. b) Indemnity The employer indemnifies WorkSafe against all liability, fees, costs, damages and expenses suffered or incurred by WorkSafe resulting directly or indirectly from a failure by the employer to satisfy any tail claim. c) No limit on liability There is no limit on the liability of the employer in respect of all relevant claims which the employer is liable to pay as a self-insurer under Part 8 of the WIRC Act 14. In particular, the liability of the employer is not limited to the final settlement amount payable by WorkSafe to the employer. For further information on the final settlement, refer to paragraph of this document. d) Divestment Where an employer divests part of all of its ownership of an eligible subsidiary, the tail claims 15 liability will remain the employer s liability. 13 Eligible subsidiary is defined in the glossary (see Appendix A). 14 In certain circumstances, the ACA may apply. 15 Tail claims in this context means: a) a claim, regardless of when made, in respect of an injury or death (i) incurred or suffered by a worker employed by the eligible subsidiary (ii) which entitles that worker, the dependants of that worker s family to compensation or any other payments, whether under the WIRC Act (or ACA, where applicable) or at common law b) a claim for which the employer assumed the liability for, and the responsibility for management of, under subsections 395(2), 397(3), or 398(3) of the WIRC Act; and c) a claim for which the employer is liable to pay compensation and other payments in accordance with section 391 of the WIRC Act (or ACA, where applicable) up until the date the eligible subsidiary is divested by the employer. Page 10 of 40

11 The employer must retain the liability and management of the tail claims (as defined in footnote 14) of the divested subsidiary until such time as the employer ceases to be a self-insurer and the liability is assumed by WorkSafe under subsection 403(3)(a) of the WIRC Act Contingent liability insurance Under subsection 393(1)(b) of the WIRC Act, an employer must have in force at all times a contract of insurance in respect of its contingent liabilities effected with an insurer approved by the Australian Prudential Regulation Authority pursuant to the Insurance Act The insurer must not be related to the employer by reason of section 50 of the Corporations Act 2001, or be with an insurer which is wholly owned by any State or Territory of the Commonwealth. The contract of insurance must be for an unlimited amount in excess of the employer s liability for any one event or series of events arising out of any occurrence during the policy period for an amount not greater $ The employer must submit to WorkSafe by the transfer date a certified copy of the contract of insurance, including the terms set out in the policy of insurance. A certificate of currency of the contract of insurance must be submitted by the employer to WorkSafe annually. Within 21 days after a contract of insurance is altered or effected with a different insurer, the employer must submit to WorkSafe a certified copy of the revised contract of insurance Resources An employer is required to have appropriate and sufficient resources in place for the administration and management of its claims and to satisfy its legislative obligations as an employer and as a self-insurer under the WIRC Act 16. Sufficient resources include, but are not limited to, the employer having a) experienced, qualified and competent staff to carry out all functions necessary for administering and managing claims for compensation b) adequate information management systems and appropriate policies and procedures for managing claims and associated activities which also satisfies the reporting requirements to WorkSafe and is compliant with the WIRC Act; and c) adequate security in place to ensure the confidentiality of all information (physical and electronic) obtained under the WIRC Act. 16 In certain circumstances, the ACA may apply. Page 11 of 40

12 For information on human resources, refer to External Guideline #14 Human resources for managing claims Management of tail claims a) General responsibility On and from the transfer date, the employer will manage, conduct and control all tail claims in accordance with the WIRC Act 17, the Workplace Injury Rehabilitation and Compensation Regulations 2014 (Regulations) ) or a Ministerial Order or any other subordinate instrument made under the WIRC Act or the Regulations. The employer will apply the same standards and care in its claims management practices irrespective of whether the claims are tail claims or claims incurred under the employer s approval as a self-insurer. The employer is responsible to ensure that appropriate arrangements are put in place to facilitate the transfer of claims which results in no interruption to the service delivery to injured workers and other relevant stakeholders, and the management of the tail claims and that it complies with the WIRC Act or the ACA, where applicable). b) Specific responsibility The employer is responsible on and from the transfer date for exercising all of the relevant powers and functions under the WIRC Act 18 in respect to the management of its tail claims. Subject to the legislative requirements under the WIRC Act 19 the employer is responsible for: i) managing, conducting and controlling the tail claims under the WIRC Act 20 including: receiving, assessing entitlements in respect of and accepting or rejecting relevant claims taking all steps necessary and appropriate in accordance with the WIRC Act in respect to the alteration, reduction or termination of benefits referring disputes for conciliation under Division 2 of Part 6 of the WIRC Act and participating in conciliation under that Division in respect of all tail claims which have been referred for conciliation 17 In certain circumstances, the ACA may apply. 18 In certain circumstances, the powers and functions under the ACA may apply. 19 In certain circumstances, the legislative requirements under the ACA may apply. 20 In certain circumstances, the ACA may apply. All referencing to the WIRC Act in this paragraph also applies to the equivalent provisions under the ACA, where applicable. Page 12 of 40

13 commencing, defending or negotiating proceedings before the Supreme Court, the County Court, the Magistrates Court or the Victorian Civil and Administrative Tribunal payment of tail claims for compensation within the time limits imposed by the WIRC Act where such tail claims are accepted or deemed to be accepted tail claims payment of costs and compensation due and in progress prior to and from the date of transfer date ensuring the benefits for which there is a continuing entitlement are paid promptly and without interruption and that a worker who is already taking part in an occupational rehabilitation or training program is enabled and encouraged to complete that program in respect of tail claims for damages 21, taking all reasonable and necessary steps to enable the settlement of tail claims for damages or to defend and conduct proceedings in respect of such tail claims ii) in respect of all tail claims: doing all things reasonably necessary to facilitate the speedy return to the workplace of an injured worker including but not limited to the worker s allocation to alternative duties employing or instructing investigators, legal advisers or other service providers as appropriate notifying WorkSafe as soon as it becomes aware of any strategically significant matter (as defined in guidelines issued by WorkSafe from time to time) to which it is a party, in a form approved by WorkSafe; and providing supporting information in relation to any strategically significant matter in accordance with guidelines made by WorkSafe. For further information, refer to External Guideline #9 Notification of strategically important matters. c) Recoveries In respect of all tail claims for which WorkSafe has paid compensation or other payments, the employer shall not obtain recovery of any contributions under sections 367, 368, 369 and 618 of the WIRC Act Claims for damages is defined in the glossary (see Appendix A). 22 Or sections 137, 137A or 138 of the ACA, where applicable. Page 13 of 40

14 3.2.6 Claims management policies An employer is required to make available its claims management policies, provide these policies to WorkSafe and make the policies readily available to its workers by the transfer date. The employer must maintain current claims management policies in accordance with any amendments to the WIRC Act 23 or the Regulations or a Ministerial Order or any other subordinate instrument made under the WIRC Act. An employer may elect to adopt WorkSafe s Claims Manual in place of developing and maintaining their own claims management policies. If an employer adopts WorkSafe s Claims Manual, the employer must notify WorkSafe and make WorkSafe s Claims Manual readily available to its workers. If the employer does not elect to adopt WorkSafe s Claims Manual then any policy documented by the employer which differs from WorkSafe s Claims Manual is to be provided to WorkSafe prior to implementation by the employer Claims & workplace data a) Confidentiality deed A confidentiality deed is entered into between WorkSafe and the employer. The confidentiality deed enables WorkSafe to release claims information or documentation and other confidential information or documentation to the employer prior to the transfer date. The confidentiality deed is signed by the duly authorised representative of the employer and WorkSafe. b) Workplace data WorkSafe will provide the employer with a list and details of all workplaces registered in WorkSafe s information management system (ACCtion) for the employer, (both current and historical). To facilitate the registration of workplace(s) in WorkSafe s Self-insurance Management Online (SIMON) system, the employer is required to: review and confirm or update existing details, including the address and WorkCover Industry Classification (WIC) of each workplace of the employer; and include any other relevant data or information as may be determined by WorkSafe at the time. Once the updated details have been received and assessed by WorkSafe, WorkSafe will register workplaces in SIMON and seek final confirmation from the 23 In certain circumstances, the ACA may apply. Page 14 of 40

