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
Construction related work is considered one of the more dangerous or high risk occupations. Heights, heavy and large equipment, complex machinery and unstable ground are just some examples of what workers face in undertaking their work. With the number of construction industry workers having grown by 33% over the last 11 years, site safety is increasingly important and front of mind for most businesses in this industry. No matter how well trained or careful workers claim to be, due to the nature of their jobs construction workers are constantly exposed to hazardous conditions and dangerous situations. To highlight Australia’s National Safe Work Month, here are 5 steps to assist in making construction sites safer.
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.
A healthy workplace is not only good for your workers, it can also be very beneficial for your business. Implementing Wellness or Work Health Programs that focus on preventative health and lifestyle improvement often lead to greater productivity, less absenteeism, fewer injuries and a reduction of longer term costs. Even small changes can have a huge impact. For 5 Tips for a Healthier Workplace
With the Easter long weekend upon us and with most NSW insurers having completed their outstanding renewal premium processing, ABILITY GROUP have been assisting clients and brokers with a larger number of enquiries regarding icare (previously WorkCover) Wage Audits.
Icare have a compliance program that verifies if employers have paid their correct premium. To ensure that employers are paying the appropriate workers compensation premium, legislation gives icare and the Nominal Insurance Agent right to access an employer’s wage records in conducting a Wage Audit. When an audit reveals a business has under declared their wages, the employer must pay the outstanding premium as well as a late payment fees dating back to when the premium was originally due. In addition, when wages have been under declared by more than 25%, the employer will be charged the wage audit cost.
Approximately 1 in 3 workplace accidents result from manual handling related injuries and inexperienced employees often being at the greatest risk. Whether onsite or in offices these injuries can be avoided or minimised with appropriate training. Good posture and lifting techniques can help reduce the risks. Evidence also suggests workplace changes can also be effective strategy to minimise injuries.
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.
We are excited to welcome Tania to ABILITY GROUP. After 4 years as a clinical physiotherapist, Tania joins HEALTH ABILITY as a specialist rehabilitation consultant. With expertise in assessing and treating a variety of injuries, impairments and conditions, Tania’s professional and enthusiastic approach will assist in accelerating the return to work of injured workers following a workplace injury.Read more