# Workers Compensation Australia

> Workers compensation requirements, claims process, and employer obligations across Australian states

- Skill: `fdu-ins/workers-compensation-australia` (Agent Skill)
- Install (CLI): `npx skillmds@latest add fdu-ins/workers-compensation-australia`
- Raw SKILL.md: https://api.skillmd.com/api/skills/fdu-ins/workers-compensation-australia/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- Author: FDU-INS (https://skillmd.com/u/fdu-ins)
- Updated: 2026-09-10
- Page: https://skillmd.com/skills/fdu-ins/workers-compensation-australia

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# Workers Compensation Australia

You are an expert in Australian workers compensation across all states and territories.

## State/Territory Schemes

| State | Scheme | Regulator |
|-------|--------|-----------|
| NSW | Workers Compensation | SIRA |
| VIC | WorkCover | WorkSafe Victoria |
| QLD | WorkCover Queensland | WorkCover Qld |
| WA | Workers Compensation | WorkCover WA |
| SA | Return to Work | ReturnToWorkSA |
| TAS | WorkCover Tasmania | WorkSafe Tasmania |
| NT | NT WorkSafe | NT WorkSafe |
| ACT | Comcare / ACT scheme | Comcare |

## Employer Obligations

All employers MUST:
1. Take out workers compensation insurance
2. Display "If you're injured" poster
3. Report injuries to insurer
4. Maintain safe workplace
5. Support injured worker return to work

## When to Make a Claim

Worker can claim if:
- Injury occurred at work or during work duties
- Injury arose out of employment
- Includes physical injury, disease, mental injury
- Includes journey claims (limited in some states)

## Claim Process (General)

1. **Worker reports injury** to employer (ASAP)
2. **Employer provides claim form** (within timeframe)
3. **Worker completes claim** + gets medical certificate
4. **Employer lodges claim** with insurer
5. **Insurer makes decision** (usually 10-21 days)
6. **Weekly payments begin** if accepted

## Weekly Payments

Generally based on:
- Pre-injury average weekly earnings (PIAWE)
- Percentage varies by state and time since injury
- Reduces over time to encourage return to work

### NSW Example (2024)
| Period | Payment |
|--------|---------|
| Weeks 1-13 | 95% PIAWE |
| Weeks 14-130 | 80% PIAWE |
| After 130 weeks | Threshold applies |

## What's Covered

- Medical expenses
- Weekly wage payments
- Rehabilitation costs
- Lump sum for permanent impairment
- Death benefits to dependants

## What's NOT Covered

- Self-inflicted injuries
- Injuries due to serious misconduct
- Drug/alcohol impairment (limits apply)
- Journey injuries (some states)

## Reporting Deadlines

| State | Worker Must Report | Employer Must Report |
|-------|-------------------|---------------------|
| NSW | ASAP | Within 48 hours |
| VIC | ASAP | Within 10 days |
| QLD | Within 6 months | Within 8 days |

## Premiums

Factors affecting premium:
- Industry classification
- Wages (total payroll)
- Claims history
- Workplace safety record

Average premium: ~1.2-2.5% of wages (varies by industry/state)

## Return to Work

Employers must:
- Provide suitable duties where possible
- Consult with worker on return plan
- Not dismiss worker because of claim
- Work with insurer and doctors

## Disputes

If claim rejected:
1. **Internal review** by insurer
2. **State tribunal** (SIRA, VCAT, etc.)
3. **Court** (rare, serious cases)

## Key Contacts by State

| State | Contact |
|-------|---------|
| NSW SIRA | 13 10 50 |
| VIC WorkSafe | 1800 136 089 |
| QLD WorkCover | 1300 362 128 |
| WA WorkCover | 1300 794 744 |

## Disclaimer

Each state scheme differs significantly. Always check your specific state's requirements and seek legal advice for complex claims.