15 employer. It should be noted that where WIC allocation issues arise, they must be resolved prior to the transfer date. c) Tail claims history Prior to the transfer, a service provider contracted to WorkSafe will extract from WorkSafe s electronic records the claims history of the employer as at the extract date and supply this extract and an accompanying data definitions document to the employer for testing. The employer must process the test extract to ensure that it can read the data and be able to accurately and completely load to its claims management system all data necessary to its tail claims and meet WorkSafe s reporting requirements from the transfer date. To confirm the integrity of the data being loaded into the employer s management system, WorkSafe may request that the employer furnish special purpose reports or other relevant information or documentation. Where issues may arise in relation to the loading and integrity of the data, they must be resolved prior to the transfer date. The claims history of the employer will be extracted by the service provider the night prior to the transfer date. The employer will be ceased on ACCtion on the transfer date. The service provider will provide the extract to the employer on the transfer date. As soon as is practicable after the transfer date, the employer is responsible upon receipt of the claims data file to: load onto its claims management information system all data required for the purposes of reporting to WorkSafe and administering claims; and retain all historical data in an accessible form which satisfies audit trail requirements and is accessible for claims administration or reporting purposes. d) Claims submission On and from the transfer date, the employer must report all claims (i.e., selfinsurance claims 24 and tail claims) in accordance with the requirements of WorkSafe. Tail claims of the employer must be included in claims submissions to WorkSafe where the status of the claim has changed since the date of transfer or the employer has made any payment. Only payments made by the employer are to be reported. 24 Self-insurance claims means claims incurred under the employer s approval as a self-insurer. Page 15 of 40

16 Tail or self-insurance claims of the employer cannot be accepted in a claims submission until the employer and its workplaces are registered in SIMON. Provided that the employer has met its notification requirements and has taken all reasonable steps to progress the transfer of claims, WorkSafe will take into account the impact of the assumption of tail claims when assessing compliance with the timeframes for claims submissions Termination of insurance in relation to tail claims a) Termination of statutory contract of insurance The employer must hold a statutory contract of insurance up until the date the employer commences as a self-insurer. The employer is required to provide a final declaration of its rateable remuneration to enable the calculation of any outstanding premium. The payment of all outstanding premium and penalties, where applicable, must be made no later than by the transfer date. WorkSafe may also conduct an audit to verify premium compliance. b) No right of indemnity On and from the transfer date, an employer has no right to be indemnified by WorkSafe i) under a statutory contract of insurance pursuant to the WIRC Act, or ii) under a WorkCover insurance policy, if before 1 July 2014, the employer was a holder of a WorkCover insurance policy within the meaning of section 7(1) of the Accident Compensation (WorkCover Insurance) Act 1993 (ACWI), in relation to the tail claims of the employer If you are injured poster On and from the transfer date, the employer must ensure that all of its workplaces display the If you are injured poster identifying the employer as the point of contact and the poster is in a form approved by WorkSafe. Page 16 of 40

17 Requirements if the employer s eligible subsidiary is a former self-insurer In limited circumstances, an employer s eligible subsidiary may be a former selfinsurer 25 (eligible subsidiary). In addition to the requirements covered in paragraphs to of this document, the activities undertaken to enable an employer to assume the tail claims of a former self-insurer are covered in Appendix C. The eligible subsidiary remains liable for, and responsible for the management of its tail claims as defined under subsection 395(4) of the WIRC Act until the transfer date. The eligible subsidiary must continue to meet all obligations under the WIRC Act until its approval as a self-insurer has been revoked by WorkSafe which are covered in Appendix D. Details in relation to the revocation of the eligible subsidiary s approval as a selfinsurer are covered in Appendix D. For the requirements that must be met by the eligible subsidiary upon ceasing as a selfinsurer, refer to External Guideline #18 Requirements for ceased self-insurers. 25 Former self-insurer is defined in the glossary (see Appendix A). Page 17 of 40

18 3.3 WorkSafe requirements The activities undertaken by WorkSafe (or Worksafe Agent 26 ) to facilitate the transfer of the liability and management of the tail claims to the employer are covered in the following paragraphs to The activities undertaken may occur prior to or from the transfer date, as the case may be Financial settlement WorkSafe must make payment of a settlement amount representing the tail claims liability 27 of the employer, calculated and paid in accordance with the Ministerial Order made under section 401 of the WIRC Act. The settlement is payable for tails claims of the employer and its eligible subsidiaries that are registered employers 28. It does not include the tail claims liability of a body corporate that was a self-insurer before it became an eligible subsidiary of the employer. a) Definitions In this section, the following definitions apply as defined in the Ministerial Order made under section 401 of the WIRC Act. Adjusted estimated discounted liability for an injury year Adjusted funding ratio Certification date The estimated discounted liability plus IBNR claim loading for that injury year plus GUF loading for that injury year plus future claims handling expenses for that injury year. The funding ratio divided by the loss ratio for each injury year in which claims were incurred by WorkSafe multiplied by the factor required to reconcile the net assets produced by the adjusted funding ratio with the net assets of WorkSafe. The date on which the employer: (i) certifies all rateable remuneration paid or payable by the employer under the WIRC Act; or (ii) makes payment of all outstanding premiums for statutory contract of insurance, all outstanding penalties under the WIRC Act and all other outstanding amounts that are payable under the WIRC Act; whichever is the later. 26 Worksafe Agent is the agent/s with which the employer or its eligible subsidiary/ies hold a statutory contract of insurance. This means that the activities covered in this section may be undertaken by more than one WorkSafe Agent if the employer s eligible subsidiary/ies hold a statutory contract of insurance with a different WorkSafe Agent. 27 Tail claims liability in this instance does not include the tail claims liability of a body corporate that was a self-insurer before it became an eligible subsidiary of the employer. 28 Registered employer is defined in the glossary (see Appendix A). Page 18 of 40

19 Estimated discounted liability Final Settlement Amount Funding ratio Future claims handling expenses GUF GUF Loading IBNR IBNR claim loading Injury year Loss ratio The amount assessed using WorkSafe s statistical case estimate model (as adopted by WorkSafe at the time of any assessment) to determine the estimated outstanding liability of WorkSafe in respect of all reported tail claims, discounted for future investment earnings using discount rates from the actuarial valuation of the scheme as adopted by WorkSafe at the time of any assessment. The amount calculated as at the assumption date, being (i) or (ii) below, whichever is less: (i) the sum of the following figures for all injury years: the adjusted estimated discounted liability for each injury year multiplied by the adjusted funding ratio for that injury year; (ii) the sum of the adjusted estimated discounted liability for all injury years. The ratio of WorkSafe s total net assets to its total net liabilities based on the actuarial valuation of the scheme as adopted by WorkSafe at the time of any assessment. The expenses estimated to be incurred in claims administration of the tail claims, calculated as a percentage (determined by WorkSafe) of the sum of the estimated discounted liability, the IBNR claim loading and the GUF loading. Gross up factor, and may have a negative or positive value. The amount which aligns the statistical case estimate model with WorkSafe s actuarially assessed scheme liabilities and adjusts for recoveries, calculated as a percentage (determined by WorkSafe) of the sum of the estimated discounted liability and the IBNR claim loading. Incurred but not reported. The actuarial value of IBNR claims, calculated as a percentage (determined by WorkSafe) of the estimated discounted liability and payments to date. 1 July to 30 June. WorkSafe s incurred claims cost for an injury year, divided by WorkSafe s earned premium for that year (where incurred claims cost is defined as the value, discounted to the year of premium payment, of paid claims to date plus actuarially assessed discounted liabilities). Page 19 of 40

