THE EMPLOYMENT ACT AND YOU GUIDE FOR EMPLOYEES

Size: px
Start display at page:

Download "THE EMPLOYMENT ACT AND YOU GUIDE FOR EMPLOYEES"

Transcription

1 THE EMPLOYMENT ACT AND YOU GUIDE FOR EMPLOYEES An explanation of your rights, benefits, protection and duties as an employee, under the Norfolk Island Employment Act

2 Norfolk Island has its own law setting out the rights and the duties of employers and employees on the job. It is different from the law anywhere else. It gives you, as an employee, some rights and some duties that you might not have anywhere else. This document is a guide to some of the main points in the Employment Act Copies of the Employment Act 1988 are available at the Public Library, and can be purchased from the Legal Clerk of the Norfolk Island Administration. BEFORE YOU COMMENCE EMPLOYMENT: Contracts of employment Who needs one - If you have a Temporary Entry Permit (T.E.P.) to live on Norfolk Island (or if you are a visitor, intending to apply for a Temporary Entry Permit) you are not allowed to commence a new job on Norfolk Island until you have agreed on, and signed, a written contract of employment with your employer. This contract is private, between you and your employer. Ordinarily it does not cover any set length of time the job is to last, but it covers the main week-to-week conditions of the job. These conditions must meet the Norfolk Island Employment Act minimum standards. Your contract must be approved by an authorised officer. A temporary entry permit will not normally be issued unless you have an approved contract. If you are a resident of Norfolk Island or have a General Entry Permit, you are not required to have a signed contract of employment; but if you would like to have one, you can ask your employer for one, and the law requires your employer to provide a contract within fourteen days. The minimum standards in the Employment Act apply to all employees and employers, whether or not a contract has been signed. The Contract Form - The Employment Contract is a printed form, supplied by the Norfolk Island Administration. After it has been completed and signed, you get one copy and the employer keeps one copy. The form has basic facts that must be completed (i.e. your name and address, the employer s name and address), the date of the contract and the date you are to commence work, the title of your position, details when payday is and how your wages will be paid, and, if board or lodging are included in the job, what their value is. Entitlements - The law states that an employee is entitled to paid public holidays, sick leave, three weeks of paid leave a year and at least one week s notice of termination. An employee must be paid no less that $10.70 an hour in the normal working week, and no less than $16.05 an hour outside the normal working week (based on the minimum wage)

3 - 2 - Details in a Contract - Following are six other points that must be agreed by both parties to the employment contract. Your rate of pay per hour during the normal working week. It can t be less than $10.70 per hour. Your rate of pay per hour outside the normal working week. It does not have to be any different from your rate of pay during the normal working week, but must be not less than $16.05 an hour (based on the minimum wage). Your working hours each week. These can be whatever you and your employer agree on, within certain limits - (a) time worked above 8 hours in any day, or any time worked on more than 40 hours in a week, has to be paid for at no less than $16.05 an hour; (b) no less than once each week, you must be allowed a rest period of at least 24 continuous hours; and (c) if you have agreed to work more than 8 hours a day, or more than 40 hours in the week, you can change your mind and withdraw that part of your agreement by giving your employer at least 7 days written notice, and your employer must accept this change and revise your working hours. The Contract says whether you agree to work on some or all public holidays, and if you do, what the rate of pay is to be. The rate of pay must be double your normal hourly rate of pay or you must get your normal rate and be given another day off with pay. Sick leave and your yearly holiday break. In a year you must be allowed sick leave of the number of days that you would work in an ordinary working week at normal pay. If you don t get sick, and don t use your sick leave it may or may not accrue from year to year, depending on what you and your employer agree on in the Contract. You get three ordinary working weeks off for holiday breaks for each 12 months of continuous service. You can take these at any time agreed on with your employer but there may be some times of the year, specified in the Contract, when holidays are not to be taken. If you don t take your holiday breaks, your entitlements accrue for at least two years - longer, if you and your employer agree on this. When you take your holidays, your employer must pay your holiday pay in advance if you ask for it. Payment for the leave period is calculated on the basis of six percent of the employee s total earnings during the year. When you leave your job, you must be paid for accrued holiday time you have not taken. Notice of termination. If you wish to resign or your employer wishes to dismiss you, the Employment Act requires that at least 7 days written notice be given. If you and your employer both prefer some longer notice, write it in the contract. If you are Under 18 - The minimum wages for people under 18 are less than those shown above. Under 16, the minimum is 75% of the minimum hourly rate ($8.03 per hour). Under 17 years, the minimum is 82.5% of the minimum hourly rate ($8.83 per hour). Under 18 years, the minimum is 91% of the minimum hourly rate ($9.74 per hour)

