WorkCover Queensland provides comprehensive coverage for employees who suffer work-related injuries or illnesses. This coverage includes various types of payments and benefits, such as weekly compensation, medical and rehabilitation expenses, and other associated costs. Below is a detailed overview to help you understand what payments are covered by WorkCover Queensland, such as the percentage of salary paid and the types of claims that can be made.
Weekly Compensation Payments
WorkCover Queensland provides weekly compensation payments to employees who are unable to work due to a work-related injury or illness. The amount of these payments is calculated based on the employee's Normal Weekly Earnings (NWE) and varies over time:
- First 6 months: 85% of the employee's NWE.
- Next 3 months: 75% of the employee's NWE.
- Following 3 months: 70% of the employee's NWE.
- After one year: Payments drop to 65% of the employee's pre-accident NWE.
These payments are subject to tax deductions but do not include superannuation contributions unless specified by an industrial agreement.
Medical and Rehabilitation Expenses
WorkCover Queensland covers a wide range of medical and rehabilitation expenses, provided they are deemed reasonable and necessary for the treatment of the work-related injury or illness. These expenses include:
- Medical Treatment: Costs for treatment by registered medical practitioners, including doctors, physiotherapists, dentists, and other allied health professionals.
- Medical Items: Necessary items such as dressings, medicines, and medical equipment like crutches and wheelchairs.
- Hospital Costs: Both non-elective and elective hospitalisation costs, subject to prior approval for elective procedures.
- Rehabilitation Services: Services that support the employee's recovery and return to work, including physiotherapy, occupational therapy, and psychological services.
- Travel Expenses: Costs related to travel for medical and rehabilitation appointments, provided they are pre-approved and considered necessary.
Statutory WorkCover Claims
Statutory claims are no-fault claims where compensation is paid regardless of who was at fault for causing the injury. The benefits under statutory claims include:
- Weekly Payments: As detailed above, these payments replace lost income while the employee is unable to work.
- Lump Sum Payments: Compensation for permanent impairment resulting from the injury.
- Medical and Hospital Expenses: Coverage for all necessary medical treatments and hospital stays.
- Rehabilitation Costs: Expenses related to rehabilitation services aimed at helping the employee return to work.
- Travel and Other Costs: Reimbursement for travel expenses related to medical treatment and other necessary costs, such as parking and meals during travel for treatment.
Industry-Specific Considerations
The percentage of salary paid and the benefits provided can vary based on industry-specific award schemes and agreements. For example, some industrial agreements may require employers to continue paying superannuation contributions while an employee is receiving workers' compensation. Additionally, the specific terms of compensation and benefits may be influenced by the employee's award or workplace agreement.
Additional Support and Benefits
WorkCover Queensland also offers additional support and benefits to help injured employees return to work and manage their recovery:
- Return to Work Programs: Programs designed to facilitate an early, safe, and sustained return to work.
- Rehabilitation and Retraining: Funding for education or training programs if the employee cannot return to their previous job due to the injury.
- Injury Prevention and Management Programs: Tailored safety advice and injury management support for employers to create safer workplaces and reduce injury rates.
FAQs
I normally do overtime, will the WorkCover weekly payments cover that?
WorkCover weekly payments are calculated based on your Normal Weekly Earnings (NWE), which typically includes regular overtime and allowances. It's essential to provide detailed information about your earnings, including overtime, when lodging your claim to ensure you receive accurate compensation for your losses.
When do the weekly payments stop?
Weekly payments from WorkCover Queensland continue until you can return to work, reach maximum medical improvement, or reach the statutory limit for payments. After one year, the payment rate is reduced. If you are still unable to work, other options for support and compensation may need to be considered.
Seeking Further Advice
WorkCover Queensland provides a robust safety net for employees who suffer work-related injuries or illnesses, covering a wide range of payments and benefits.
These include weekly compensation payments, medical and rehabilitation expenses, and additional support to facilitate recovery and return to work. The specific benefits and compensation percentages can vary based on industry-specific award schemes and agreements, ensuring tailored support for different sectors.
For personalised advice and assistance with your WorkCover claim, contact Smith's Lawyers at 1800 960 482 or request a free case review online.