20 Provisional settlement The amount calculated, as at 28 days prior to the transfer date (or as at such other date prior to the transfer date that WorkSafe determines), being (i) or (ii) below, whichever is less: (i) 80% of the sum of the following figures for all injury years: the adjusted estimated discounted liability for each injury year multiplied by the adjusted funding ratio for that injury year; (ii) 80% of the sum of the adjusted estimated discounted liability for all injury years. b) Payment of provisional settlement The provisional settlement amount is paid to the employer by WorkSafe on the transfer date or as soon as is practicable thereafter. c) Payment of final settlement Dependent upon whether the final settlement amount exceeds the provisional settlement amount, the final amount payable is paid either by WorkSafe or the employer. i) Payment by WorkSafe If the final settlement amount exceeds the provisional settlement amount, the difference between these amounts is payable by WorkSafe to the employer 28 days after: certification of all rateable remuneration of the employer paid or payable by the employer under the WIRC Act; or payment by the employer of all outstanding statutory contract of insurance 29 and penalties under the WIRC Act (or under the ACA) for the registered employer; whichever is the later date. ii) Payment by the employer If the provisional settlement amount exceeds the final settlement amount, the difference between these amounts is payable by the employer to WorkSafe within 28 days after receiving notice in writing from WorkSafe or such further period as may be agreed between WorkSafe and the employer. d) GST payable GST is not payable on the provisional and final settlement amounts. 29 Including any outstanding premium related to a WorkCover insurance policy that the registered employer was a holder of before 1 July 2014 and within the meaning of section 7(1) of the ACWI or any outstanding levies under the ACA. Page 20 of 40

21 3.3.3 Direct payees WorkSafe Agent will make specific arrangements with the employer with respect to injured workers who are direct payees of the employer prior to the transfer date (where applicable) Compensation payments WorkSafe Agent will ensure that all compensation payments (i.e., weekly, medical and like, lump-sum, common law, other) and legal costs have been processed prior to the transfer date Claim files review and claims listings WorkSafe Agent will undertake the following activities: a) review all active claim files and ensure that the files are up to date, including case notes, prior to the transfer date b) to facilitate the transfer of the tail claim files and the provision of accurate information to enable the employer to manage the claims without interruption of service to injured workers, on the transfer date or as soon as practicable thereafter, claims lists will be provided to the employer. The claims listings will include: - all claim files to be sent to the employer - all new claims approaching 28 days for liability determination as at the transfer date - all urgent matters (e.g., litigation, disputes referred for conciliation, court/tribunal hearings, formal/informal conferences, etc) with accompanying details and key event dates; and - all strategically significant matters. For information on the type of details captured in the tail claims listings, refer to Appendix B c) reconcile the current and historical claims data with the physical claim files to ensure that all documentation have been accounted for. If physical files cannot be located, WorkSafe Agent will recreate the files. WorkSafe Agent will provide a list of the recreated files and details of any discrepancies and corrective action taken to address the discrepancies by the transfer date d) on transfer date or as soon as practicable thereafter, provide to the employer details of each outstanding litigated matter, including all key event dates (examples: conference; mediation; hearing; directions hearing date; 120 day serious injury decision; statutory offer; etc) Page 21 of 40

22 e) on transfer date or as soon as practicable thereafter, provide to the employer details for each dispute referred for conciliation that is unresolved or for which a final outcome is not reached as at the transfer date f) advise WorkSafe s panel solicitor(s) acting on behalf of WorkSafe Agent the following: - the panel solicitor may be contacted by the employer s solicitor to confirm the transitioning of the files having regard to litigation risk and immediacy of key event dates - where requested by the employer or solicitor on its behalf, the files 30 of WorkSafe s panel solicitor(s) are to be sent to the employer or directly to the employer s solicitor; and - in relation to unpaid work by WorkSafe s panel solicitor(s) on litigated matters as at the transfer date, the panel solicitor(s) are to render its legal cost invoices payable by the employer in accordance with the Ministerial Order made under subsection 401(1) of the WIRC Act Delivery of documents WorkSafe Agent will deliver to the employer within 10 working days of transfer date or as soon as practicable after that date all documents, files, disks, tapes, CDs and other records in their possession or under their control in respect of the tail claims. Within the same timeframe, WorkSafe will also deliver to the employer all documents stored in WorkSafe s secondary storage kept on behalf of WorkSafe Agent. In respect of claims for compensation approaching 28 days and where liability has not yet been determined as at the transfer date, WorkSafe Agent will endeavour to forward pending claims to the employer within five working days after the transfer date Notification (injured workers and service providers) No later than 10 working days prior to the transfer date, WorkSafe Agent will notify injured workers of the registered employer and service providers of: a) the change of insurance status b) the contact details of the employer; and c) administrative arrangements in respect of the tail claims. 30 A copy of the file may be provided by the panel solicitor. Page 22 of 40

23 4 Election not to assume tail claims The activities undertaken where an employer elects not to assume the liability for, and the responsibility for management of, its tail claims are detailed in the following paragraphs 4.1 to Retention of claims by WorkSafe WorkSafe retains the liability and management of the cohort of claims in respect of: a) an injury or death incurred or suffered by a worker employed by the employer or its eligible subsidiaries (if any) before the date the approval of the employer as a self-insurer takes effect under section 382(1) of the WIRC Act; and b) which entitles that worker, the dependants of that worker or the members of that worker s family to compensation or any other payments, whether under the WIRC Act 31 or at common law. 4.2 Employer requirements The requirements that must be met by the employer are as follows: a) any claims for compensation with an injury date prior to the date the employer commences as a self-insurer are to be lodged with WorkSafe Agent within 10 days after the claim is received by the employer. If a claim relates to an injury that straddles the body corporate s status as scheme-insured and self-insured, (e.g., the injury arose through gradual process), it is the date of injury that will be relevant in determining whether the employer is liable for the claim. If the date of injury is determined to be during the period the employer is self-insured, the employer is liable to pay compensation or other payments. The date of injury for gradual process claims and apportioning liability between scheme-insurance and self-insurance is determined in accordance with the general approach taken under the WIRC Act 32 b) an employer is required to document its claims management policies, provide these policies to WorkSafe and make the policies readily available to its workers by the date the employer commences as a self-insurer. Where an injured worker has an active tail claim, the worker must also be notified of the claims management arrangements with WorkSafe Agent. For further information on claims management policies, refer to paragraph of this document 31 In certain circumstances, the ACA may apply. 32 In certain circumstances, the ACA may apply. Page 23 of 40

24 c) an employer is required to have appropriate and sufficient resources in place for the administration and management of its claims and to satisfy its legislative obligations as an employer and as a self-insurer under the WIRC Act. For further information on resources, refer to paragraph of this document d) as soon as is practicable after the employer is approved as a self-insurer, WorkSafe will provide the employer with a list and details of all open workplaces registered in ACCtion for the body corporate. To facilitate the registration of workplace(s) in WorkSafe s Self-insurance Management Online (SIMON) system, the employer is required to: review and confirm or update existing details, including the address and WorkCover Industry Classification (WIC) of each workplace; and include any other relevant data or information as may be determined by WorkSafe at the time. Once the updated details have been received and assessed by WorkSafe, WorkSafe will register the workplaces in SIMON and seek final confirmation from the employer. It should be noted that where WIC allocation issues arise, they must be resolved as soon as practicable and prior to the date the employer commences as a self-insurer e) following the employer s commencement as a self-insurer, the employer must report claims associated with the employer in accordance with the requirements of WorkSafe. Only claims incurred since the self-insurance commencement date are to be reported by the employer. Claims belonging to the employer cannot be accepted in a claims submission until the employer and its workplaces are registered in SIMON f) an employer must have in force by the date the employer commences as a selfinsurer a contract of insurance in respect of its contingent liabilities in accordance with subsection 393(1)(b) of the WIRC Act. For further information on contingent liability insurance, refer to paragraph of this document g) the employer must hold a statutory contract of insurance up until the date the employer commences as a self-insurer. For further information on the termination of a statutory contract of insurance, refer to paragraph of this document; and Page 24 of 40