4 - 3 - People under 15 are not allowed to be employed more than 20 hours a week, and may not be employed between 11.00pm and 6.30am or at any time when they are supposed to be at school. Apart from those restrictions, the requirements of the Employment Act do not apply to youngsters under 15 unless they are employed for more than 3 hours on any one day. Why the Contract is Important - Norfolk Island s Employment Act was passed by the Norfolk Island Legislative Assembly only after several years of study and discussion with both employers and employees. Employment relations on Norfolk were generally good, but problems and disagreements did occur sometimes. Most of these problems occurred for people on Temporary Entry Permits - and occurred because the employer and the employee had different ideas about what was fair. The purpose of a written contract is to set down clearly what the employer expects, and what the employee agrees to do. There should be fewer disagreements about what is Fair later on, when the Contract sets it out in black and white. If your Agreement Changes - Times change, people change, and job requirements and rewards change. If this happens in your job, work out a new, different contract with your employer. The new contract must meet all the minimum standards required by the law and be approved, just as your original contract did. ON THE JOB: Your employer s duties to you Your employer has a legal duty to live up to everything agreed to in your contract. If room or board is included in your contract, your employer may deduct the agreed value of it from your wages, provided you both agree to this in the contract. But nothing else is allowed to be deducted from your wages unless agreed and specified in the contract of employment. There is no pay-as-you-earn tax deduction on Norfolk Island. (Bear in mind though, that you will need to pay the Norfolk Island Government some charges and levies, such as a fee for issuing a Temporary Entry Permit, and the twice-yearly Norfolk Island Healthcare Levy, which insures you against catastrophic medical costs). If there is any other agreed entitlements between both parties it should be stated in the contract of employment (e.g. Airfares, rent or study allowance). Your employer is required to pay the full workers compensation insurance levy covering you on the job. The employer also has a duty to provide you with a working environment that is safe and without risk to your health, and to provide you, without any charge, with any required safety equipment and clothing. Under the Employment Act victimisation is prohibited. This means that you can decline to work overtime if you do not want to (but if you have agreed to do so, in your contract, you must give 7 days written notice of the change); you can lodge complaints (refer to If things go wrong, further in this document; you can commence legal proceedings under the Employment Act; and you can give evidence or provide information in connection with someone else s legal proceedings under

5 - 4 - the Act; - and your employer is prohibited from dismissing you or penalising you in any way because of this. The Employment Act has no provisions governing unions or employer organisations, but prohibits employers from victimising an employee because of activity in connection with any employee organisation, and prohibits employees from victimising an employer because of activity in connection with any employer s organisation. ON THE JOB: Your duties to your employer The most important duty of an employee to any employer - giving a fair value of work in return for fair pay and benefits - is not covered by the Employment Act. That is between you and your employer. But the Act does put some duties on you. Following are the four main duties; You are to be honest in your employment. You are not to be absent from duty during working hours, except for reasonable cause. You are to carry out, and have regard to, any reasonable direction that your employer gives you. You are not to be under the influence of liquor or a drug while on duty or when reporting for duty. If you break any of those four main rules, your employer can dismiss you on the spot, without notice. If you decide to quit, you have a duty to give your employer at least 7 days notice - longer, if you have agreed to a longer notice period on your contract. You have a duty, so far as is practicable, to take care for your own safety and health at work; to take care for the health and safety of anyone else who may be affected by what you do or don t do; and to take care of any safety equipment, special clothing, or uniforms issued to you. If you are sick and can t work, you have a duty to let your employer know as soon as practicable. If the illness keeps you off work longer than one day, you have a duty to check with a doctor and provide a medical certificate to your employer. In addition to the duties just mentioned, you and your employer may agree on other duties, and write them into the contract. It is a courtesy for on-call workers to advise employers of unavailability.

6 - 5 - IF THINGS GO WRONG The Employment Conciliation Board - How it can help you The Employment Conciliation Board sounds very formal - but relax, it is more like having an experienced, impartial adviser you can talk to if you have a problem with your employer and don t know quite what to do about it. There are three Norfolk residents appointed to be members of the Board. They are chosen because they have a good understanding of how employers and employees get on together, without being biased for or against either employees or employers. Any one of them can act as the Board in considering a complaint raised by an employee about his employer - or a complaint raised by an employer about an employee. When you hear the word Board you may think of a place like a courtroom, with people sitting like judges up behind a bench. It s not like that at all. If you have a complaint about your job, you simply phone up, or go and see, any member of the Board, and say what s worrying you. To find out who is on the Board, ring the Norfolk Island Administration on extension 3 and ask to speak to the Employment Liaison Officer. The Officer will give you the name and phone number of the Board s chairman or other members. The Board s job is to consider such complaints, and see if they can be sorted out in a co-operative way. The Board member will talk with you, and probably talk with your employer - perhaps only on the phone. The Board member may ask to sit down with you and your employer to talk about the problem. In discussions with the Board, neither you nor your employer is allowed to be represented by a lawyer, you speak for yourselves. The Board does not have any power to issue orders to anyone. It only has power to try to work problems out in an amicable way, if that can be done. If that works, all well and good. After it has done all it can, the Board issues a Certificate of Result which states the result and any recommendations of the Board. If you are not satisfied and want to carry your complaint further, the Employment Tribunal will hear your case, and it can give orders. A section later in this document tells you more about the Employment Tribunal, and how it works. The Employment Tribunal will not consider a complaint unless you have tried conciliation first and have a Certificate of Result showing that you did. If you do raise a complaint with a member of the Employment Board, your contract of employment will be important. The Board member will probably want to see it, and see exactly what you and your employer have agreed in writing. If the problem you are complaining about is obviously contrary to your contract, the Board member may be able to get it set right very quickly.

