2012 Reforms to NSW Workers Compensation Scheme The Safety Conference

Size: px
Start display at page:

Download "2012 Reforms to NSW Workers Compensation Scheme The Safety Conference"

Transcription

1 2012 Reforms to NSW Workers Compensation Scheme The Safety Conference Rhett Slocombe Sparke Helmore Lawyers October 2012 adelaide brisbane canberra melbourne newcastle perth sydney upper hunter

2 Overview of what we are covering today Liability Lump sums Medicals Weekly benefits 2

3 Heart Attack & Stroke Section 9B provides no compensation payable in respect of any heart attack or stroke unless the nature of a person s employment gave rise to a significantly greater risk of the injury than had the worker not been in that employment Applies to injuries received post 19 June 2012 Aims to be fairer and more reasonable test for employers than s9a second reading speech Extensive definition of what are heart attacks or strokes 3

4 Disease Section 4 amended to provide that for diseases to be compensable employment must be main contributing factor to: Contracting disease Aggravation, acceleration, exacerbation or deterioration of disease Applies to injuries received on or after 19 June 2012 Aim is to exclude injuries where employment has limited connection with the disease 4

5 Journey claims To be compensable the worker requires a real and substantial connection between employment and injury received Applies to injuries received on or after 19 June 2012 Similar to South Australia Cusack v State of South Australia [2005] real and substantial connection found when policeman fell asleep resulting in MVA as he travelled home following back to back shifts 5

6 Lump sums Only available to workers assessed at greater than 10% WPI No s67 Only one assessment of permanent impairment per injury (covers s66, WID and commutation thresholds) Certification from insurer that it is satisfied worker has obtained legal advice or has waived right to independent legal advice for agreement Applies to claims made post 19 June

7 Section 60 medical expenses Medical expenses are payable for 12 months after date of injury or 12 months from the last payment of weekly benefits, whichever is latter. This does not apply to seriously injured workers» Seriously injured workers degree of permanent impairment greater than 30% OR AMS says impairment not stable or ascertainable OR where insurer satisfied that the degree of impairment is likely to be more than 30% Can be payable for later period if weekly benefits become payable but only whilst weekly payments made ( e.g. - subsequent surgery) 7

8 Section 60 medical expenses Employer not liable for medical treatment unless prior approval given by insurer (not including treatment within 48 hours of injury or treatment exempt by WorkCover Guidelines) Guidelines will be important in relation to whether treatment appropriate and properly provided Employer is not liable for travel expenses for treatment at a place requiring more travel than reasonably necessary 8

9 Weekly Benefits adelaide brisbane canberra melbourne newcastle perth sydney upper hunter

10 New Regime: Application The weekly benefits amendments will apply to:» injuries on or after 1 October 2012» all current claims from 1 January

11 New Regime: Definitions AWE = Pre-Injury Average Weekly Earnings Sum of: a. average ordinary earnings during the relevant period and b. for first 52 weeks of weekly benefits - permitted overtime & shift allowances After 52 weeks, AWE reduces to average ordinary earnings only Minimum AWE = set by regulations and may be different for different classes of worker, including part-time workers 11

12 New Regime: Definitions Ordinary Earnings 1. If in receipt of hourly rate - ordinary rate for ordinary hours plus piece rates, commissions & monetary value of non-pecuniary benefits OR 2. In any other case - actual earnings, plus piece rates and monetary value of non-pecuniary benefits 12

13 New Regime: Definitions Permitted Overtime and Shift Allowances Any overtime and shift allowance paid during the relevant period Relevant Period If employed by employer for 52 weeks = 52 weeks If employed by employer < 52 weeks = period of employment If worker voluntarily varies work (not due to injury) such that earnings are less, any period prior to variation is not included If worker is promoted, only the promoted rate will apply and not the earnings prior to promotion (provided promotion is not temporary) 13

14 New Regime: Definitions D = Deductible Amount The sum of the following four non-pecuniary benefits provided to a worker for the benefit of the worker or his/her family residential accommodation, use of a motor vehicle, health insurance and/or education fees Monetary value of a non-pecuniary benefits is determined by new s44f 14

15 New Regime: Definitions E = Earnings Post injury earnings, being the greater of (a) amount a worker can earn in suitable employment or (b) worker s actual current weekly earnings Base Rate of Pay Excludes incentives, bonuses, loading, monetary allowances, piece rates or commissions, overtime or shift allowances and any separately identifiable amounts not referred to in section 44G(1). The reason being that these are already included in ordinary earnings for pre-injury AWE and current weekly earnings for post injury earnings 15