25 h) on and from the date the employer commences as a self-insurer, the employer must ensure that all workplaces of the employer display the If you are injured poster identifying the employer as the point of contact and the poster is in a form approved by WorkSafe. 4.3 Requirements if the employer s eligible subsidiary is a former self-insurer In limited circumstances, an employer s eligible subsidiary may be a former selfinsurer 33 (eligible subsidiary). In addition to the requirements covered in paragraph 4.2 of this document, the tail claims of a former self-insurer will be assumed by WorkSafe from the date that the eligible subsidiary ceases to be a self-insurer (exit date). The exit date will coincide with the date when an employer s approval as a self-insurer takes effect. The eligible subsidiary remains liable for, and responsible for the management of its tail claims as defined under subsection 395(4) of the WIRC Act until the exit date. The eligible subsidiary must continue to meet all obligations under the WIRC Act until its approval as a self-insurer has been revoked by WorkSafe. For details in relation to the revocation of the eligible subsidiary s approval as a selfinsurer is covered in Appendix D. For the requirements that must be met by the eligible subsidiary upon ceasing as a selfinsurer, refer to External Guideline #18 Requirements for ceased self-insurers. 4.4 WorkSafe requirements The activities undertaken by WorkSafe (or WorkSafe Agent) when an employer elects not to assume the liability and management of its tail claims are as follows: a) in consultation with the employer, WorkSafe will appoint a Worksafe Agent to manage the tail claims of the employer. Usually WorkSafe Agent with which the employer held a statutory contract of insurance will manage the tail claims b) WorkSafe Agent will contact the employer to confirm its administrative and management arrangements with respect to the tail claims of the employer; and c) no later than 10 working days prior to the employer commencing as a self-insurer, WorkSafe Agent will notify the injured workers of the employer and service providers regarding the administrative and claims management arrangements in respect of the employer s tail claims. 33 Former self-insurer is defined in the glossary (see Appendix A). Page 25 of 40

Actuarial assessment of self-insurance liabilities

Actuarial assessment of self-insurance liabilities External Guideline # 5 Actuarial assessment of self-insurance liabilities Version 4 1 1 April 2015 Page 1 of 12 Contents 1. Purpose... 3 2. Contents of the valuation report... 3 3. Compliance... 6 4. Presentation

More information

A Guide to the Workplace Injury Rehabilitation and Compensation Act 2013. Edition No. 1 2014

A Guide to the Workplace Injury Rehabilitation and Compensation Act 2013. Edition No. 1 2014 A Guide to the Workplace Injury Rehabilitation and Compensation Act 2013 Edition No. 1 2014 Contents FOREWORD 1 INTRODUCTION 2 HOW TO USE THIS GUIDE 2 Finding key provisions within the Workplace Injury

More information

28/08/2014. The Structure Workplace Injury Rehabilitation and Compensation Act 2013 Act of Parliament

28/08/2014. The Structure Workplace Injury Rehabilitation and Compensation Act 2013 Act of Parliament 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

More information

LICENSING POLICY OF THE WORKCOVER AUTHORITY FOR SELF-INSURERS AND GROUP SELF INSURERS LICENSED UNDER SECTION 211 OF THE WORKERS COMPENSATION ACT, 1987

LICENSING POLICY OF THE WORKCOVER AUTHORITY FOR SELF-INSURERS AND GROUP SELF INSURERS LICENSED UNDER SECTION 211 OF THE WORKERS COMPENSATION ACT, 1987 LICENSING POLICY OF THE WORKCOVER AUTHORITY FOR SELF-INSURERS AND GROUP SELF INSURERS LICENSED UNDER SECTION 211 OF THE WORKERS COMPENSATION ACT, 1987 Self-insurance relieves an employer or corporate group

More information

Health & Safety Law. Part 2: Workers Compensation Law & Injury Management. Workers Compensation Law

Health & Safety Law. Part 2: Workers Compensation Law & Injury Management. Workers Compensation Law Health & Safety Law Part 2: Workers Compensation Law & Injury Management Workers Compensation Law The Accident Compensation Act 1985; Accident Compensation (WorkCover Insurance) Act 1993; and, Workers

More information

WORKERS COMPENSATION AND REHABILITATION REGULATION 2003

WORKERS COMPENSATION AND REHABILITATION REGULATION 2003 Queensland Subordinate Legislation 2003 No. 119 Workers Compensation and Rehabilitation Act 2003 WORKERS COMPENSATION AND REHABILITATION REGULATION 2003 TABLE OF PROVISIONS Section Page PART 1 PRELIMINARY

More information

SCHEDULE 3 Generalist Claims 2015

SCHEDULE 3 Generalist Claims 2015 SCHEDULE 3 Generalist Claims 2015 Nominal Insurer And Schedule 3 (Claims) Page: 1 of 23 Contents Overview... 3 1. Scope of Services... 4 1.1 Claims Services... 4 1.2 Claims Process... 5 1.3 Assessment

More information

Insurer audit manual

Insurer audit manual Insurer audit manual Disclaimer This publication may contain work health and safety and workers compensation information. It may include some of your obligations under the various legislations that WorkCover

More information

Claims management policies for self-insurers

Claims management policies for self-insurers External Guideline #16 Claims management policies for self-insurers Version 6 1 April 2015 Page 1 of 52 Contents 1. Introduction... 3 2. Victorian workers compensation legislation... 3 3. Principles in

More information

NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN

NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN In return for the payment of the premium and subject to all terms of this Policy, we agree with you as follows. GENERAL

More information

in the Northern Territory

in the Northern Territory 23 JUNE 2011 WORKERS COMPENSATION BEST PRACTICE GUIDELINES for APPROVED INSURERS and SELF INSURERS in the Northern Territory Workers Compensation NT WorkSafe is the administrative arm of the Work Health

More information

Small Business Grants (Employment Incentive) Act 2015 No 14

Small Business Grants (Employment Incentive) Act 2015 No 14 New South Wales Small Business Grants (Employment Incentive) Act 2015 No 14 Contents Page Part 1 Part 2 Preliminary 1 Name of Act 2 2 Commencement 2 3 Object of Act 2 4 Definitions 2 Grant scheme 5 Grant

More information

NSW Self Insurance Corporation Amendment (Home Warranty Insurance) Act 2010 No 30

NSW Self Insurance Corporation Amendment (Home Warranty Insurance) Act 2010 No 30 New South Wales NSW Self Insurance Corporation Amendment (Home Warranty Insurance) Contents Page 1 Name of Act 2 2 Commencement 2 Schedule 1 Amendment of NSW Self Insurance Corporation Act 2004 No 106

More information

RURAL VMO/HMO CONTRACT OF LIABILITY COVERAGE (INCLUDING PRIVATE INPATIENT INDEMNITY COVER)

RURAL VMO/HMO CONTRACT OF LIABILITY COVERAGE (INCLUDING PRIVATE INPATIENT INDEMNITY COVER) RURAL VMO/HMO CONTRACT OF LIABILITY COVERAGE (INCLUDING PRIVATE INPATIENT INDEMNITY COVER) THIS CONTRACT is made on the day of 2006, BETWEEN (insert the name of public health organisation) ("the PHO")

More information

MINISTERIAL DIRECTIONS INDEX. Direction Title Page

MINISTERIAL DIRECTIONS INDEX. Direction Title Page MINISTERIAL DIRECTIONS INDEX Direction Title Page 1. Preamble 1 2. Objectives of these Directions 1 3. Definitions 1 4. Application of these Directions 3 5. Contents of the application and supporting 3

More information

WORKCOVER WA REVIEW OF THE WORKERS COMPENSATION AND INJURY MANAGEMENT ACT 1981 FINAL REPORT

WORKCOVER WA REVIEW OF THE WORKERS COMPENSATION AND INJURY MANAGEMENT ACT 1981 FINAL REPORT Mr Chris White A/Chief Executive Officer WorkCover WA 2 Bedbrook Place Shenton Park WA 6009 31 July 2014 Dear Mr White WORKCOVER WA REVIEW OF THE WORKERS COMPENSATION AND INJURY MANAGEMENT ACT 1981 FINAL

More information

Review of Self-Insurance Arrangements in Victoria Report of the Self-Insurance Review Team August 2005

Review of Self-Insurance Arrangements in Victoria Report of the Self-Insurance Review Team August 2005 Review of Self-Insurance Arrangements in Victoria Report of the Self-Insurance Review Team August 2005 2005 Victorian Workcover Authority About this Report This report presents the outcomes of the Victorian

More information

GUIDELINES FOR CLAIMS FOR COMPENSATION FOLLOWING THE DEATH OF A WORKER

GUIDELINES FOR CLAIMS FOR COMPENSATION FOLLOWING THE DEATH OF A WORKER GUIDELINES FOR CLAIMS FOR COMPENSATION FOLLOWING THE DEATH OF A WORKER Release Date: 1 July 2014 Contact Person: Greta Madsen Contact Number: 03 9641 1830 Effective Date: 1 July 2014 1 Contents PREAMBLE...

