Your injury may be sudden, such as from an accident or happen progressively over time, for example repetitive strain injury due to repeat lifting or cancer due to repeated exposure to chemicals.
Your injury can be a physical injury or a psychological injury.
To bring a workers compensation claim, you don’t have to prove your employer was negligent (at fault) but you do have to establish that your injury arose out of or in the course of your employment and that your work was either a substantial contributing factor to the injury or the main contributing factor if you contracted a disease from your work.
Below I have set out some commonly asked questions and provided some useful links to enable you to obtain a Claim Form and a Certificate of Capacity.
Having read the information provided below, if you are unsure how to proceed or think you have other rights in additional to your workers compensation rights, please call me on 02 9252 8824 or email me on mary@mtmlegal.com.au. I will give you advice on how to proceed and whether you should engage a lawyer at this stage in your claim. I understand that being injured and trying to work out how to bring a claim can be very frustrating. I can give you help with your claim. I have over 16 years experience working as a personal injury lawyer, initially for a large personal injury firm and more recently working for myself.
The claim should be lodged as soon as possible and must be lodged within 6 months of the date of injury. Your employer is obliged to provide you with the necessary claim form to lodge if you request it. You can also obtain the claim form from the Work Cover NSW webpage: Click Here
A claim can still be lodged outside the 6-month period if there is a reasonable cause to explain why the claim was not lodged within 6-months of the injury.
Your employer is obliged to provide you with the name of the Workers Compensation Insurer. If your employer refuses to do so, contact Work Cover on 13 50 50. If you provide your employer’s details, Work Cover will be able to advise you of the details of the Workers Compensation Insurer.
Employers in NSW are obliged to carry workers compensation insurance. If your employer does not have insurance or if you cannot identify the insurer, you can still bring a claim by lodging your claim with the Nominal Defendant, WorkCover NSW, Locked Bag 2906, Lisarow 2252.
What you must do if injured at Work
If you are injured at work you must:
The compensation you can claim will depend on your individual circumstances but as a general rule you may be entitled to:
If you have a degree of Impairment of at least 15% Whole Person Impairment and you were injured due to your employer’s negligence you may also be entitled to bring a Work Injury Damages claim to recover you full past loss of wages and your future loss of wages and superannuation.
The amount the insurer has to pay in weekly payments is determined by the NSW Workers Compensation Legislation.
If you have no work capacity
If you have some work capacity
Once your condition is stabilised you may be entitled to a lump sum payment. Generally your condition will be considered stabilised 12 months post injury or 6 to 12 months post surgery. You are only entitled to a lump sum payment if your degree of Whole Person Impairment (WPI) is greater than 10%. You are entitled to only one lump sum payment for the same injury, thus it is important to wait until your condition is stabilised before making the claim. There are some exceptions to this rule, thus you may need to seek legal advise in relation to your individual case.
Once your medical condition has stabilised, I would send you to see a workers compensation accredited doctor to give an opinion on your degree of whole person impairment. If your degree of impairment is 11% or more I would discuss with you putting an offer based on the percentage of impairment. The insurer has 2 months to either accept the offer or send you to a doctor of its choice for an opinion on WPI.
If agreement cannot be reached as to the lump sum amount you should receive, your case may have to be lodged with the Workers Compensation Commission for an independent doctor from the Commission to give an opinion regarding your degree of WPI.
You only need to engage a lawyer if there is a dispute with the insurer, for example:
The insurer has wide powers to make a decision as to your work capacity and the legislation gives you very limited rights of review of the insurer’s work capacity decision. This is different from the situation where the insurer denies liability and for that reason refuses to pay weekly payments. If this occurs and you are not sure of your rights and options I am happy to speak with you to give you further information.
You should speak with a lawyer at the onset of your claim to find out if you have other legal rights outside of Workers Compensation which may be more generous. For example you may have been injured while working in faulty premises not owned by your employer. In this case you may have a public liability claim against the owner of the building as well as your workers compensation claim. There is generally a 3-year limitation period for such civil claims. That means Court documents for the claim must be lodged within 3 years of your injury.
It is also advisable to have a lawyer involved to bring a s66 lump sum claim on your behalf.
Legal Costs under the Workers Compensation Scheme
If you engage a lawyer to represent you due to a dispute with the insurer or to bring a lump sum claim, you won’t incur legal costs as the lawyer’s legal costs are covered by the Government WIRO grant scheme, which the lawyer will apply for on your behalf.
Separate to your entitlements under the Workers Compensation Scheme you may also be entitled to bring a claim called a Work Injury Damages Claim (WID).
You can only bring a WID claim if:
Before you can bring a WID claim you must first have received the s66 lump sum.
You need a lawyer to bring a WID claim. Such a claim only entitles you to claim past and future loss of wages including superannuation.
Generally a WID claim has to be lodged with the Court within 3 years of the date of your injury.
Legal Costs in a Work Injury Damages Claim are different to a workers compensation claim. WIRO does not pay the legal costs in a Work injury Damages claim. The insurer will pay some of your legal costs if you win your case.
The legal costs consist of two components:
– The Professional Costs for the work I do in running your case. The insurer has to pay a proportion of those costs. You do not have to pay my professional costs until you receive compensation from your case. If you don’t receive compensation I don’t seek the payment of my costs – this is referred to as a conditional cost agreement or a no win no fee agreement.
In the event your case goes to court and you lose the case, the court would order you to pay a proportion of the insurer’s legal costs.
– Disbursements. This refers to money spent on obtaining the evidence, for example medical records and reports, engineer’s reports, accountant’s reports and also expenses incurred in photocopying/printing/phone and faxes. If you can pay the disbursements as they are incurred, particularly for medical reports you will avoid incurring overdraft interest. If you win your case the insurer will have to reimburse you for a percentage of the disbursements incurred. Unless you elect to pay the disbursements as they are incurred, the disbursements also do not become payable until you receive compensation.
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