16 New Regime: Definitions Max = Maximum weekly compensation amount under s34(1). Currently $1, (will be indexed) 16

17 New Regime: 1 st & 2 nd Entitlement Periods First Entitlement Period (0 to 13 weeks) New Section 36 No work capacity: lesser of a. AWE x 95% - D b. MAX D Current work capacity: lesser of a. AWE x 95% - (E+D) b. MAX (E+D) Second Entitlement Period (14 to 130 weeks) New Section 37 No work capacity: lesser of a. AWE x 80% - D b. MAX D Working 15 hrs/wk: lesser of a. AWE x 95% - (E+D) b. MAX (E+D) Working < 15 hrs/wk or capacity for work but not working: lesser of a. AWE x 80% - (E+D) b. MAX (E+D) 17

18 New Regime: 3 rd Entitlement Period Third Entitlement Period (131 to 260 weeks) - New Section 38 No capacity for work If insurer assesses worker to have no work capacity and likely to continue to indefinitely have no work capacity, the lesser of a. AWE x 80% - D b. MAX D Current capacity for work If insurer assesses worker to have a current work capacity and worker is working 15 hrs/wk or more, earning at least $155pw and assessed as likely to continue to indefinitely be unable to work more to increase earnings, lesser of a. AWE x 80% - (E+D) b. MAX (E+D) A worker does not cease to be entitled to the new s38 benefits because he/ she occasionally (not more than four weeks in any 12 week period) works more or less hours or earns more or less than that at the time s38 was applied for. 18

19 New Regime: > 260 weeks and Surgery After 260 weeks New Section 39 Weekly benefits are only payable after 260 weeks for workers with permanent impairment of at least 20% - payments at new s38 rates Special Compensation for Surgery New Section 41 If a worker requires surgery at a stage that is at least 13 weeks after the end of the 2 nd entitlement period, and during the 2 nd entitlement period he / she received the highest rate, he / she can receive up to an additional 13 weeks of weekly benefits at that rate 19

20 Work Capacity Assessments & Decisions Work capacity assessment - an assessment of a worker s work capacity pursuant to WorkCover Guidelines Work capacity decision a decision by an insurer on matters relating to a worker s work capacity Insurer s work capacity decisions are final and binding and can only be appealed or reviewed by:» Internal review by insurer» Review by WorkCover» Review by WorkCover Independent Review Officer (WIRO) from 1 October 2012, and» Supreme Court Recommendations by WorkCover and WorkCover IRO are final and binding on parties If a WCA has been conducted, the WCC has no jurisdiction to determine disputes about a work capacity decision 20

21 Existing Weekly Benefits Recipients Amendments apply to workers receiving weekly benefits prior to 19 June 2012 The amendments apply to all current recipients of weekly compensation after 1 January 2013 A Work Capacity Assessment (WCA) must be conducted for all existing claims by 1 January 2014 to determine further weekly benefits entitlement once new regime takes effect» Exception seriously injured workers (i.e. at least 30% permanent impairment) Any payments prior to commencement of amendments do not count towards five year weekly benefits cap 21

22 Existing Weekly Benefits Recipients Current Status Transitional Payments & New Regime Start Time First 26 weeks Remaining weeks of CWWR then move to new regime Section 37 Current rate until three months after WCA conducted, then move to new regime. In new regime, no weeklies if no work capacity and permanent impairment less than 20% Section 38 Section 40 Remaining weeks of s38 then move to new regime Current s40 method then three months after WCA conducted move to new regime When new regime commences, pre-injury AWE of $906.25pw will apply to all existing claims (transitional amount) 22

23 Examples Example 1: DOI 10 April 2012 Receives remaining first 26 weeks entitlement, i.e. 16 weeks at CWWR After 16 weeks expired: If WCA done and three months expired, pay at 2 nd entitlement period rate If not, pay at pre-amendment s37 rate until WCA conducted and three months expired, then pay at 2 nd entitlement period rate 23

24 Examples Example 2: DOI 20 July 2010 Currently totally unfit and receiving s37 Receives pre-amendment s37 rate until three months after WCA done, then pay at 2 nd entitlement period rate 24

25 Examples Example 3: DOI 13 March 2009 FFSD and receiving s38 (15 weeks received) Receives remainder of s38 entitlement, i.e. 37 weeks at preamendment s38 rate After 37 weeks expired: If WCA done and three months expired, pay at 2 nd entitlement period rate. If not, pay at pre-amendment s40 entitlement until WCA conducted and three months expired, then pay at 2 nd entitlement period rate 25

26 Examples Example 4: DOI 4 September 2005 Receiving $250pw pursuant to s40 Receives pre-amendment s40 rate (i.e. $250pw) until WCA conducted and expiration of three months thereafter, then pay at 2 nd entitlement period rate 26

27 Examples Example 5: DOI 1 June 2012 currently totally unfit Calculation of Transitional Payments AWE = $800pw Pre-amendment s36 rate = $640pw (CWWR) Pre-amendment s36 rate paid to 1 Dec 2012 (end of first 26 weeks) If WCA conducted and three months expired prior to 1 Dec 2012, move straight to new regime at 2 nd entitlement period rate If WCA not conducted or three months not expired, move to preamendment s37 rate until three months post WCA, then move to 2 nd entitlement period rate Calculation of New Entitlement Transitional AWE = $906.25pw No deductible amount No capacity: ($ x 80%) - $0 = $725 Works 10hrs/pw earning $200pw: ($ x 80%) ($200+$0) = $525 Works 20hrs/pw earning $400pw: ($ x 95%) ($400+$0) = $