More information

Workers Compensation Amendment (Transitional) Regulation 2012

Workers Compensation Amendment (Transitional) Regulation 2012 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

More information

About us. Your injured worker s recovery and return to work is a team effort. It involves you, your WorkSafe Agent, your worker and their doctor.

About us. Your injured worker s recovery and return to work is a team effort. It involves you, your WorkSafe Agent, your worker and their doctor. 1. About us Your injured worker s recovery and return to work is a team effort. It involves you, your WorkSafe Agent, your worker and their doctor. About WorkSafe Victoria WorkSafe Victoria (WorkSafe)

More information

GOVERNANCE COMMITTEE 16 JULY 2014

GOVERNANCE COMMITTEE 16 JULY 2014 23 GOVERNANCE COMMITTEE 16 JULY 2014 3 STATE GOVERNMENT LEGISLATIVE REVIEW - WORK HEALTH & SAFETY ACT 2011; WORK HEALTH AND SAFETY REGULATION 2011; WORKERS COMPENSATION AND REHABILITATION ACT AND WORKERS

More information

10 LC 36 1527 A BILL TO BE ENTITLED AN ACT

10 LC 36 1527 A BILL TO BE ENTITLED AN ACT House Bill 1101 By: Representatives Coan of the 101 st, Marin of the 96 th, Smith of the 129 th, Horne of the 71 st, Dawkins-Haigler of the 93 rd, and others A BILL TO BE ENTITLED AN ACT 1 2 3 4 5 6 7

More information

Monash University. Novated Lease Vehicle Policy

Monash University. Novated Lease Vehicle Policy Novated Lease Vehicle Policy Please note: changes and modifications to this policy and its attachments may occur from time to time without prior notice. It is encouraged that you review the policy on the

More information

ANNEXURE TO Australian Standard Minor Works Contract Conditions (Superintendent Administered) AS 4905 2002. Part A

ANNEXURE TO Australian Standard Minor Works Contract Conditions (Superintendent Administered) AS 4905 2002. Part A ANNEXURE TO Australian Standard Minor Works Contract Conditions (Superintendent Administered) AS 4905 2002 Part A This Annexure shall be completed and issued as part of tender documents and subject to

More information

Terms and Conditions of Offer and Contract (Works & Services) Conditions of Offer

Terms and Conditions of Offer and Contract (Works & Services) Conditions of Offer Conditions of Offer A1 The offer documents comprise the offer form, letter of invitation to offer (if any), these Conditions of Offer and Conditions of Contract (Works & Services), the Working with Queensland

More information

Accident Compensation Act

Accident Compensation Act Accident Compensation Act Changes to the Accident Compensation Act 1985 explained Edition No. 1 March 2010 Contents Introduction 1 Overview of changes 2 Key changes Workers entitlement to compensation

More information

GENERAL CONDITIONS OF CONTRACT MINOR WORKS AND SERVICES

GENERAL CONDITIONS OF CONTRACT MINOR WORKS AND SERVICES GENERAL CONDITIONS OF CONTRACT MINOR WORKS AND SERVICES GENERAL CONDITIONS OF CONTRACT FOR MINOR WORKS PAGE 1 BASE D ON WA LOCAL GOVERNMENT ASSOCIATION MODEL 2010 TABLE OF CONTENTS 1 INTERPRETATION 2 RISE

More information

Claim Estimates and WorkSafe Premiums

Claim Estimates and WorkSafe Premiums Claim Estimates and WorkSafe Premiums Introduction For employers with annual rateable remuneration of over $200,000 premiums for WorkSafe insurance are calculated taking into account their claims performance

More information

Motor Accidents Compensation Amendment Act 2006 No 17

Motor Accidents Compensation Amendment Act 2006 No 17 New South Wales Motor Accidents Compensation Amendment Act 2006 No 17 Contents Page 1 Name of Act 2 2 Commencement 2 3 Amendment of Motor Accidents Compensation Act 1999 No 41 2 4 Consequential amendments

More information

Private Health Insurance (Prudential Supervision) Rules 2015

Private Health Insurance (Prudential Supervision) Rules 2015 Private Health Insurance (Prudential Supervision) Rules 2015 I, Ian Laughlin, delegate of APRA make these Rules under subsection 174(1) of the Private Health Insurance (Prudential Supervision) Act 2015.

More information

DEECD Corporate WorkSafe policy guide January 2013

DEECD Corporate WorkSafe policy guide January 2013 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

More information

ASBESTOS COMPENSATION IN TASMANIA A GUIDE

ASBESTOS COMPENSATION IN TASMANIA A GUIDE 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

More information

2 COMMENCEMENT DATE 5 3 DEFINITIONS 5 4 MATERIALITY 8. 5 DOCUMENTATION 9 5.1 Requirement for a Report 9 5.2 Content of a Report 9

2 COMMENCEMENT DATE 5 3 DEFINITIONS 5 4 MATERIALITY 8. 5 DOCUMENTATION 9 5.1 Requirement for a Report 9 5.2 Content of a Report 9 PROFESSIONAL STANDARD 300 VALUATIONS OF GENERAL INSURANCE CLAIMS INDEX 1 INTRODUCTION 3 1.1 Application 3 1.2 Classification 3 1.3 Background 3 1.4 Purpose 4 1.5 Previous versions 4 1.6 Legislation and

More information

Ministerial Directions under section 104A

Ministerial Directions under section 104A Accident Compensation Act 1985 Ministerial Directions under section 104A I, Robert Graham Cameron, Minister for WorkCover, hereby issue the attached Ministerial Directions under section 104A of the Accident

More information

GIO Workers Compensation. New South Wales Insurance Policy

GIO Workers Compensation. New South Wales Insurance Policy GIO Workers Compensation New South Wales Insurance Policy Part 1 Preliminary 1. Definitions In this policy: Employer means the person insured under this Policy, being the person named as the Employer in

More information

Workers Compensation (Default Insurance Fund) Amendment Act 2009 (No 2)

Workers Compensation (Default Insurance Fund) Amendment Act 2009 (No 2) Australian Capital Territory Workers Compensation (Default Insurance Fund) Amendment Act 2009 (No 2) Contents Page 1 Name of Act 2 2 Commencement 2 3 Legislation amended 2 4 Section 13 3 5 DI fund manager

More information

Accident Compensation (Common Law and Benefits) Bill

Accident Compensation (Common Law and Benefits) Bill ARTYUR ROBll,lSQN ~ HEDDERWlCKS UBfW~Y Accident Compensation (Common Law and Benefits) Bill As Sent Print EXPLANATORY MEMORANDUM Clause 1 Clause 2 Clause 3 Clause 4 sets out the purpose of the Bill. provides

More information

NATIONAL INSURANCE BROKERS ASSOCIATION OF AUSTRALIA (NIBA) Submission to WorkCover Western Australia. Legislative Review 2013

NATIONAL INSURANCE BROKERS ASSOCIATION OF AUSTRALIA (NIBA) Submission to WorkCover Western Australia. Legislative Review 2013 NATIONAL INSURANCE BROKERS ASSOCIATION OF AUSTRALIA (NIBA) ABOUT NIBA Submission to WorkCover Western Australia Legislative Review 2013 February 2014 NIBA is the peak body of the insurance broking profession

