Worker’s Compensation Insurance is an accident insurance for work-related injuries and will pay compensation to employees who are injured at work. WorkCover Queensland is the primary provider of this insurance in Queensland. We've provided some plain English answers on what Workcover covers below.
WorkCover insurance covers a broad range of injuries including:
Common physical injuries include back strains, other muscular strains, fractured bones, soft tissue damage, burns, cuts and wounds.
Psychiatric or psychological conditions, such as anxiety disorders may be covered by WorkCover as long as they are caused by employment.
A PPI may be caused by excessive fatigue, bullying, work pressure or stress, violence, poor working conditions or a traumatic event.
A psychiatric or psychological injury might not be covered if:
When deciding a psychiatric or psychological injury claim, WorkCover will discuss the events that gave rise to the injury with you, your treating doctors and your employers.
WorkCover also covers injuries that do not occur because of one particular event. Injuries such as industrial deafness or repetitive strain injury that result from exposure to certain conditions over a period of time, are also covered.
This includes injuries that only surface or are able to be identified a long time after they were caused. For example, prolonged exposure to certain chemicals may result in an employee contracting a disease which only manifests many years later. WorkCover will cover such an injury even though the worker didn’t make a claim at the time the injury was being caused.
WorkCover covers injuries that are aggravations of a pre-existing condition whether or not the pre-existing condition resulted from a work-related injury. For example, if a worker has a pre-existing back strain and he does further damage by lifting something at work it may be considered an aggravation of a pre-existing condition. An aggravated injury can be the subject of a new claim in its own right. However, WorkCover will only pay for the treatment and costs associated with the aggravation, not the original injury. In some circumstances however, WorkCover may reopen an initial claim if a worker experiences ongoing symptoms after returning to work from a workplace injury.
If a person dies as a result of a work-related injury or disease, their family may make a WorkCover claim on their behalf. NOTE: Since not every case is the same, WorkCover will examine your particular case and make a personal decision on whether your injury is covered based on the circumstances.
When you make a statutory claim that is accepted, WorkCover will pay a range of benefits including:
This may be up to 85% of your average pre-accident declarable income (what you would declare to the Tax Office). It is paid directly into your bank account by WorkCover like your salary. This compensation table can be used as a guide.
WorkCover will pay for your medical and rehabilitation costs such as:
*Elective treatment is a procedure that you and your doctor decide is appropriate for the effective treatment of your injury, but does not involve urgent life-threatening injuries or injuries where there is a risk of serious damage to a limb or organ.
WorkCover will pay for your travel expenses to appointments for medical treatment, rehabilitation, medical examinations and with the Medical Assessment Tribunal which are over 20km in one direction. They may not pay travel expenses to a medical appointment if there is a closer medical provider you could attend instead. Travel expenses are calculated based on what is the most reasonable mode of transport for you to take. WorkCover may also pay for your parking when required and meals if need to travel a whole day or overnight.
If a work-related injury or disease results in a permanent impairment, a compensation payout may be offered by WorkCover. A permanent impairment is a physical limitation from an injury that persists after treatment over a period of time and is not likely to improve with any more treatment. WorkCover may have your permanent impairment assessed in order to calculate an offer of lump sum compensation to you.
If a person dies as a result of a work-related injury or disease, their family may make a WorkCovers compensation claim. In this case WorkCover may pay a lump sum compensation payment, quarterly payments for loss of income to dependants, as well as the cost of the deceased’s funeral.
Under a statutory claim, WorkCover will not pay for:
Because a common law claim requires you to bring a law suit, there is no automatic rights to benefits. You must make a claim against your employer for an amount that compensates you for the damage you have suffered because of your injury. However the court will ultimately decide how much you should receive. To figure out how much compensation you are entitled to, the court will add up all the different damages that you are entitled to. These include damages to compensate you for;
It’s important to get advice for your specific situation. Check if you can make a risk-free compensation claim and get free initial advice from our Principal lawyer, Greg Smith.
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