If you have experienced a work-related injury that has left you uncertain about the future, we empathise with the difficulties you may be encountering. If you are coping with a lasting impairment and feeling unsure about your next course of action, there is a possibility that you may qualify for a worker’s compensation claim.
This comprehensive guide on potential payouts of a claim is designed to help you understand your potential eligibility and the process involved. This way, you can make an informed decision and secure the compensation that you rightfully deserve.
What is Workers’ Compensation?
Every Australian worker is entitled to a secure and safe workplace where the risk of injury is minimised. The workers’ compensation scheme is a protective measure designed to guarantee that workers harmed on the job can recuperate both physically and financially.
By law, every workplace should have insurance policies in place to address workplace accidents and compensate affected employees. The compensation can cover unforeseen and continuous medical expenses, wage losses resulting from work absence, and the cost of rehabilitation, if necessary.
Furthermore, in the tragic event of a worker’s death, while performing their duties, the compensation scheme ensures that their families receive due payouts.
Eligible Injuries for Workers’ Compensation Claims
There are a variety of injuries that can be sustained in the workplace, and each may result in varying degrees of eligibility for a compensation payout. Commonly accepted claims include:
- Physical Injuries
- Psychiatric/Psychological Disorders
- Work-Related Respiratory Diseases
- Death From Injuries or Diseases
Compensation claims may also cover situations where your employment conditions worsen pre-existing injuries or diseases. This means that if your work environment aggravates a pre-existing condition, you may be eligible to seek compensation.
Specifically, medical conditions such as cancer, stroke, asthma, and heart disease, which can be negatively affected by the nature of your work, are often considered in such claims. This highlights the comprehensive nature of the workers’ compensation scheme, which aims to safeguard workers’ rights and uphold their well-being.
Assessing Your Eligibility: Do You Have a Viable Workers’ Compensation Claim?
Suffering a workplace injury or enduring a long-term illness caused by work conditions can deeply affect your personal and professional life, casting a cloud of uncertainty over you and your loved ones. As you navigate the journey to recovery, the added financial burdens can intensify your stress levels. To assist you in making a workers’ compensation claim, here are five indispensable steps to guide you through the process:
- Seek Immediate Medical Help: Ensure you let your doctor know that your injury or illness is work-related. Your medical practitioner will provide you with a workers’ compensation medical certificate, which is crucial for your claim.
- Report the Incident to Your Employer: It’s important to notify your employer about the incident and any injuries you’ve sustained. Provide them with your workers’ compensation medical certificate.
- Document Everything: Keep copies of all your documents, including medical reports and incident reports. It’s crucial to lodge your forms and claim with your employer promptly.
- Get Legal Advice: Seek counsel from our experienced personal injury lawyers. They will ensure your legal rights are upheld and will help secure the maximum compensation you deserve.
- File Your Claim: Lodge your compensation claim through WorkCover Queensland. You can lodge it yourself, or your employer may assist in lodging the claim on your behalf.
Please remember that time limits apply, including for making a common law claim. It’s, therefore, critical to initiate your claim as soon as possible and seek legal advice.
Determining Your Workers’ Compensation Payout: Factors and Types of Claims
When you submit a claim for workers’ compensation, your entitlement to weekly benefits is influenced by various elements. These encompass the date of your injury, the nature of the injury or permanent impairment you’ve sustained, the duration of your work absence, and whether your employment is under an industrial award.
The types of claims you can make are dependent on the severity of your injuries or permanent impairment and their overall impact on your life. Broadly, there are three main types of claims:
- WorkCover Benefits or Statutory Benefits: This avenue covers medical and rehabilitation expenses, wage benefits, and lump sum compensation.
- Common Law Damages: This claim type can compensate you for pain and suffering, loss of income (including past and future earning abilities), medical and rehabilitation expenses (including future medical needs due to your injury), paid care and assistance, as well as loss of past and future superannuation benefits.
- Other Personal Injury Claims: You may be eligible to submit a claim under this category in specific scenarios. For instance, if you’ve been involved in an accident while commuting to or from your workplace and suffered injuries, you may be able to make a workers’ compensation claim concurrent with a motor vehicle accident claim. Another example is if you are unable to return to work due to a workplace injury or illness, you may qualify to submit a Superannuation/Total and Permanent Disability (TPD) Insurance claim.
Choosing the right compensation pathway is a crucial step in your recovery journey, and having accurate information will help you make an informed decision.
Workplace injuries or illnesses can occur suddenly, leaving you feeling vulnerable and unsure of your next steps. Fortunately, the workers’ compensation scheme provides a safety net for workers who experience such unfortunate events. By understanding your eligibility, submitting timely claims, and seeking legal advice, you can navigate this challenging time with confidence. Remember to keep copies of all your documents and promptly lodge your claim to ensure you receive the compensation you rightfully deserve.