More information

VMO/HMO CONTRACT OF LIABILITY COVERAGE PUBLIC PATIENTS & PRIVATE PAEDIATRIC IN PATIENTS

VMO/HMO CONTRACT OF LIABILITY COVERAGE PUBLIC PATIENTS & PRIVATE PAEDIATRIC IN PATIENTS VMO/HMO CONTRACT OF LIABILITY COVERAGE PUBLIC PATIENTS & PRIVATE PAEDIATRIC IN PATIENTS THIS CONTRACT is made on the day of 2005, BETWEEN (insert the name of public health organisation) ("the PHO") AND

More information

TERMS OF BUSINESS FOR THE SUPPLY OF TEMPORARY CONTRACTORS

TERMS OF BUSINESS FOR THE SUPPLY OF TEMPORARY CONTRACTORS Initi8 Recruitment Ltd 43 Eagle Street, London WC1R 4AJ Registered office: Churchill house, 120 Bunns lane, London, NW7 2AS Company number: 6339462 VAT: 935 8240 11 TERMS OF BUSINESS FOR THE SUPPLY OF

More information

MEDICAL PRACTITIONERS SEEKING APPROVAL AS INDEPENDENT MEDICAL EXAMINERS - GENERAL PRACTITIONERS

MEDICAL PRACTITIONERS SEEKING APPROVAL AS INDEPENDENT MEDICAL EXAMINERS - GENERAL PRACTITIONERS MEDICAL PRACTITIONERS SEEKING APPROVAL AS INDEPENDENT MEDICAL EXAMINERS - GENERAL PRACTITIONERS 1. Personal Details What is your medical specialty (if any)? Title: Dr Mr Mrs Ms Other (please specify) Family

More information

Purchase Order Terms and Conditions

Purchase Order Terms and Conditions Purchase Order Terms and Conditions BGC Contracting Date As per Purchase Order 1. Definitions BGC means the BGC entity named in the Purchaser Order its authorised agents, employees, heirs and successors.

More information

CIVIL LITIGATION ASSISTANCE SCHEME CONDITIONS OF ASSISTANCE

CIVIL LITIGATION ASSISTANCE SCHEME CONDITIONS OF ASSISTANCE APPLICATION CIVIL LITIGATION ASSISTANCE SCHEME CONDITIONS OF ASSISTANCE 1. Applications for funding under the Civil Litigation Assistance Scheme can only be submitted through a private legal practitioner

More information

One of the Australian Government s core economic policy objectives is improving Australia s productive capacity.

One of the Australian Government s core economic policy objectives is improving Australia s productive capacity. Outcome 4: Safer, fairer and more productive workplaces for employers and employees by promoting and supporting the adoption of fair and flexible workplace arrangements and safer working arrangements Outcome

More information

Service Level Commitment to Insured Employers

Service Level Commitment to Insured Employers Service Level Commitment to s Hotel Employers Mutual Ltd ABN 34124091470 Hotel Employers Mutual Limited(HEM) is the specialised insurer for the hospitality industry and it is our objective to provide our

More information

Scheme Rules. The JLT (Schools PA) Discretionary Trust Arrangement. Distinctive. Choice. JLT GROUP SERVICES PTY LTD

Scheme Rules. The JLT (Schools PA) Discretionary Trust Arrangement. Distinctive. Choice. JLT GROUP SERVICES PTY LTD Scheme Rules The JLT (Schools PA) Discretionary Trust Arrangement Distinctive. Choice. JLT GROUP SERVICES PTY LTD Version (SchoolsPA) 2014 Distinctive Choice JLT is an international group of Risk Specialists

More information

4123-17-15 Professional employer organizations.

4123-17-15 Professional employer organizations. 4123-17-15 Professional employer organizations. (A) Definitions. As used in rules 4123-17-15 to 4123-17-15.7 of the Administrative Code: (1) "Professional employer organization" or "PEO" has the same meaning

More information

CLAIMS HANDLING GUIDELINES. for CTP Insurers

CLAIMS HANDLING GUIDELINES. for CTP Insurers CLAIMS HANDLING GUIDELINES for CTP Insurers Initially issued 2000 Reissued: 1 July 2004; 18 September 2006; 1 July 2008; 1 October 2008, 1 May 2014 INTRODUCTION The MAA Claims Handling Guidelines (the

More information

Comcare, the Safety, Rehabilitation and Compensation Commission, and the Seafarers Safety, Rehabilitation and Compensation Authority

Comcare, the Safety, Rehabilitation and Compensation Commission, and the Seafarers Safety, Rehabilitation and Compensation Authority Comcare, the Safety, Rehabilitation and Compensation Commission, and the Seafarers Safety, Rehabilitation and Compensation Authority Agency Resources and Planned Performance COMCARE, THE SAFETY, REHABILITATION

More information

TEMPLE LITIGATION ADVANTAGE INSURANCE FOR DISBURSEMENTS AND OPPONENT S COSTS Certificate of Insurance

TEMPLE LITIGATION ADVANTAGE INSURANCE FOR DISBURSEMENTS AND OPPONENT S COSTS Certificate of Insurance TEMPLE LITIGATION ADVANTAGE INSURANCE FOR DISBURSEMENTS AND OPPONENT S COSTS Certificate of Insurance In return for the payment of the Premium specified in the Schedule and based on any Information that

More information

DIVISION 2 WORKER S COMPENSATION

DIVISION 2 WORKER S COMPENSATION DIVISION 2 WORKER S COMPENSATION CHAPTER 10 WORKER S COMPENSATION COMMISSION 10100. Reports: Forms Authorized. 10101. Same: Forms Prescribed and Authorized. 10102. Notices and Reports May be Filed With

More information

The Installation, Maintenance and Removal of Data Logging Equipment on Scottish Water s Water Revenue Meters. Terms and Conditions

The Installation, Maintenance and Removal of Data Logging Equipment on Scottish Water s Water Revenue Meters. Terms and Conditions The Installation, Maintenance and Removal of Data Logging Equipment on Scottish Water s Water Revenue Meters Terms and Conditions Terms and Conditions Data Logging Activities This document sets out the

More information

(INDIVIDUALS ONLY) IndContPkge Version: 1.7 Updated: 18 Jul. 03

(INDIVIDUALS ONLY) IndContPkge Version: 1.7 Updated: 18 Jul. 03 INDEPENDENT CONTRACTOR PACKAGE (INDIVIDUALS ONLY) IndContPkge Version: 1.7 Updated: 18 Jul. 03 Contents Preface 2 Checklist 3 Helpful Hints 4 Frequently Asked Questions 5 Agreement with an Independent

More information

Workers Rehabilitation and Compensation (Scheme Review) Amendment Act 2008

Workers Rehabilitation and Compensation (Scheme Review) Amendment Act 2008 No 17 of 2008 assented to 19.6.2008 South Australia Workers Rehabilitation and Compensation (Scheme Review) Amendment Act 2008 An Act to amend the Workers Rehabilitation and Compensation Act 1986. Contents

More information

Building Work Contractors Act 1995

Building Work Contractors Act 1995 Version: 21.11.2015 South Australia Building Work Contractors Act 1995 An Act to regulate building work contractors and the supervision of building work; and for other purposes. Contents Part 1 Preliminary

More information

Motor Accidents Compensation Amendment (Claims and Dispute Resolution) Act 2007 No 95

Motor Accidents Compensation Amendment (Claims and Dispute Resolution) Act 2007 No 95 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

More information

Accident Compensation Amendment Act March 2010

Accident Compensation Amendment Act March 2010 C Circulate to: A Assistance BIZassistInfoline: 1300 78 38 44 Or email: bizassistinfoline@aigroup.asn.au Accident Compensation Amendment Act March 2010 Background On 10 December 2007, the Victorian Government

More information

WORKERS REHABILITATION AND COMPENSATION AMENDMENT BILL 2007

WORKERS REHABILITATION AND COMPENSATION AMENDMENT BILL 2007 TASMANIA WORKERS REHABILITATION AND COMPENSATION AMENDMENT BILL 2007 PART 1 PRELIMINARY 1. Short title 2. Commencement CONTENTS PART 2 WORKERS REHABILITATION AND COMPENSATION ACT 1988 AMENDED 3. Principal

More information

Insurance Premiums Order 2015 2016

Insurance Premiums Order 2015 2016 Miscellaneous Instruments New South Wales Insurance Premiums Order 2015 2016 under the Workers Compensation Act 1987 His Excellency the Governor, with the advice of the Executive Council and on the recommendation

More information

Steadfast Client Broker Agreement (Wholesale Broker) [Steadfast member] and GSA Insurance Brokers Pty Ltd

Steadfast Client Broker Agreement (Wholesale Broker) [Steadfast member] and GSA Insurance Brokers Pty Ltd Steadfast Client Broker Agreement (Wholesale Broker) [Steadfast member] and GSA Insurance Brokers Pty Ltd Table of contents Parties... 1 Background... 1 Operative provisions... 1 1 Licence and registration...