7 - 6 - If your employer doesn t keep the bargain Your contract of employment is enforceable and an employer has to live up to it. If you think your employer is failing to keep some promise that was not set out in your contract, that s different. It may be that the Employment Board can help you in such a situation but don t count on it. There may be some aspect of your bargain that is important to you, but is not mentioned in your contract - an understanding about return airfares, for example, or about a pay rise after a certain period. When you are first signing your contract, ask your employer to write any such things in, on the back of the contract form, where there is space for them. If unreasonable demands are made on you Use your common sense, and try to be fair. The boss may be having a bad day, or may be out-ofsorts about something else. Doing some disagreeable assignments is part of almost everybody s work, including the boss s. But if you are given an unreasonable order that really does seem right outside the job you are hired to do, there is nothing wrong in saying so - in a courteous way. If you get sacked or laid off Unless you have an employment contract that guarantees you some minimum period of employment (which is unusual) there is nothing in Norfolk Island law that prevents your employer from giving you notice of dismissal. An employer does not have to give any reason, and does not have to have just cause for ending your employment. However the employer does have to give the amount of notice specified in your contract, and does have to pay you fully for your time and any accrued holiday time you have coming. If you have an accident at work Employees are covered by the Norfolk Island Workers Compensation, which every employer is required to finance at the employer s expense. The Workers Compensation scheme is administered by the Norfolk Island Administration. Briefly, it works as follows. First, note that the scheme covers you only for work-related accidents, disease or disability. That does not include accidents that happen while you are off duty, or while you are on your way to or from work. Nor does it include coverage if you injure yourself intentionally, or if you are incapacitated because of your own serious misconduct, such as being drunk or on drugs. Second, note that the scheme replaces (and eliminates) the old system of taking your employer to court, and suing for damages. It is not necessary to prove that the employer was negligent in any way. Even if there was negligence, your compensation is determined through the workers compensation scheme, not through seeking damages. The amount of compensation depends on how serious the injury or incapacity is. If you are laid up, you continue receiving your usual pay for at least 5 days from your employer. After that, the scheme will continue to pay you up to the maximum allowed under legislation (up to a maximum of 2 years). Your medical expenses on Norfolk Island are covered, and so are overseas transport and medical expenses if the Government Medical Officer refers you offshore for medical treatment.

8 - 7 - If you are permanently disabled, partly or fully, you are also compensated by a lump sum payment according to the degree of disablement. If the accident is fatal, or you are completely and permanently disabled, the sum is currently $198, This amount is indexed with RPI movements. Part 3 of The Employment Act specifies in full detail how the scheme operates. This summary is meant only to give you a general idea. If you should be unfortunate enough to have a serious work-related accident or disease, you should contact the Employment Liaison Officer of the Norfolk Island Administration to discuss your coverage. If you are ill and can t work If you aren t able to report for work let your employer know right away. If you aren t fit to resume work the very next day, ring the Norfolk Island Hospital to see one of the doctors, and in addition to getting treatment if you need it, get a certificate from the doctor to give your employer. Bear in mind that you may be able to do some of your work, if not all, despite an illness or health difficulty. If you ve sprained your ankle it may be impossible for you to be on your feet all day as a shop assistant - but your employer may be glad to have you come to work and sit at a desk, instead, answering the telephone, for example. If you decide to quit The period of notice agreed on in your contract applies to both you and your employer. If you decide to quit your job, give your employer at least as much notice - in writing - as your contract specifies. If you quit without giving notice, you can be docked at least 7 days pay. Your employer must pay you any back wages due, and unused holiday time earned. Assuming you and your employer part company on good terms with each other, it s a good idea to ask for a letter of reference before you leave. It may be valuable to you in getting future jobs elsewhere. The Employment Tribunal If an employee and employer are in dispute, and efforts of he Employment Conciliation Board have failed to bring about an acceptable settlement, the dispute can be taken to the Employment Tribunal. The Employment Tribunal is made up of the same magistrates that compose the Norfolk Island Court of Petty Sessions, but operates under different rules. It is required to act according to equity, good conscience and the substantial merits of the case without regard to technicalities and legal forms. It was designed with the aim of bringing prompt, fair outcome to such disputes. In passing the Employment Act, the Norfolk Island Legislative Assembly believed that promptness in such settlements was particularly important for the protection of employees who have been working on Norfolk Island as Temporary Entry Permit holders, who may not be in a position to wait for the period of weeks or months that ordinary court hearings can take. If a complaint is about a matter with less than $1,000 of value, lawyers cannot be used to represent either the employer or the employee, who must speak for themselves.

9 - 8 - The Tribunal has the power to order someone to do anything required by the Employment Act; or to stop doing anything prohibited by the Act; or to comply with a contract of employment; or to pay money that is due, under the Act or under a contract of employment. * * * * * * * * * * * * *

Contents. Union Representatives Workers Compensation Handbook

Contents. Union Representatives Workers Compensation Handbook Contents Introduction......................................................... 4 Union Representative s role........................................ 4 Workers Compensation a new approach................................

More information

Health & Safety The Compensation Fund 2013

Health & Safety The Compensation Fund 2013 The Compensation Fund provides compensation for workers who get hurt at work, or sick from diseases contracted at work, or for death as a result of these injuries or diseases. The Compensation Fund is

More information

EQUAL PAY FOR LIKE WORK TAKING A CLAIM

EQUAL PAY FOR LIKE WORK TAKING A CLAIM Department of Economic Development Rheynn Lhiasaghey Tarmaynagh EQUAL PAY FOR LIKE WORK TAKING A CLAIM The leaflet is a guide and has no status in law. It does not cover all the rules for every situation,

More information

Jersey Employment and Discrimination Tribunal. Making a complaint under the Employment (Jersey) Law 2003

Jersey Employment and Discrimination Tribunal. Making a complaint under the Employment (Jersey) Law 2003 Jersey Employment and Discrimination Tribunal Making a complaint under the Employment (Jersey) Law 2003 Please read this leaflet if you are considering making a complaint about your employment to the Jersey