28 Examples Example 6: DOI 20 June 2012 AWE = $1,000 D = $100 1 st entitlement period No capacity: ($1,000 x 95%) $100 = $850 Works 10hrs/pw: ($1,000 x 95%) ($250+$100) = $600 Works 20hrs/pw: ($1,000 x 95%) ($500+$100) = $350 2 nd entitlement period No capacity: ($1,000 x 80%) $100 = $700 Works 10hrs/pw: ($1,000 x 80%) ($250+$100) = $450 Works 20hrs/pw: ($1,000 x 95%) ($500+$100) = $350 3 rd entitlement period No capacity: ($1,000 x 80%) $100 = $700 Works 20hrs/pw: ($1,000 x 80%) ($500+$100) = $325 28

29 Thank you adelaide brisbane canberra melbourne newcastle perth sydney upper hunter

Workers compensation benefits guide

Workers compensation benefits guide Workers compensation benefits guide December 2015 Disclaimer This publication may contain information about the regulation of workers compensation in NSW. It may include some of your obligations under

More information

Workers compensation benefits guide

Workers compensation benefits guide Workers compensation benefits guide October 2015 Disclaimer This publication may contain information about the regulation of workers compensation in NSW. It may include some of your obligations under some

More information

NEWSLETTER WORKERS COMPENSATION LEGISLATION AMENDMENT BILL 2012

NEWSLETTER WORKERS COMPENSATION LEGISLATION AMENDMENT BILL 2012 NEW Law Pty Ltd ABN 51 148 002 368 50 O Dea Avenue Waterloo NSW 2017 NEWSLETTER WORKERS COMPENSATION LEGISLATION AMENDMENT BILL 2012 Last week the NSW Government put through a bill to amend the Workers

More information

S.I.A Sydney Safety Conference

S.I.A Sydney Safety Conference S.I.A Sydney Safety Conference Harmonised Work Health and Safety Laws Presenter: Bill Kritharas, Partner Date: 23 October 2012 adelaide brisbane canberra melbourne newcastle perth sydney upper hunter Introduction

More information

New South Wales: Amendments to Workers Compensation Legislation June 2012

New South Wales: Amendments to Workers Compensation Legislation June 2012 There are two primary pieces of legislation governing Workers Compensation in New South Wales: Workplace Injury Management and Workers Compensation Act 1998 The Workers Compensation Legislation Amendment

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

Government Response to the Hanks Enquiry / Accident Compensation Act Amendment Bill

Government Response to the Hanks Enquiry / Accident Compensation Act Amendment Bill Government Response to the Hanks Enquiry / Accident Compensation Act Amendment Bill James Johnson, Partner Sparke Helmore Lawyers 15 September 2009 adelaide brisbane canberra melbourne newcastle perth

More information

A guide for injured workers. Introducing WorkSafe

A guide for injured workers. Introducing WorkSafe A guide for injured workers Introducing WorkSafe September July 2013 2011 Contents 1. About us 1 2. Weekly payments (income entitlements) 2 3. Services to help you get better 4 4. Getting back to work

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

Key Workers Compensation Information, Australia

Key Workers Compensation Information, Australia Key Workers Compensation Information, Australia 2010 Key Workers Compensation Information, Australia 2010 Visit www.safeworkaustralia.gov.au for more information Commonwealth of Australia 2010 ISBN 978

More information

An Introduction to Work Injury Damages

An Introduction to Work Injury Damages An Introduction to Work Injury Damages 2010 Edition Author: Christopher Michael Accredited Specialist Blue: Black: Pantone 540C Edwards Michael Lawyers An Introduction to Work Injury Damages 2010 Edition

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

Key Workers Compensation Information, Australia

Key Workers Compensation Information, Australia Key Workers Compensation Information, Australia 2011 Disclaimer The information provided in this document can only assist you in the most general way. This document does not replace any statutory requirements

More information

Your Guide to NSW Workers Compensation. Information for employers

Your Guide to NSW Workers Compensation. Information for employers Your Guide to NSW Workers Compensation Information for employers Disclaimer This publication contains guidelines for managing workers compensation claims. It is designed to provide general information

More information

VICTORIAN TRANSPORT ACCIDENT CLAIMS - A GUIDE TO YOUR ENTITLEMENTS

VICTORIAN TRANSPORT ACCIDENT CLAIMS - A GUIDE TO YOUR ENTITLEMENTS VICTORIAN TRANSPORT ACCIDENT CLAIMS - A GUIDE TO YOUR ENTITLEMENTS This guide includes the following: What is a transport accident? Who is the TAC? How do I make a claim? When will I know if my claim has