More information

$!"#$% Gazette Notice. Workers Compensation and Rehabilitation Act 2003 (Q)

$!#$% Gazette Notice. Workers Compensation and Rehabilitation Act 2003 (Q) $!"#$% Gazette Notice Workers Compensation and Rehabilitation Act 2003 (Q) WorkCover Queensland Notice (No. 1) of 2015 !"#$% $1 Table of Contents WorkCover Queensland Notice (No. 1) of 2015... 4 Part 1

More information

Workers Compensation (Insurance Premiums) Amendment (Premium Discount Scheme) Regulation 2001

Workers Compensation (Insurance Premiums) Amendment (Premium Discount Scheme) Regulation 2001 New South Wales Workers Compensation (Insurance Premiums) Amendment (Premium under the Workers Compensation Act 1987 and Workplace Injury Management and Workers Compensation Act 1998 Her Excellency the

More information

TERMS OF BUSINESS FOR THE INTRODUCTION OF PERMANENT OR CONTRACT STAFF TO BE DIRECTLY EMPLOYED BY THE CLIENT

TERMS OF BUSINESS FOR THE INTRODUCTION OF PERMANENT OR CONTRACT STAFF TO BE DIRECTLY EMPLOYED BY THE CLIENT TERMS OF BUSINESS FOR THE INTRODUCTION OF PERMANENT OR CONTRACT STAFF TO BE DIRECTLY EMPLOYED BY THE CLIENT 1 DEFINITIONS 1.1 In these Terms of Business the following definitions apply: Applicant Client

More information

GIO Workers Compensation Australian Capital Territory

GIO Workers Compensation Australian Capital Territory GIO Workers Compensation Australian Capital Territory Injury Management Program ACT Injury Management Program This document is a guide for employers and workers to understand the framework of Injury Management

More information

PUBLIC ENTITY RISK MANAGEMENT AUTHORITY MEMORANDUM OF WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE

PUBLIC ENTITY RISK MANAGEMENT AUTHORITY MEMORANDUM OF WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE PUBLIC ENTITY RISK MANAGEMENT AUTHORITY MEMORANDUM OF WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE FOR THE PERIOD JULY 1, 2015 TO JUNE 30, 2016 EFFECTIVE: JULY 1, 2015 PUBLIC ENTITY RISK MANAGEMENT

More information

Workers Compensation (Dust Diseases) Act 1942 No 14

Workers Compensation (Dust Diseases) Act 1942 No 14 New South Wales Workers Compensation (Dust Diseases) Act 1942 No 14 Status information Currency of version Historical version for 7 December 2010 to 31 July 2012 (generated 6 August 2012 at 09:31). Legislation

More information

ILARS POLICY Funding of applications by injured workers to pursue claims for compensation

ILARS POLICY Funding of applications by injured workers to pursue claims for compensation 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

More information

Education Services for Overseas Students Act 2000

Education Services for Overseas Students Act 2000 Education Services for Overseas Students Act 2000 Act No. 164 of 2000 as amended This compilation was prepared on 17 December 2008 taking into account amendments up to Act No. 144 of 2008 The text of any

More information

PERSONAL ALERT SYSTEMS REBATE SCHEME PROVIDER PANER DEED

PERSONAL ALERT SYSTEMS REBATE SCHEME PROVIDER PANER DEED DATED DAY OF 2015 PERSONAL ALERT SYSTEMS REBATE SCHEME PROVIDER PANER DEED between MINISTER FOR COMMUNITIES AND SOCIAL INCLUSION - and - [INSERT PARTY NAME] ACN [INSERT] Page 1 of 1 TABLE OF CONTENTS BACKGROUND...

More information

EMPLOYEE BENEFITS LIABILITY COVERAGE

EMPLOYEE BENEFITS LIABILITY COVERAGE POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CG 04 35 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS-MADE COVERAGE.

More information

Standard conditions of purchase

Standard conditions of purchase Standard conditions of purchase 1 OFFER AND ACCEPTANCE 2 PROPERTY, RISK & DELIVERY 3 PRICES & RATES The Supplier shall provide all Goods and Services in accordance with the terms and conditions set out

More information

Essex Recruitment Services: Terms of Engagement of Limited Company Contractors to Supply Workers to Clients (Opted Out) 1. Definitions 1.

Essex Recruitment Services: Terms of Engagement of Limited Company Contractors to Supply Workers to Clients (Opted Out) 1. Definitions 1. Essex Recruitment Services: Terms of Engagement of Limited Company Contractors to Supply Workers to Clients (Opted Out) 1. Definitions 1.1 In these terms of engagement the following definitions apply:-

More information

New-Gen Electrical (ABN 11 514 699 805) Terms & Conditions

New-Gen Electrical (ABN 11 514 699 805) Terms & Conditions ACRS Lic No. A021974 Lic No. 192237C New-Gen Electrical (ABN 11 514 699 805) Terms & Conditions *Definitions are in clause 19 1. FORMATION OF AGREEMENT 1.1 Acceptance of Quotation The Customer must accept

More information

WORKCOVER QUEENSLAND AMENDMENT BILL 2002

WORKCOVER QUEENSLAND AMENDMENT BILL 2002 1 WORKCOVER QUEENSLAND AMENDMENT BILL 2002 EXPLANATORY NOTES GENERAL OUTLINE Objectives of the legislation To provide for miscellaneous amendments to the WorkCover Queensland Act 1996. Reason for the Bill

More information

Public Record Office Standard. Retention & Disposal Authority for Records of the Transport Accident Prevention and Assistance Functions

Public Record Office Standard. Retention & Disposal Authority for Records of the Transport Accident Prevention and Assistance Functions Public Record Office Standard PROS 14/01 Authority Retention & Disposal Authority for Records of the Transport Accident Prevention and Assistance Functions Version 2014 14/01 Issue Date: 15/08/2014 Copyright

More information

WorkCover Guidelines for Claiming Compensation Benefits

WorkCover Guidelines for Claiming Compensation Benefits 4340 SPECIAL SUPPLEMENT 8 October 2013 WorkCover Guidelines for Claiming Compensation Benefits Workers Compensation Act 1987 Workplace Injury Management and Workers Compensation Act 1998 I, Julie Newman,

More information

You have retained us and we hereby agree to serve as your advertising agency in accordance with and subject to the following terms and conditions:

You have retained us and we hereby agree to serve as your advertising agency in accordance with and subject to the following terms and conditions: Contract Between an Advertising Agency and Advertiser Form #8 (Fee v. Commission) Date: [Client] [Address] Gentlemen: You have retained us and we hereby agree to serve as your advertising agency in accordance