More information

Police Amendment (Death and Disability) Act 2011 No 73

Police Amendment (Death and Disability) Act 2011 No 73 New South Wales Police Amendment (Death and Disability) Act 2011 No 73 Contents Page 1 Name of Act 2 2 Commencement 2 Schedule 1 Amendment of Police Act 1990 No 47 3 Schedule 2 Amendment of Police Regulation

More information

YOUR RIGHTS AT WORK. Union recognition

YOUR RIGHTS AT WORK. Union recognition The Law and You 65 YOUR RIGHTS AT WORK CAN I JOIN A UNION? Yes. The Constitution protects your rights to join a trade union of your choice. If any one tries to stop you exercising this right you can take

More information

WORKERS COMPENSATION QUICK FACTS

WORKERS COMPENSATION QUICK FACTS The Workers' Compensation Handbook // 1 WORKERS COMPENSATION QUICK FACTS Workers Compensation Quick Facts contains general information about the workers compensation system in New Mexico, to provide employers

More information

MAURICE BLACKBURN LAWYERS WORKERS COMPENSATION ACT

MAURICE BLACKBURN LAWYERS WORKERS COMPENSATION ACT 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.

More information

[Consolidated as at 23 February 2013 on the authority of the Administrator and in accordance with the Enactments Reprinting Act 1980]

[Consolidated as at 23 February 2013 on the authority of the Administrator and in accordance with the Enactments Reprinting Act 1980] Consolidation NORFOLK ISLAND EMPLOYMENT ACT 1988 [Consolidated as at 23 February 2013 on the authority of the Administrator and in accordance with the Enactments Reprinting Act 1980] TABLE OF PROVISIONS

More information

Free Legal Consumer Guide Series www.southernmarylandlaw.com

Free Legal Consumer Guide Series www.southernmarylandlaw.com Free Legal Consumer Guide Series Brought To You By Meeting All Your Legal Needs For 50 Years 2 What You Need To Know About Workers Compensation HOW TO USE THIS GUIDE If you read this guide, you will discover

More information

AND REDUNDANCY. Summary of the law on

AND REDUNDANCY. Summary of the law on Summary of the law on UNFAIR DISMISSAL AND REDUNDANCY Workers are protected under the Employment Rights Act 1996 from being sacked or chosen unfairly for redundancy. This booklet provides a basic outline

More information

Your Rights at Work in Australia Prepared by Labor Council of NSW For more information call our hotline1800 688 919

Your Rights at Work in Australia Prepared by Labor Council of NSW  For more information call our hotline1800 688 919 Your Rights at Work in Australia Prepared by Labor Council of NSW www.labor.net.au For more information call our hotline1800 688 919 HOW PAY AND CONDITIONS ARE SET IN AUSTRALIA ACTS OF PARLIAMENT Legislation

More information

PRODUCTIVITY COMMISSION ISSUE PAPER 3. Enterprise Bargaining

PRODUCTIVITY COMMISSION ISSUE PAPER 3. Enterprise Bargaining PRODUCTIVITY COMMISSION ISSUE PAPER 3 Enterprise Bargaining Aged Care Sector In Victoria, the majority of aged care services have had a form of agreement in place since 2002. The agreements in 2002, and

More information

NHS Injury Benefits Scheme. A guide to available benefits. Pensions Division The Personnel Office

NHS Injury Benefits Scheme. A guide to available benefits. Pensions Division The Personnel Office NHS Injury Benefits Scheme A guide to available benefits Pensions Division The Personnel Office March 2009 Contents 2 General information 3 Temporary Injury Allowance (TIA) 4 Permanent Injury Benefit (PIB)

More information

Superannuation & Disability Claims Securing your future

Superannuation & Disability Claims Securing your future Superannuation & Disability Claims Securing your future Great people Great results Great value Established 1952 Superannuation & Disability Claims When you are unable to work because of injury or illness,

More information

Ten questions to ask your lawyer about costs

Ten questions to ask your lawyer about costs Legal Ombudsman January 2014 Consumer Guide: Costs Ten questions to ask your lawyer about costs 1 The information in this leaflet is useful for anyone who is using, or thinking of using, a legal service.

More information

NT WORKERS COMPENSATION CLAIM FORM

NT WORKERS COMPENSATION CLAIM FORM Information for Workers Guidance to PART 1 of the Claim Form Notify your employer of your injury, verbally or in writing, as soon as practicable. Fully complete PART 1 (questions 1 to 8) of the following

More information

www.superstaff.co.nz PO Box 11766 Ellerslie 1542 Auckland 0800 787379 TERMS OF BUSINESS

www.superstaff.co.nz PO Box 11766 Ellerslie 1542 Auckland 0800 787379 TERMS OF BUSINESS The Engagement of Temporary Employees TERMS OF BUSINESS 1. You ( the Client ) are deemed to have accepted the Terms of Business by engaging a Temporary Employee ( Temporary ) introduced to the Client by

More information

AIG Life. YourLife Plan Income Protection. Key Facts

AIG Life. YourLife Plan Income Protection. Key Facts AIG Life YourLife Plan Income Protection Key Facts Contents Page Welcome to AIG 3 Section A: About Income Protection A1 What is Income Protection? 4 A2 Income Protection aims 4 A3 How does Income Protection