More information

WS016 REHABLITATION AND RETURN TO WORK POLICY

WS016 REHABLITATION AND RETURN TO WORK POLICY WS016 REHABLITATION AND RETURN TO WORK POLICY NEW SOUTH WALES Purpose EI is committed to the rehabilitation of workers who are injured at work. This policy outlines how EI will aim to ensure such workers

More information

CEPU Representatives Guidelines Australia Post Workers Compensation

CEPU Representatives Guidelines Australia Post Workers Compensation CEPU Representatives Guidelines Australia Post Workers Compensation Introduction This Union Representatives Guide provides information on the following rights and entitlements of workers' compensation

More information

WORKPLACE ACCIDENT CLAIMS A GUIDE TO YOUR ENTITLEMENTS

WORKPLACE ACCIDENT CLAIMS A GUIDE TO YOUR ENTITLEMENTS WORKPLACE ACCIDENT CLAIMS A GUIDE TO YOUR ENTITLEMENTS This guide includes the following: Who is a worker? What is the Victorian WorkCover Authority? Who can make a WorkCover claim. When is employment

More information

EMPLOYER INJURY CLAIM REPORT

EMPLOYER INJURY CLAIM REPORT EMPLOYER INJURY CLAIM REPORT FOR HELP COMPLETING THIS FORM OR FOR MORE INFORMATION CONTACT: Your WorkSafe Victoria (WorkSafe) Agent The WorkSafe Advisory Service: freecall 1800 136 089 or (03) 9641 1444

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

Key Workers Compensation Information, Australia

Key Workers Compensation Information, Australia Key Workers Compensation Information, 2013 Disclaimer The information provided in this document can only assist you in the most general way. This document does not replace any statutory requirements under

More information

LUMP SUM COMPENSATION FOR NON-ECONOMIC LOSS

LUMP SUM COMPENSATION FOR NON-ECONOMIC LOSS Public Sector Workforce Relations WR&C ACT 1986 INJURY MANAGEMENT PRACTICE NOTE FOR THE PUBLIC SECTOR 1. PURPOSE LUMP SUM COMPENSATION FOR NON-ECONOMIC LOSS 1.1 To ensure a consistent approach is applied

More information

INJURY AND ILLNESS MANAGEMENT POLICY 2015

INJURY AND ILLNESS MANAGEMENT POLICY 2015 INJURY AND ILLNESS MANAGEMENT POLICY 2015 The Vice-Principal (Operations), as delegate of the Senate of the University of Sydney, adopts the following policy. Dated: 16 December 2014 Position: Vice-Principal

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

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

CUR CURWOODS NEWS BULLETIN. Motor Accident Injuries Amendment Bill 2013

CUR CURWOODS NEWS BULLETIN. Motor Accident Injuries Amendment Bill 2013 CUR CURWOODS NEWS BULLETIN Background Motor Accident Injuries Amendment Bill 2013 The NSW State Government tabled the Motor Accident Injuries Amendment Bill 2013 (the Bill) on 9 May 2013. The Bill purports

More information

Common law applies. Generally calculated at 9% of Past Economic Loss. Interest recoverable on the net loss i.e. less refunds.

Common law applies. Generally calculated at 9% of Past Economic Loss. Interest recoverable on the net loss i.e. less refunds. National Round-up: Damages ACT General Damages Motor Vehicle WorkCover Public Liability Medical Negligence Common law applies, and s99 Civil Law (Wrongs) Act 2002 (CLWA) as to previous decisions of Court

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

This information is for members of the NSW Teachers Federation who are employed in schools, colleges, AMES centres and related workplaces.

This information is for members of the NSW Teachers Federation who are employed in schools, colleges, AMES centres and related workplaces. Workers Compensation This information is for members of the NSW Teachers Federation who are employed in schools, colleges, AMES centres and related workplaces. The information provided is based on the

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

MAURICE BLACKBURN LAWYERS WORKCOVER SOUTH AUSTRALIA

MAURICE BLACKBURN LAWYERS WORKCOVER SOUTH AUSTRALIA MAURICE BLACKBURN LAWYERS WORKCOVER SOUTH AUSTRALIA 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family shouldn t have to suffer.

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

BACKGROUND COMMENTS. The Interim Report quotes from our initial submission:

BACKGROUND COMMENTS. The Interim Report quotes from our initial submission: BACKGROUND This submission is made further to the NSW Minerals Council s initial submission of September 2003 and our appearance before the 4 December 2003 public hearing in Sydney. Our comments remain

More information

A new Return to Work scheme for South Australians

A new Return to Work scheme for South Australians A new Return to Work scheme for South Australians A policy statement to support the Return to Work Bill 2014 www.yoursay.sa.gov.au/yoursay/changes-to-workcover-august-2014-update Contents A message from

More information

MAURICE BLACKBURN LAWYERS WORKERS COMPENSATION NSW

MAURICE BLACKBURN LAWYERS WORKERS COMPENSATION NSW MAURICE BLACKBURN LAWYERS WORKERS COMPENSATION NSW 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family shouldn t have to suffer.

