Employees who operate machinery & equipment as part of their job are at risk of major injury if the correct safety precautions are not taken. There are specific laws for working with machinery & equipment. Recent data from SafeWork NSW highlight risks.Read more
At the end of April 2017, icare announced 2018 claims service partners for the NSW Workers Compensation scheme. As a shock to most in the industry, icare communicated that EML had been successful in being selected as the sole agent for new NSW cworkers compensation claims effective from 1 January 2018. This is a major change for NSW with the remaining 4 existing agents (i.e. Allianz, CGU, GIo & QBE) existing at various times.Read more
After a new client engaged ABILITY GROUP to assist with a complex claim, our efforts secured a fantastic outcome that will save our client approx. $400,000 in premium increases. By the time we were involved, solicitors and an arbitration date we already booked. The insurer had communicated very little to the client and what the injured worker was seeking through a settlement was a large amount that would have significantly impacted their premium.Read more
Early intervention practices can foster a happy & healthy workplace. Responding early to incidents or situations, can help prevent workers from becoming ill, taking long-term sick leave or submitting a workers compensation claim. Policies & procedures also play an important role.Read more
The Christmas – New Year period has historically proven to be a busy period for workers compensation. Due to a variety of reasons, we see a higher frequency of claims during this period. Last December and just before Christmas break / public holidays, one of our clients had a psychological claim lodged against them. The worker had been terminated two weeks prior to the claim being lodged.Read more
Has one of your workers been injured outside of work and do you, as an business have an obligation to provide assistance to your worker? A non-work related injury/illness is defined as an injury or illness that did not arise out of or in the course of the workers employment. An injured worker includes a person with a temporary or permanent disability, physical or otherwise. It is important for businesses to be aware that allowing an injured worker to return to work after suffering an injury, especially a non-work related one, can be risky. If a worker returns to work before they are fit to do so and consequently aggravates his or her condition, the employer may find they are liable for a workers’ compensation claim.
Occupational violence is an incident where a worker is physically attacked in the workplace or during work related activities. It also extends to if a worker is threatened in a way that causes them to reasonably believe they are in danger of being physically attacked. With an ageing population, ensuring aged and other care workers are able to cope with the at times aggressive behaviour associated with some types of dementia or disabilities is an important issue for care providers. Recent data shows care workers represent more than 9 percent of NSW workers compensation claims with over 12,000 physical and mental claims made in the recent 3 year period. Addressing workplace bullying and violence be challenging yet SafeWork Australia provide recommendations.
Clients and brokers often ask us about workers compensation in Queensland and being a Government run scheme there are important differences. Some of the key differences include Accident Insurance is specific and compulsory cover for employees whereas the optional Workplace Personal Injury Insurance will cover those not deemed eligible under the Accident Insurance. In Queensland, the scheme is operated entirely by the state. The Workers’ Compensation and Rehabilitation Act 2003 (the Act) states that employers must insure their workers with WorkCover Queensland under an accident insurance policy within five days of commencing employment. However, directors, partners of a partnership, sole traders and trustees are excluded from coverage as they are not considered workers. There is no threshold that businesses must reach before insuring in Queensland and businesses cannot pay for any of their own claim costs in Queensland.
The main focus of the workers compensation is to enable injured workers to stay at work or return to work following a work related injury. Workplace rehabilitation plays an important role by involving timely intervention with appropriate and adequate service based needs to assist injured workers back into the workplace. We are pleased to say our specialist rehab business HEALTH ABILITY has a 100% return to work rate and can support businesses.