More information

Summary of the law on UNFAIR DISMISSAL AND REDUNDANCY

Summary of the law on UNFAIR DISMISSAL AND REDUNDANCY Summary of the law on UNFAIR DISMISSAL AND REDUNDANCY Workers are protected under the Employment Rights Act 1996 from being sacked or chosen unfairly for redundancy. All employees can bring a claim of

More information

Workers guide to workers compensation Guide

Workers guide to workers compensation Guide 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

More information

COMPENSATION UPON TERMINATION OF APPOINTMENTS OF DIRECTORS AND SENIOR EXECUTIVES

COMPENSATION UPON TERMINATION OF APPOINTMENTS OF DIRECTORS AND SENIOR EXECUTIVES COMPENSATION UPON TERMINATION OF APPOINTMENTS OF DIRECTORS AND SENIOR EXECUTIVES DIRECTORS ADVISORY SERVICE FACTSHEET These Guidance Notes provide an outline of the relevant provisions, but they are not

More information

WHAT IS THE LAW SURROUNDING CAR ACCIDENTS?

WHAT IS THE LAW SURROUNDING CAR ACCIDENTS? WHAT IS THE LAW SURROUNDING CAR ACCIDENTS? How Does The Law Determine Who s At Fault? When determining fault, there is no one answer that covers all scenarios. Accidents produce and are produced by many

More information

RESOLVING DISPUTES AT WORK: New procedures for discipline and grievances A GUIDE FOR EMPLOYEES

RESOLVING DISPUTES AT WORK: New procedures for discipline and grievances A GUIDE FOR EMPLOYEES RESOLVING DISPUTES AT WORK: New procedures for discipline and grievances A GUIDE FOR EMPLOYEES This guide tells you about new rights and procedures you must follow if you have a grievance in work are facing

More information

Information Sheet Updated March 2007

Information Sheet Updated March 2007 Duty of Care and Negligence Villamanta Disability Rights Legal Service Inc. Information Sheet Updated March 2007 What is Negligence? Negligence is when someone who owes you a duty of care, has failed to

More information

Personal Safety Intervention Orders

Personal Safety Intervention Orders Personal Safety Intervention Orders A guide to resolving disputes and protecting your safety. This booklet is about personal safety intervention orders, which can help protect you from threats and violence

More information

Who Administers the Workers Compensation Program and Related Responsibilities?

Who Administers the Workers Compensation Program and Related Responsibilities? 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?

More information

Nossiff & Giampa Attorneys at Law

Nossiff & Giampa Attorneys at Law Nossiff & Giampa Attorneys at Law WHAT IS WORKERS COMPENSATION? The Massachusetts and New Hampshire Workers Compensation Boards are a place to make sure that workers are protected by insurance, if they

More information

Injured Employee Guide to Workers Compensation

Injured Employee Guide to Workers Compensation Yale University Injured Employee Guide to Workers Compensation important change Effective July 1, 2009, there was a change in the Workers Compensation claims handling process. All claims are now handled

More information

secure your future the lump sum scheme Everything you need to know about your super DIVISION 2 - MEMBERS BOOKLET DIVISION 2 - MEMBERS BOOKLET

secure your future the lump sum scheme Everything you need to know about your super DIVISION 2 - MEMBERS BOOKLET DIVISION 2 - MEMBERS BOOKLET the lump sum scheme secure your future Everything you need to know about your super DIVISION 2 - MEMBERS BOOKLET 1 Adding power to your financial future 3 THE LUMP sum scheme MADE EASY 4 CONTRIBUTIONS

More information

Workers Compensation: Making a claim

Workers Compensation: Making a claim Workers Compensation: Making a claim What are workers compensation benefits? Workers compensation benefits are payments for injuries or diseases that are related to the work you were doing. Workers compensation

More information

Benefits Guide. Information for the Injured Worker

Benefits Guide. Information for the Injured Worker 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

More information

GADSBY WICKS SOLICITORS FUNDING THE CLAIM

GADSBY WICKS SOLICITORS FUNDING THE CLAIM FUNDING THE CLAIM This is an important issue because we know that many people are understandably very worried about incurring legal costs. But there is no need to worry about costs. Because of changes

More information

resolving workers compensation disputes the conciliation process

resolving workers compensation disputes the conciliation process ACCS/539/01/5.02 If you cannot understand this booklet, please contact 131 450. Ask the interpreter to contact the Conciliation Service on 1800 635 960 or 9940 1111 to explain the booklet. Accident Compensation

More information

Sickness and Invalidity Benefits - Leaflet 16

Sickness and Invalidity Benefits - Leaflet 16 Sickness and Invalidity Benefits - Leaflet 16 This leaflet tells you about Sickness and Invalidity Benefits. General information and how to claim is set out on the following pages. If your incapacity is

More information

Unfair Dismissal Overview Definitions What is a dismissal? Constructive Dismissal not What is unfair dismissal? unfairly dismissed

Unfair Dismissal Overview Definitions What is a dismissal? Constructive Dismissal not What is unfair dismissal? unfairly dismissed Unfair Dismissal Overview This module contains information on the new unfair dismissal laws and covers off the following matters: Definitions surrounding unfair dismissal The Small Business Fair Dismissal

More information

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com You are probably reading this guide because you were recently in an automobile accident. Now you are faced with some difficulties. The tasks of managing your care and your insurance claim can be confusing

More information

National Benefit Fund

National Benefit Fund 1199SEIU National Benefit Fund SUMMARY PLAN DESCRIPTION June 2015 Section III Disability Benefits A. When You Are Eligible for Disability Benefits B. Your Disability Benefits The Disability Intervention

More information

resolving workers compensation disputes the conciliation process

resolving workers compensation disputes the conciliation process resolving workers compensation disputes the conciliation process contents what is the accident compensation conciliation service? 02 how does conciliation work? 04 how do you prepare for a conciliation

More information

AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS

AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS A STEP-BY-STEP GUIDE FOR HANDLING A VEHICLE PROPERTY DAMAGE CLAIM WITHOUT HIRING AN ATTORNEY. Not every car wreck results in an injury. In cases where an accident

More information

Self-employed or an employee?