More information

Disease Provisions NSW Workers Compensation

Disease Provisions NSW Workers Compensation Disease Provisions NSW Workers Compensation By Craig Bell September 2012 Sections 15-19 of the Workers Compensation Act 1987 (WCA 1987) deal with issues of disease. Given that hearing loss is almost a

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

NSW Workers Compensation Scheme Issues Paper

NSW Workers Compensation Scheme Issues Paper NSW Workers Compensation Scheme Issues Paper Page 1 of 35 Purpose of this Issues paper There are many indications that the current Workers Compensation Scheme is failing the people of NSW, and urgent action

More information

WHAT S HAPPENING WHS & WORKERS COMPENSATION SYSTEM. Greg Pattison 17 May 2012

WHAT S HAPPENING WHS & WORKERS COMPENSATION SYSTEM. Greg Pattison 17 May 2012 WHAT S HAPPENING WHS & WORKERS COMPENSATION SYSTEM Greg Pattison 17 May 2012 WHAT S HAPPENING WHS WHS HARMONISATION- SORT OF MAYBE SOME DAY? IN Commonwealth Queensland Northern Territory ACT NSW ( with

More information

Civil Service Injury Benefits Scheme

Civil Service Injury Benefits Scheme Civil Service Injury Benefits Scheme Civil Service Injury Benefits Scheme The Civil Service Injury Benefits Scheme was made on 22 July 2002 under section 1 of the Superannuation Act 1972 and came into

More information

WORKERS COMPENSATION EMPLOYER S REPORT

WORKERS COMPENSATION EMPLOYER S REPORT WORKERS COMPENSATION EMPLOYER S REPORT You must lodge this form with Allianz within three working days of being notified of an injured person s claim. 1 Employer Details Legal Entity / If Claimant has

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

Benefits under the Short Term Disability Salary Continuation Plan described in the following pages are provided and funded by the Employer.

Benefits under the Short Term Disability Salary Continuation Plan described in the following pages are provided and funded by the Employer. Colgate University Short Term Disability Salary Continuation Plan For Faculty and Administrators Benefits under the Short Term Disability Salary Continuation Plan described in the following pages are provided

More information

FOREWORD. Keith Brown Convenor, Heads of Workplace Safety & Compensation Authorities

FOREWORD. Keith Brown Convenor, Heads of Workplace Safety & Compensation Authorities FOREWORD This publication is an initiative of the Heads of Workplace Safety and Compensation Authorities (HWSCA). The HWSCA comprises the Chief Executives from all ten Australian Commonwealth State and

More information

LAWYERS New South Wales & Victoria. A transport accident is an incident directly caused by a motor car or motor vehicle, a railway train, or a tram.

LAWYERS New South Wales & Victoria. A transport accident is an incident directly caused by a motor car or motor vehicle, a railway train, or a tram. LAWYERS New South Wales & Victoria Transport Accident Commission (TAC) Claims FREQUENTLY ASKED QUESTIONS What is a transport accident? A transport accident is an incident directly caused by a motor car

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

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

Insurance Premiums Order 2014 2015

Insurance Premiums Order 2014 2015 New South Wales Insurance Premiums Order 2014 2015 under the Workers Compensation Act 1987 His Excellency the Lieutenant-Governor, with the advice of the Executive Council and on the recommendation of

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

CROWN EMPLOYEES (POLICE OFFICERS DEATH AND DISABILITY) AWARD 2005

CROWN EMPLOYEES (POLICE OFFICERS DEATH AND DISABILITY) AWARD 2005 (1851) SERIAL C4235 CROWN EMPLOYEES (POLICE OFFICERS DEATH AND DISABILITY) AWARD 2005 INDUSTRIAL RELATIONS COMMISSION OF NEW SOUTH WALES Application by New South Wales Police. (No. IRC 6040 of 2005) Before

More information

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

Government Gazette OF THE STATE OF

Government Gazette OF THE STATE OF 4315 Government Gazette OF THE STATE OF NEW SOUTH WALES Number 125 Tuesday, 8 October 2013 Published under authority by the Department of Premier and Cabinet SPECIAL SUPPLEMENT Guidelines for Work Capacity

More information

Redundancy A guide to the right choices

Redundancy A guide to the right choices 1 July 2007 Redundancy A guide to the right choices Inside this guide Introduction What benefits will you receive? How are these benefits taxed? What to consider when receiving an employment termination

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

Reforming the NSW Workers Compensation System. Rob Thomson General Manager, Workers Compensation WorkCover NSW

Reforming the NSW Workers Compensation System. Rob Thomson General Manager, Workers Compensation WorkCover NSW Reforming the NSW Workers Compensation System Rob Thomson General Manager, Workers Compensation WorkCover NSW Outline NSW System overview NSW Scheme performance Reforming the NSW System Recent initiatives

