In order to lodge a claim, you will need to fill out a notification of injury form. You will also need to get a Workcover medical certificate, and file both of these documents with your employer. The employer will then make contact with their insurer, who must contact you within three days to discuss your circumstances. They will want to know details such as how the injury occurred, the extent of your injuries, and the current and future impact of your injuries on your work.
You should lodge your claim as soon as possible, as time limits apply to these types of claims. A claim must be lodged within six months of the date of injury. There are some exceptions to this rule.
Workers compensation is designed to cover injuries that occur from activities in the scope of your work. This can include:
- injuries sustained during travel to and from work
- injuries sustained at an educational institution, if attendance is a requirement of your work
- injuries sustained at an off-site workplace and
- injuries sustained during work breaks.
It depends on the circumstances. If the injury is completely or partly your own fault, for example due to reckless driving, you will not be covered. Similarly, if your injuries occurred during or after a significant delay from your journey to or from the workplace, you will not be covered.
Normally, compensation payments will be paid in installments. However, where the injury has lead to a permanent impairment, you may be entitled to lump sum payments in addition to your ongoing benefits. The scheme determining the amount of payment you will receive is complex, and depends on the extent of your injury and ongoing impairment.