Self-employed or an employee? IR 336 April 2009 Self-employed or an employee? How to work out your tax status Introduction It is important to know if you are employed or self-employed, because the tax and Accident Compensation laws

More information

Getting help if you ve been injured while travelling overseas

Getting help if you ve been injured while travelling overseas Getting help if you ve been injured while travelling overseas For more information ACC information online www.acc.co.nz Claim information freephone 0800 101 996 We have interpreters who can help you talk

More information

WORKERS COMPENSATION AND REHABILITATION QUESTIONS AND ANSWERS

WORKERS COMPENSATION AND REHABILITATION QUESTIONS AND ANSWERS 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.

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

AIG Life. Relevant Life Insurance. Key Facts

AIG Life. Relevant Life Insurance. Key Facts AIG Life Relevant Life Insurance Key Facts Contents Page Welcome to AIG 3 Section A: About Relevant Life Insurance A1 What is Relevant Life Insurance is 4 A2 How Relevant Life Insurance works 4 A3 Your

More information

Industrial Injuries Benefits - Leaflet 6

Industrial Injuries Benefits - Leaflet 6 Industrial Injuries Benefits - Leaflet 6 2007 This leaflet tells you about Industrial Injury Benefit, Industrial Disablement Benefit and Industrial Medical Benefit. Together these are known as Industrial

More information

How does HMRC work out how much income tax I owe?

How does HMRC work out how much income tax I owe? Taxes are dealt with and collected by HM Revenue & Customs (HMRC). There are different types of tax, which include those listed below. Income tax. This is a tax you pay on income you receive. National

More information

AIG Life. YourLife Plan Family Income Benefit. Key Facts

AIG Life. YourLife Plan Family Income Benefit. Key Facts AIG Life YourLife Plan Family Income Benefit Key Facts Contents Page Welcome to AIG 3 Section A: About Family Income Benefit A1 What is Family Income Benefit 4 A2 Family Income Benefit aims 4 A3 How does

More information

Ten questions to ask your lawyer about costs

Ten questions to ask your lawyer about costs Ten questions to ask your lawyer about costs www.legalombudsman.org.uk The information in this leaflet is useful for anyone who is using, or thinking of using, a legal service. This could be for a whole

More information

understanding your household workers insurance policy A guide to your policy cover and conditions

understanding your household workers insurance policy A guide to your policy cover and conditions 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

More information

Employers guide to workers compensation Guide

Employers guide to workers compensation Guide 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

More information

Construction Accident

Construction Accident Do You Have a Case? Construction Accident ebooklet Mark Fryman 201 South 3rd Street Logansport, IN 46947 P: (574) 722-6676 www.starrausten.com Disclaimer No attempt is made to establish an attorney-client

More information

Employee Rights. Everything you need to know

Employee Rights. Everything you need to know Employee Rights Everything you need to know If you have a complaint about any element of your work, then you must obtain urgent legal advice. The best way to obtain advice is to contact us immediately.

More information

WORKPLACE COMPENSATION CLAIM SUCCESS

WORKPLACE COMPENSATION CLAIM SUCCESS 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

More information

A Client s Guide to Personal Injury Mediation

A Client s Guide to Personal Injury Mediation A Client s Guide to Personal Injury Mediation 1 What is Mediation? Mediation is a way of settling your compensation claim. It is an alternative to going to court. It involves negotiation between you and

More information

POLICY FOR MANAGING SICKNESS ABSENCE

POLICY FOR MANAGING SICKNESS ABSENCE Summary POLICY FOR MANAGING SICKNESS ABSENCE This policy sets out the standards for dealing with sickness absence in a fair, sensitive and supportive way, whilst at the same time recognising the needs

More information

Helping Union Members

Helping Union Members Helping Union Members with their ACC Claims A Guide for Union Delegates and Health and Safety Representatives The Code of ACC Claimants Rights The Code of ACC Claimants Rights guides how ACC works with

More information

FORM 2 PERSONAL INJURIES PROCEEDINGS ACT 2002. NOTICE OF CLAIM (Health Care Claims)

FORM 2 PERSONAL INJURIES PROCEEDINGS ACT 2002. NOTICE OF CLAIM (Health Care Claims) 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

More information

Civil legal aid information for applicants

Civil legal aid information for applicants Civil legal aid information for applicants This leaflet covers both civil legal aid and advice and assistance Solicitors you must give this leaflet to clients before they complete a financial eligibility

More information

Information for Workers. Information for Workers

Information for Workers. Information for Workers Information for Workers Information for Workers Revised March 2015 Contents Overview... 2 Workplace Injuries... 2 Worker Responsibilities... 2 Employer Responsibilities... 4 WCB Responsibilities... 4 Returning

More information

Group Income Protection Technical Guide

Group Income Protection Technical Guide For commercial customers and their advisers only Group Income Protection Technical Guide Reference BGR/4019/OCT12 Contents Page Its aims Employers your commitment Risk factors How does the policy work?