More information

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Simply Smarter Life Insurance Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Budget Direct Life Insurance and Budget Direct Accidental Death Insurance

More information

MAURICE BLACKBURN LAWYERS WORKCOVER VICTORIA

MAURICE BLACKBURN LAWYERS WORKCOVER VICTORIA MAURICE BLACKBURN LAWYERS WORKCOVER VICTORIA 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family shouldn t have to suffer. That

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

A GUIDE FOR PEOPLE INJURED IN A MOTOR VEHICLE ACCIDENT

A GUIDE FOR PEOPLE INJURED IN A MOTOR VEHICLE ACCIDENT A GUIDE FOR PEOPLE INJURED IN A MOTOR VEHICLE ACCIDENT CONTENTS General information 02 Early payment of expenses 03 The Accident Notification Form (ANF) 03 Who can make a claim Other driver or owner at

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

South Australia LAW REFORM (CONTRIBUTORY NEGLIGENCE AND APPORTIONMENT OF LIABILITY) ACT 2001

South Australia LAW REFORM (CONTRIBUTORY NEGLIGENCE AND APPORTIONMENT OF LIABILITY) ACT 2001 South Australia LAW REFORM (CONTRIBUTORY NEGLIGENCE AND APPORTIONMENT OF LIABILITY) ACT 2001 An Act to reform the law relating to contributory negligence and the apportionment of liability; to amend the

More information

Assessing Damages Under Section 151Z: An Interaction of Schemes

Assessing Damages Under Section 151Z: An Interaction of Schemes Assessing Damages Under Section 151Z: An Interaction of Schemes Andrew Parker Barrister Henry Parkes Chambers Ty Hickey Barrister State Chambers 1 Calculating damages under s 151Z(2) of the Workers Compensation

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

Industrial Injury Allowance Policy

Industrial Injury Allowance Policy Industrial Injury Allowance Policy 1. Aim The aim of this policy is to provide information to managers on the reporting of industrial injury related absence, and the mechanisms available to support employees

More information

Transport Workers Union NSW Insurance FAQs

Transport Workers Union NSW Insurance FAQs Transport Workers Union NSW Insurance FAQs The below Frequently Asked Questions is intended to provide general advice and summary explanations of the policy, coverage benefits and claims process only.

More information

QUEENSLAND TRUCKING ASSOCIATION LTD

QUEENSLAND TRUCKING ASSOCIATION LTD QUEENSLAND TRUCKING ASSOCIATION LTD ABN 64 009 963 053 3 rd September 2012 Finance and Administration Committee Parliament House George Street BRISBANE QLD 4000 Dear Committee, Re: Inquiry into the Operation

More information

Information for injured workers

Information for injured workers Information for injured workers Disclaimer This publication may contain work health and safety and workers compensation information. It may include some of your obligations under the various legislations

More information

WORKERS REHABILITATION AND COMPENSATION BILL 2009 SECOND READING SPEECH. Mr Speaker, I move that this Bill now be read for a second

WORKERS REHABILITATION AND COMPENSATION BILL 2009 SECOND READING SPEECH. Mr Speaker, I move that this Bill now be read for a second WORKERS REHABILITATION AND COMPENSATION BILL 2009 SECOND READING SPEECH Mr Speaker, I move that this Bill now be read for a second time. Mr Speaker, this is a Bill to amend the Workers Rehabilitation and

More information

Income Protection Scheme

Income Protection Scheme Income Protection Scheme CIVIL This brochure has been produced to assist workers in understanding the benefits that apply under the various insurance covers and the circumstances under which these benefits

More information

Submission on Review of Safety, Rehabilitation and Compensation Act 1988 Issues Paper September 2012

Submission on Review of Safety, Rehabilitation and Compensation Act 1988 Issues Paper September 2012 Submission on Review of Safety, Rehabilitation and Compensation Act 1988 Issues Paper September 2012 I should say that I have first-hand knowledge and experience with workers compensation claims by virtue

More information

Tort Reform: Scheme Impact

Tort Reform: Scheme Impact Tort Reform: Scheme Impact Prepared by Gae Robinson Presented to the Institute of Actuaries of Australia Accident Compensation Seminar 28 November to 1 December 2004. This paper has been prepared for the

More information

Signed:... (worker or representative) Guidelines for Claiming Compensation Benefits September 2013 Page 46 of 46

Signed:... (worker or representative) Guidelines for Claiming Compensation Benefits September 2013 Page 46 of 46 8 October 2013 SPECIAL SUPPLEMENT 4385 Additional Reports or Documents Please list and provide copies of all further information, reports and documents in support of this application for review................

