Monthly Archives: April 2015

What’s Covered By Workers Compensation

What's CoveredAn accident at the Sydney Royal Easter Show resulting in several employees being badly injured whilst playing on the super-slide at 12:20am and after the show closed, would make many question if they should be covered by workers compensation. Given the severity of the injuries, WorkCover NSW are investigating this particular incident. Reflecting on this, we recall clients and partners asking what is and isn’t covered by workers compensation?
Unfortunately for business owners, workers compensation is a no-fault system where employees or sub-contractors who are even under the influence of drugs and alcohol or acting carelessly are typically covered. Given each scheme (state, specialised licences, national, etc.) is different, there is regrettably no easy answer. What this means is businesses need to be acutely aware and cautious.

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Degenerative Disease – A Business Burden

Degenerative Disease Business BurdenAfter being involved with numerous degenerative disease claims, a business can be held unfairly liable for such claims. The workers compensation system, processes and insurers often hold the employer liable for the full claims costs.

At ABILITY GROUP we advocate for clients and partners in securing the best possible outcome for their business and injured workers. In our experience businesses are often wrongfully held liable for the actions and decisions made by an individual during the years prior to being employed by the current business. Regrettably if proactive or preventative actions are not adopted by businesses, then the ability to have such degenerative disease related claims declined becomes extremely difficult.

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Is Sitting Killing Us

Is Sitting Killing UsThere is growing evidence sitting or a sedentary lifestyle can result in chronic and even deadly health conditions. Many assume it is mostly office workers who are spending increasing time sitting yet there are many jobs that are also at risk. Majority of time sitting is work related yet once people leave work they also spend significant time sitting watching TV or the likes. What does the research say and what can be done?

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WorkCover WA Recommends Change

WorkCover WA Rate ChangeWorkCover WA has announced a recommended 4.7% decrease in the premium rate for compulsory workers’ compensation insurance in Western Australia. The average premium rate would reduce to 1.483% of 2015/16 total wages and is a record low. Reductions are based on actuarial calculations reflecting lower claims despite these claims costing more.

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