More information

Workers Compensation claim form

Workers Compensation claim form Form Workers Compensation claim form STOP - this form is available to be filled in electronically on the NT WorkSafe web site www.worksafe.nt.gov.au. Fill the form in electronically then save a copy to

More information

Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION

Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION 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

More information

Getting help and what to know if you ve been injured at work

Getting help and what to know if you ve been injured at work Getting help and what to know if you ve been injured at work Introduction If you ve been injured at work, this guide provides you with useful information to help you recover from your injury. Once you

More information

EMPLOYMENT LAW A GUIDE TO THE LAW IN ALBERTA REGARDING TUDENT EGAL ERVICES OF EDMONTON COPYRIGHT AND DISCLAIMER

EMPLOYMENT LAW A GUIDE TO THE LAW IN ALBERTA REGARDING TUDENT EGAL ERVICES OF EDMONTON COPYRIGHT AND DISCLAIMER COPYRIGHT AND DISCLAIMER A GUIDE TO THE LAW IN ALBERTA REGARDING version: 2010 GENERAL All information is provided for general knowledge purposes only and is not meant as a replacement for professional

More information

Missouri Small Claims Court Handbook. The Missouri Bar Young Lawyers' Section

Missouri Small Claims Court Handbook. The Missouri Bar Young Lawyers' Section Missouri Small Claims Court Handbook The Missouri Bar Young Lawyers' Section TABLE OF CONTENTS I. INTRODUCTION TO THE SMALL CLAIMS COURT...1 Page II. THINGS TO CONSIDER BEFORE BRINGING A CLAIM...1 A. WHO

More information

AIG Life. YourLife Plan Term Assurance. Key Facts

AIG Life. YourLife Plan Term Assurance. Key Facts AIG Life YourLife Plan Term Assurance Key Facts Contents Page Welcome to AIG 3 Section A: About Term Assurance A1 What is Term Assurance? 4 A2 Term Assurance aims 4 A3 How does - Term Assurance work? 4

More information

Your Rights Under the Missouri Workers Compensation Law

Your Rights Under the Missouri Workers Compensation Law 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.

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

WageGuard Group Income Protection Claim Form

WageGuard Group Income Protection Claim Form WageGuard Group Income Protection Claim Form Frequently Asked Questions How long will it take to complete my section of the form? We ve tested it -- it takes about 20 minutes. We want to settle your claim

More information

Independent Living Insurance. Policy Summary

Independent Living Insurance. Policy Summary Independent Living Insurance Policy Summary Independent Living Insurance This summary does not contain the full terms and conditions of your policy. Please refer to your policy document for the full terms

More information

understanding your workplace personal injury insurance policy A guide to your policy cover and conditions

understanding your workplace personal injury insurance policy A guide to your policy cover and conditions 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

More information

The Commonwealth of Massachusetts Department of Industrial Accidents. For injured workers

The Commonwealth of Massachusetts Department of Industrial Accidents. For injured workers The Commonwealth of Massachusetts Department of Industrial Accidents For injured workers WHAT IS WORKERS COMPENSATION? The Massachusetts Workers Compensation system is in place to protect you if you are

More information

TOP 10 MYTHS OF EMPLOYMENT LAW

TOP 10 MYTHS OF EMPLOYMENT LAW w TOP 10 MYTHS OF EMPLOYMENT LAW As an Employment Lawyer I often come across employers who are ill informed about employment law. They frequently believe in a number of myths about the law which are either

More information

Revised May 2015. What Is Workers Compensation?

Revised May 2015. What Is Workers Compensation? This pamphlet provides an overview of the workers compensation system in the State of New Hampshire, including what is covered by workers compensation, what benefits are available, and what you should

More information

MOTOR VEHICLE COMPENSATION CLAIM SUCCESS

MOTOR VEHICLE COMPENSATION CLAIM SUCCESS MOTOR VEHICLE COMPENSATION CLAIM SUCCESS 6 WAYS TO RUIN YOUR MOTOR VEHICLE COMPENSATION CLAIM 6 WAYS TO RUIN YOUR MOTOR VEHICLE COMPENSATION CLAIM In this guide, we have outlined the 6 most common ways

More information

Why use ADR? Pros & cons

Why use ADR? Pros & cons Why use ADR? Pros & cons Thinking about ADR? This leaflet is for you if you ve heard about alternative dispute resolution (ADR) and are wondering whether to use it to try and resolve a dispute. It will

More information

Receiving your personal budget as a direct payment

Receiving your personal budget as a direct payment Receiving your personal budget as a direct payment This information sheet outlines in more detail the things you need to consider and the steps you need to take to receive your personal budget as a direct

More information

7-48 (a) PERSONNEL COMPENSATION REGULATION. 7-48 Workers' Compensation. A. Purpose

7-48 (a) PERSONNEL COMPENSATION REGULATION. 7-48 Workers' Compensation. A. Purpose (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

More information

the ombudsman and smaller businesses

the ombudsman and smaller businesses the ombudsman and smaller businesses your guide to the Financial Ombudsman Service the independent expert in settling complaints between consumers and businesses providing financial services about this

More information

Important Information

Important Information 16 An Employee s Guide to the South Dakota Workers Compensation System Division of Labor and Management Phone: (605) 773-3681 www.sdjobs.org Department of Labor and Regulation 700 Governors Drive Pierre,

More information

IEEE Financial Advantage Program Article for FYI Newsletter. If you become disabled and can t work, where will your money come from?