More information

ALLIED HEALTH PRACTITIONERS SEEKING APPROVAL AS INDEPENDENT MEDICAL EXAMINERS

ALLIED HEALTH PRACTITIONERS SEEKING APPROVAL AS INDEPENDENT MEDICAL EXAMINERS ALLIED HEALTH PRACTITIONERS SEEKING APPROVAL AS INDEPENDENT MEDICAL EXAMINERS TRANSPORT ACCIDENT COMMISSION 1. Application Directed To Transport Accident Commission (TAC) WorkSafe Victoria (WorkSafe) Both

More information

ANGUS COUNCIL SUPPLEMENTARY CONDITIONS OF CONTRACT. SC 01 - Contract Performance Guarantee Insurance

ANGUS COUNCIL SUPPLEMENTARY CONDITIONS OF CONTRACT. SC 01 - Contract Performance Guarantee Insurance SC 01 - Contract Performance Guarantee Insurance For contracts equal to or exceeding 750,000 in value the Contractor shall, within 28 days of the date of the award of the Contract, obtain and provide to

More information

Compensation Compliance and Enforcement Policy

Compensation Compliance and Enforcement Policy Information about Compensation Compliance November 2010 Contents About WorkSafe 1 Our vision 1 Our mission 1 Our values 1 Compensation Compliance 2 WorkSafe s role 2 Victoria s accident compensation laws

More information

understanding your workers compensation accident insurance policy A guide to your policy cover and conditions

understanding your workers compensation accident insurance policy A guide to your policy cover and conditions understanding your workers compensation accident insurance policy A guide to your policy cover and conditions AIPG May 2015 contents About WorkCover Queensland 3 About your accident insurance policy 3

More information

Civil Law (Wrongs) (Proportionate Liability and Professional Standards) Amendment Act 2004

Civil Law (Wrongs) (Proportionate Liability and Professional Standards) Amendment Act 2004 Australian Capital Territory Civil Law (Wrongs) (Proportionate Liability and Professional Standards) Amendment Act 2004 Contents Page 1 Name of Act 2 2 Commencement 2 3 Legislation amended 2 4 New chapter

More information

General Terms of Public Procurement in Service Contracts JYSE 2014 SERVICES

General Terms of Public Procurement in Service Contracts JYSE 2014 SERVICES General Terms of Public Procurement in Service Contracts January 2015 Contents Introduction...3 Issues to be observed in applying...5 General Terms of Public Procurement in Service Contracts ()...9 1 Definitions...9

More information

Standard Terms of Engagement. and. Terms of Business

Standard Terms of Engagement. and. Terms of Business Standard Terms of Engagement and Terms of Business Contents 1. Standard Terms of Engagement of Keirs Carr... 4 1.1 Accounting Services... 4 Accounting Services... 4 Compilation of Financial Statements...

More information

Land Acquisition (Just Terms Compensation) Act 1991 No 22

Land Acquisition (Just Terms Compensation) Act 1991 No 22 New South Wales Land Acquisition (Just Terms Compensation) Act 1991 No 22 Status information Currency of version Current version for 31 January 2011 to date (generated 21 February 2011 at 10:02). Legislation

More information

FACTORING AGREEMENT ARGYLL COMMUNITY HOUSING ASSOCIATION LIMITED

FACTORING AGREEMENT ARGYLL COMMUNITY HOUSING ASSOCIATION LIMITED ARGYLL COMMUNITY HOUSING ASSOCIATION LIMITED This is a FACTORING AGREEMENT between Argyll Community Housing Association Limited, having our registered office at 63-65 Chalmers Street, Ardrishaig, Argyll,

More information

CLINICAL NEGLIGENCE SCHEME FOR TRUSTS

CLINICAL NEGLIGENCE SCHEME FOR TRUSTS CLINICAL NEGLIGENCE SCHEME FOR TRUSTS MEMBERSHIP RULES April 2001 (Revised 1 May 2014 following the coming into force of The National Health Service (Clinical Negligence Scheme) (Amendment) Regulations

More information

PRIME MINISTER A NEW MEDICAL INDEMNITY INSURANCE FRAMEWORK

PRIME MINISTER A NEW MEDICAL INDEMNITY INSURANCE FRAMEWORK PRIME MINISTER A NEW MEDICAL INDEMNITY INSURANCE FRAMEWORK Today I am announcing the Government s package of measures to address rising medical indemnity insurance premiums and ensure a viable and ongoing

More information

STOP GAP EMPLOYERS LIABILITY COVERAGE

STOP GAP EMPLOYERS LIABILITY COVERAGE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. STOP GAP EMPLOYERS LIABILITY COVERAGE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE

More information

Ambulance Victoria Position Description

Ambulance Victoria Position Description Ambulance Victoria Position Description Position Title: Claims Management Coordinator Reports To: Injury & Claims Management Team Leader Division: People & Community Department: Health, Safety & Wellbeing

More information

in line with the worker s capacity for work meaningful provided for the purpose of increasing a worker s capacity for work.

in line with the worker s capacity for work meaningful provided for the purpose of increasing a worker s capacity for work. 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)

More information

CIVIL DISBURSEMENTS FUND GUIDELINES

CIVIL DISBURSEMENTS FUND GUIDELINES CIVIL DISBURSEMENTS FUND GUIDELINES TABLE OF CONTENTS: Introduction... 2 Definition... 2 1. Selection of Cases... 2 2. Assessment of Applications... 2 3. Means Test... 3 4. Merits Test... 4 5. Contribution...

More information

The General Assembly of the Commonwealth of Pennsylvania hereby enacts as follows: CHAPTER 1 PRELIMINARY PROVISIONS

The General Assembly of the Commonwealth of Pennsylvania hereby enacts as follows: CHAPTER 1 PRELIMINARY PROVISIONS PROFESSIONAL EMPLOYER ORGANIZATION ACT Act of Jul. 5, 2012, P.L. 946, No. 102 An Act Cl. 77 Providing for professional employer organizations. TABLE OF CONTENTS Chapter 1. Section 101. Section 102. Section

More information

Managed Fund Service. Terms and Conditions

Managed Fund Service. Terms and Conditions Managed Fund Service Terms and Conditions Important Information These are the Terms and Conditions for your Balkerne Asset Management Managed Fund Service. You are advised to read them carefully. The terms

More information

A glossary for injured workers Who s who in the claims process

A glossary for injured workers Who s who in the claims process 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

More information

Transport Accident (Amendment) Bill

Transport Accident (Amendment) Bill MTHltR RO \'NSON ~ ;-IF.DOERWlCKS '..IBRAR\ Transport Accident (Amendment) Bill As Sent Print EXPLANATORY MEMORANDUM PART I-PRELIMINARY Clause 1 Clause 2 sets out the purposes of the Act. provides for

More information

ALM GL ch. 231C, 1 (2004) 1. Definitions.

ALM GL ch. 231C, 1 (2004) 1. Definitions. For more information please visit Strategic Capital Corporation at www.strategiccapital.com, or contact us at Toll Free: 1-866-256-0088 or email us at info@strategiccapital.com. ANNOTATED LAWS OF MASSACHUSETTS

More information

Terms of Business for Registered Support Providers

Terms of Business for Registered Support Providers Terms of Business for Registered Support Providers The National Disability Insurance Scheme Act 2013 provides for the making of Rules and requirements for registered providers of support. The Rule National

More information

COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM

COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout

More information

STATUTORY INSTRUMENTS. S.I. No. 617 of 2007 THE SOLICITORS ACTS 1954 TO 2002 (PROFESSIONAL INDEMNITY INSURANCE) REGULATIONS 2007

STATUTORY INSTRUMENTS. S.I. No. 617 of 2007 THE SOLICITORS ACTS 1954 TO 2002 (PROFESSIONAL INDEMNITY INSURANCE) REGULATIONS 2007 STATUTORY INSTRUMENTS. S.I. No. 617 of 2007 THE SOLICITORS ACTS 1954 TO 2002 (PROFESSIONAL INDEMNITY INSURANCE) REGULATIONS 2007 (Prn. A7/1680) 2 [617] S.I. No. 617 of 2007 THE SOLICITORS ACTS 1954 TO

More information