More information

Registrar's Practice Guide for Work Injury Damages in the Workers Compensation Commission

Registrar's Practice Guide for Work Injury Damages in the Workers Compensation Commission Registrar's Practice Guide for Work Injury Damages in the Workers Compensation Commission The Workplace Injury Management and Workers Compensation Act 1998 ('the Act') establishes a process for progressing

More information

Legislative Update. legal challenge to new law. significant changes to oklahoma work comp

Legislative Update. legal challenge to new law. significant changes to oklahoma work comp Quality Insight for Your Industry Legislative Update significant changes to oklahoma work comp Since our last Legislative Update on the new Workers' Compensation system in Oklahoma, the NCCI filed a 12.9%

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

The Hospital Authority of Valdosta and Lowndes County dba South Georgia Medical Center

The Hospital Authority of Valdosta and Lowndes County dba South Georgia Medical Center LIFE INSURANCE COMPANY OF NORTH AMERICA 1601 CHESTNUT STREET GROUP POLICY PHILADELPHIA, PA 19192-2235 (800) 732-1603 TDD (800) 552-5744 A STOCK INSURANCE COMPANY POLICYHOLDER: POLICY NUMBER: The Hospital

More information

Wages definition manual

Wages definition manual Wages definition manual Information for employers Controlled uncontrolled if printed/copied Page 1 of 14 Table of contents 1. Introduction... 4 1.1 Reviews and queries... 4 1.2 Definitions dictionary...

More information

Reimbursement of Actual Expenses Policy. University-wide. Staff Only Students Only Staff and Students. Vice-Chancellor. Chief Operating Officer

Reimbursement of Actual Expenses Policy. University-wide. Staff Only Students Only Staff and Students. Vice-Chancellor. Chief Operating Officer Name of Policy Description of Policy Reimbursement of Actual Expenses Policy This policy relates to the reimbursement to staff of expenses associated with carrying out University business. University-wide

More information

NHS Injury Benefit Scheme Employer Guidance TIA

NHS Injury Benefit Scheme Employer Guidance TIA Injury Benefits Scheme NHS Injury Benefit Scheme Employer Guidance TIA Employer Guidance Temporary Injury Allowance (TIA) V4 10/2012 1 Employers should do all they reasonably can to identify cases where

More information

The Police Pension Scheme 2015. Members Guide

The Police Pension Scheme 2015. Members Guide The Police Pension Scheme 2015 Members Guide 1 Contents 1. Introduction... 6 2. The Police Pension Scheme 2015 at a glance... 8 2.1 Key features... 8 2.2 Pension benefits for members... 8 2.3 Benefits

More information

COMPARISON OF WORKERS COMPENSATION ARRANGEMENTS

COMPARISON OF WORKERS COMPENSATION ARRANGEMENTS HEADS OF WORKERS COMPENSATION AUTHORITIES COMPARISON OF WORKERS COMPENSATION ARRANGEMENTS & NEW ZEALAND OCTOBER 2003 CONTENTS Statistical Information 2 Scheme Details 4 Scheme name 4 Legislation 4 Responsibility

More information

WORKERS COMPENSATION A PROGRAM FOR REFORM IN SOUTH AUSTRALIA

WORKERS COMPENSATION A PROGRAM FOR REFORM IN SOUTH AUSTRALIA Business SA Enterprise House 136 Greenhill Road Unley South Australia 5061 Telephone 08 8300 0000 Facsimile 08 8300 0001 www.business-sa.com BUSINESS SA HEADER CONTENTS HEADER Introduction 2 Overview 3

More information

ACE JOURNEY ACCIDENT INSURANCE

ACE JOURNEY ACCIDENT INSURANCE ACCIDENT & HEALTH ACE JOURNEY ACCIDENT INSURANCE SUMMARY OF KEY CHANGES Please note: This document provides a brief summary of the key changes made to the ACE Journey Accident Insurance Policy Wording

More information

ACE VOLUNTARY WORKERS INSURANCE

ACE VOLUNTARY WORKERS INSURANCE ACE VOLUNTARY WORKERS INSURANCE SUMMARY OF KEY CHANGES Please note: This document provides a brief summary of the key changes made to the ACE Voluntary Workers Insurance Wording and Product Disclosure

More information

WorkCoverSA. Injury and Case Management Manual Chapter 9: Payment entitlements

WorkCoverSA. Injury and Case Management Manual Chapter 9: Payment entitlements WorkCoverSA Injury and Case Management Manual Chapter 9: Payment entitlements November 2009 Contents Chapter 9: Payments entitlements...5 Centrelink, other Commonwealth benefits and private garnishees

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

Home Warranty Insurance - Western Australia Insurance Policy

Home Warranty Insurance - Western Australia Insurance Policy Home Warranty Insurance - Western Australia Insurance Policy CBHWA WA 1208 Effective Date 01 December 2008 Important Information Duty of Disclosure This Policy is subject to the Insurance Contracts Act

More information

November 2012 Page 1 of 13. MRC Redundancy Compensation Scheme 2011

November 2012 Page 1 of 13. MRC Redundancy Compensation Scheme 2011 November 2012 Page 1 of 13 MRC Redundancy Compensation Scheme 2011 USING THIS BOOKLET This booklet is a guide to the benefits to be provided in the event of redundancy and came into effect from 26 September