IEEE Financial Advantage Program Article for FYI Newsletter. If you become disabled and can t work, where will your money come from? Safeguarding Your Income If you become disabled and can t work, where will your money come from? You put a portion of every paycheck in savings. You keep on top of your monthly bills. You ve signed up

More information

Public Sector Injury Benefit Scheme 2015

Public Sector Injury Benefit Scheme 2015 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

More information

YourLife Plan Family Income Benefi t Key Facts. Total & Permanent disability. Specifi ed Critical Illness. Terminal Illness. Long term sickness.

YourLife Plan Family Income Benefi t Key Facts. Total & Permanent disability. Specifi ed Critical Illness. Terminal Illness. Long term sickness. YourLife Plan Family Income Benefi t Key Facts Death Terminal Illness Specifi ed Critical Illness Long term sickness Total & Permanent disability Contents Section A: About YourLife Plan Page A1 What is

More information

Top Ten Tips when choosing a support provider

Top Ten Tips when choosing a support provider Top Ten Tips when choosing a support provider This is a guide to help anyone who needs to buy social care support for themselves or a friend or relative (an adult or a child). It aims to help you learn

More information

Payment of wages. Your hourly wage rate depends on factors such as the industry or sector you are in, your occupation and contract of employment.

Payment of wages. Your hourly wage rate depends on factors such as the industry or sector you are in, your occupation and contract of employment. Payment of wages Pay & Wages Series What hourly rate should I be paid? Your hourly wage rate depends on factors such as the industry or sector you are in, your occupation and contract of employment. Pay

More information

AIG Life. Business Protection Term Assurance. Key Facts

AIG Life. Business Protection Term Assurance. Key Facts AIG Life Business Protection Term Assurance Key Facts Contents Page Welcome to AIG 3 Section A: About Business Protection A1 What is Business Protection? 4 A2 Business Protection aims 4 A3 How does Business

More information

Making a complaint Information Guide

Making a complaint Information Guide Making a complaint Information Guide This guidance is to assist disabled people and / or their family members who feel they may have received a less favourable service (discrimination) due to their disability.

More information

Long Term Disability Insurance Benefits Guide

Long Term Disability Insurance Benefits Guide THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK Long Term Disability Insurance Benefits Guide For The Employees of The State University of New York Answers to your questions about coverage from The Standard

More information

Accidents at Work. Everything you need to know

Accidents at Work. Everything you need to know Accidents at Work Everything you need to know Falling from ladders, slipping on a wet floor, lifting a heavy item, cutting yourself on a machine. Even in the 21st Century the workplace is still dangerous

More information

PayCover Income Protection Claim Form

PayCover Income Protection Claim Form PayCover Income Protection Claim Form Frequently Asked Questions How long will it take to complete my section of the form? We ve tested it -- it takes about 20 minutes. We want to settle your claim for

More information

Employment and Support Allowance

Employment and Support Allowance Employment and Support Allowance Help if you are ill or disabled Contents 3 About Employment and Support Allowance 4 Who can get Employment and Support Allowance 6 What happens when I claim? 7 Helping

More information

POWERS OF ATTORNEY WHAT IS A GENERAL POWER OF ATTORNEY?

POWERS OF ATTORNEY WHAT IS A GENERAL POWER OF ATTORNEY? What do you do if you want someone to help look after your affairs? What if you become unable to look after yourself or make decisions about your own affairs? Who can make decisions about your welfare

More information

Claim for Compensation for a Work-related death Employer Information

Claim for Compensation for a Work-related death Employer Information SRC245(Jan2008) Claim for Compensation for a Work-related death Employer Information Comcare has received a Claim for compensation under the Safety, Rehabilitation and Compensation Act 1988 (SRC Act) for

More information

Review of National Disability Insurance Scheme Decisions

Review of National Disability Insurance Scheme Decisions Practice Direction Review of National Disability Insurance Scheme Decisions This Direction is given under section 18B of the Administrative Appeals Tribunal Act 1975 (AAT Act). 1. About this Direction

More information

USING LAWYERS IN HONG KONG

USING LAWYERS IN HONG KONG USING LAWYERS IN HONG KONG This Guide deals in general terms with using lawyers in Hong Kong. It aims to help a seafarer understand the legal profession in Hong Kong, and how to select, engage and if need

More information

INJURY LAW ALERT WINTER 2006/2007 ISSUE WHAT IS MEDICAL MALPRACTICE?

INJURY LAW ALERT WINTER 2006/2007 ISSUE WHAT IS MEDICAL MALPRACTICE? INJURY LAW ALERT WINTER 2006/2007 ISSUE WHAT IS MEDICAL MALPRACTICE? Medical malpractice is a broad term used to describe a number of different kinds of lawsuits brought against doctors and hospitals.

More information

JIB NATIONAL WORKING RULES 19 AND 20

JIB NATIONAL WORKING RULES 19 AND 20 JIB NATIONAL WORKING RULES 19 AND 20 19. DISCIPLINARY AND DISMISSAL PROCEDURE 19.1 INTRODUCTION For the avoidance of doubt, the term operative includes apprentice for the purpose of this Rule The behaviours

More information

A lawyer and her client weigh in on the overtime scam

A lawyer and her client weigh in on the overtime scam A lawyer and her client weigh in on the overtime scam BY Paul Solman June 18, 2015 at 2:48 PM EST Working overtime doesn t always equate to overtime pay. Photo by Getty Images Editor s Note: In his 2015

More information