What is covered by Workers Compensation Insurance?
In New South Wales, the organisation responsible for Workers Compensation is the WorkCover Authority of New South Wales.
Regardless of the type of your employment, your employer will usually have a Workers Compensation insurance policy. This policy covers you for many things, including:
- Physical disability caused by an injury at work
- Long-term illness caused by your nature and conditions of employment
- RSI (Repetitive Strain Injury)
- Mental illness (including stress)
- Hearing loss
- Injury caused while travelling during work
Workers Compensation can be paid in three ways by the insurers: it can be paid as a lump sum, weekly benefits and medical expenses.
There are 3 heads of entitlements in Worker Compensation, namely lump sum, weekly benefits and medical expenses.
Lump Sum Compensation
A claim for lump sum compensation can be made in the event the injury has resulted in permanent impairment. That claim depends on how serious your injuries are and how they restrict your ability to work. Permanent impairment assessments are determined by WorkCover-trained medical specialists.
Weekly Benefits Compensation
A claim for weekly benefits will depend on the following:
- Your average weekly earnings before your injury
- Your capacity to work after your injury and earnings
- Time you are totally incapacitated from work
Medical Expenses Compensation
A claim for medical expenses depends on whether they are reasonable and necessary in accordance with the law and your injury. These claims can include expenses for treatment and surgery, which need to be pre-approved by the insurance company. There are time limits on claiming and recovering medical expenses.
If you require assistance with your Workers Compensation Claim, call Gajic Lawyers today on 02 9890 5885 (Parramatta) or 02 9727 2277 (Cabramatta).