More information

WORKERS' COMPENSATION BENEFITS Claims Between January 1, 1990 and December 31, 1997

WORKERS' COMPENSATION BENEFITS Claims Between January 1, 1990 and December 31, 1997 WORKERS' COMPENSATION BENEFITS Claims Between January 1, 1990 and December 31, 1997 The following information relates to workers injured on the job between January 1, 1990 and December 31, 1997. Accidents

More information

b. Accident Insurance policy means the Accident Insurance policy arranged under By-law 11.4.5.b.i.

b. Accident Insurance policy means the Accident Insurance policy arranged under By-law 11.4.5.b.i. 11.4 MINISTERS BENEFIT FUND 11.4.1 The Synod shall establish a fund to be known as the Ministers Benefit Fund which shall be administered by the CEO/General Secretary of the Synod. DEFINITIONS 11.4.2 In

More information

THE LAW SOCIETY OF NEW SOUTH WALES

THE LAW SOCIETY OF NEW SOUTH WALES THE LAW SOCIETY OF NEW SOUTH WALES Our ref: Injury:RElw860345 30 May 2014 Ms Sarin a Fisher The Centre for International Economics Suite 1, Level 16 1 York Street SYDNEY NSW 2000 By email: sfisher@thecie.comau

More information

HUDSON SALARY GUIDES 2015

HUDSON SALARY GUIDES 2015 Australia HUDSON SALARY GUIDES 2015 Office Support about this publication This Salary Guide is a compilation of salary and market information provided by Hudson consultants, clients, candidates and other

More information

Short Term Disability Income Protection Plan

Short Term Disability Income Protection Plan Short Term Disability Income Protection Plan Effective Date: January, 1, 2015 Contact Information Plan Administrator: Address and Telephone #: Prime Therapeutics, LLC 1305 Corporate Center Drive Eagan,

More information

MAURICE BLACKBURN LAWYERS SUPERANNUATION & DISABILITY INSURANCE DISABILITY BENEFITS

MAURICE BLACKBURN LAWYERS SUPERANNUATION & DISABILITY INSURANCE DISABILITY BENEFITS MAURICE BLACKBURN LAWYERS SUPERANNUATION & DISABILITY INSURANCE DISABILITY BENEFITS 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and

More information

GUIDANCE NOTE ON THE CALCULATION OF REIMBURSABLE AMOUNTS AND ELIGIBLE WAGES FOR THE PURPOSE OF CALCULATING LONG SERVICE LEAVE LEVY

GUIDANCE NOTE ON THE CALCULATION OF REIMBURSABLE AMOUNTS AND ELIGIBLE WAGES FOR THE PURPOSE OF CALCULATING LONG SERVICE LEAVE LEVY GUIDANCE NOTE ON THE CALCULATION OF REIMBURSABLE AMOUNTS AND ELIGIBLE WAGES FOR THE PURPOSE OF CALCULATING LONG SERVICE LEAVE LEVY THE PURPOSE AND NATURE OF THIS GUIDANCE NOTE This Guidance Note is provided

More information

SUNCORP GROUP LIMITED

SUNCORP GROUP LIMITED SUNCORP GROUP LIMITED ABN 66 145 290 124 EXEMPT EMPLOYEE SHARE PLAN TRUST DEED 5709273/1 TABLE OF CONTENTS 1. PURPOSE... 1 2. DEFINITIONS... 1 3. OPERATION OF THE PLAN... 4 4. HOW THE PLAN WORKS... 4 5.

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

STATE OF VERMONT AGENCY OF HUMAN SERVICES DEPARTMENT OF CORRECTIONS. Directive: 393.01

STATE OF VERMONT AGENCY OF HUMAN SERVICES DEPARTMENT OF CORRECTIONS. Directive: 393.01 STATE OF VERMONT AGENCY OF HUMAN SERVICES DEPARTMENT OF CORRECTIONS Directive: 393.01 Subject: Inmate Workers Compensation Effective Date: June 15, 1994 Review and Re-Issue Date: Supersedes: NEW APA Rule

More information

Short-Term Disability Pay Policy for Hourly & Commissioned Associates

Short-Term Disability Pay Policy for Hourly & Commissioned Associates Short-Term Disability Pay Policy for Hourly & Commissioned Associates POLICY DESCRIPTION Effective March 1, 2014 Effective March 1, 2014, Updated November 26, 2013 1 of 15 Table of Contents Table of Contents...

More information

Asteron Lifeguard Enhancements Income Shield Super

Asteron Lifeguard Enhancements Income Shield Super Enhancements Income Shield Super CONTENTS 1.0 Summary of changes 2 2.0 Enhancements to Included Income Shield Super Benefits 3 2.1 New 5 Year Benefit Period for S Class Occupations 3 2.2 Improved Sick

More information