Degenerative Disease – A Business Burden
After 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.
There 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?
WorkCover 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.
One thing that was certain in our minds leading into the NSW State Election was that whichever party was elected there would be resulting significant workers compensation changes. To put this in context, SA has undergone the largest changes in over 20 years. Comcare, the national scheme, faces widespread change to modernise and keep relevant. NSW has experienced dramatic change and with the return of the Liberal government the 
Our business growth is built on providing our clients and partners with tailored services/solutions. We choose to partner with select general insurance brokers in offering specialist workers compensation related services to their clients. We find businesses that choose to engage a broker benefit in numerous ways. Businesses can save money, improve cover, reduce risks and much much more.