If you suffer from a workplace injury, you can access lost wages and payment of medical expenses through the Victorian Workers’ Compensation scheme.

You do not need to prove anyone’s fault to be eligible for these ‘no-fault’ benefits.

Typically, they are covered by the employer’s insurer through the WorkCover compensation scheme, and you can access them by making a WorkCover claim.

You may also be eligible for lump sum compensation through two other types of claims: an Impairment Benefit claim and a Common Law claim.

The requirements for each of these three claims differ, so it’s important you are aware of the necessary elements for each type.    

If you have sustained a workplace injury, it is important to seek legal advice early.  Even if you do not think your injury is serious, we recommend speaking with a lawyer while the circumstances of your injury are fresh in your mind.

Try our free online claim check to find out if you are eligible to make a claim or contact us today for your no-obligation appointment.  Our legal team is ready to guide you through your WorkCover claim so you can get your life back on track after your workplace injury.

What is a WorkCover claim?

Under the Victorian workers’ compensation scheme, there are three types of claims:

  • a WorkCover claim
  • an Impairment Benefit claim
  • a Common Law claim.

The WorkCover claim and the Impairment Benefit claim are ‘no-fault’ claims. This means that you do not need to establish that another party was at fault in how you sustained your injury.

A Common Law claim is a ‘fault-based’ claim and can only be made if you have sustained a serious injury as a result of negligence by your employer and/or another party.

In some cases, you may be able make all three claims in relation to the same injury.


Our WorkCover lawyers can help with a claim for

No Win No Fee Personal Injury Lawyers

Are you in need of expert legal advice and assistance to navigate the complex world of work injury compensation? Look no further. Redlich's Work Injury Lawyers, a law firm based in Melbourne, are dedicated to fighting for your rights and ensuring you receive the compensation you rightfully deserve. Our team of experienced work injury lawyers is committed to delivering high quality legal representation and support, making your journey through the claims process as smooth as possible.

One of our Specialisations:

Work Injury Compensation: Our expert work injury compensation lawyers specialise in representing individuals who have suffered workplace injuries. We understand the challenges you face, and we're here to help you secure the compensation you need to move forward with your life.

Why Choose Redlich's Work Injury Lawyers?

No Win, No Fee Service: At Redlich's, we offer a 'No Win, No Fee' service, which means you don't pay professional fees unless we win your case. This aligns perfectly with our commitment to making justice accessible to everyone, regardless of their financial situation.

Dedication to Your Rights: Our team is passionate about advocating for your rights. We tirelessly pursue your case to ensure that you receive the maximum compensation possible. We know the law, and we know how to apply it in your favour.

Extensive Experience: With 50 years of experience in work injury compensation, Redlich's Work Injury Lawyers are well-versed in the intricacies of the legal system. We use this knowledge to your advantage.

Unwavering Support: We understand that the aftermath of a workplace injury can be devastating to you and your loved ones. Our team is here to provide you with the legal support and guidance you need during this challenging time.

Comprehensive Legal Services: Our expertise extends to a wide range of work-related injuries and dependency claims. These include all types of physical injuries, psychological injuries and other conditions or diseases which have been caused by the nature of your employment. This includes pre-existing injuries or conditions which have been aggravated, accelerated, exacerbated or have recurred due to your work duties.

If the insurer rejects your WorkCover claim, rest assured, we can assist you. We often represent injured workers who have a rejected WorkCover claim.

If your WorkCover claim has been accepted, we will provide you with advice and assistance about your potential lump sum entitlements to enable you to claim the compensation you are entitled to. We have the skills and knowledge to handle all types of work injury claims, including claims that require going to Court. We run cases in the Magistrates’ Court, County Court and Supreme Court.

Servicing Victoria: While our headquarters are in Melbourne, our services are available to clients across Victoria and we have a number of offices around Victoria. We have a deep understanding of the local legal landscape and are well-prepared to represent your interests effectively.

When you partner with Redlich's Work Injury Lawyers, you’re not just getting legal representation; you’re getting a dedicated team of professionals who are compassionate and committed to helping you get back to better. Our No Win, No Fee service makes quality legal support accessible to everyone, ensuring that your rights are represented and defended.

If you’ve experienced a work-related injury and are seeking compensation, look no further than Redlich’s Work Injury Lawyers. Contact us now to schedule an obligation free discussion and take the first step towards securing the compensation you deserve. Your journey begins with us.

What are my options?

If you have an accepted WorkCover claim you may be able to access multiple levels of compensation based on the severity of your injury/illness and whether your employer was at fault.

Level 1: No fault benefits

WorkCover benefits include "weekly payments" of lost income and a financial contribution towards medical expenses such as:

  • ambulance and hospital expenses
  • doctors and other medical attendances (including travel expenses)
  • medications and aides
  • personal and household expenses
  • rehabilitation costs (including counselling and household assistance).

Level 2: Permanent injury lump sum payment

The calculation of this payment is based on the level of your assessed permanent impairment.  This payment is available regardless of fault.

This is separate, and in addition to, weekly payments and medical & like expenses.

Level 3: Sue for further compensation

If your injury/illness is determined to be a "serious injury" and was caused due to the fault of another party, you can sue for further monetary compensation.  This refers to the "pain and suffering" you have endured and will continue to endure; and for the "economic loss" of wages and superannuation you would have earnt into the future.

This is separate to weekly payments and medical & like expenses.

Often, cases resolve prior to attending court.


How do I make a WorkCover claim?

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Seek medical treatment

Even if your injury/illness appears to be minor, if you are involved in an accident at work it is important to visit a doctor to start an early record of symptoms, their cause and impact on your life.  This appointment will provide the historical background which will be critical to the success of your WorkCover claim.

If you need time off work, request a "certificate of capacity" from your doctor.

Most doctors, therapists and pharmacists should be able to bill the WorkCover insurer directly.  If they cannot, request a receipt for the treatment and send it in to your insurer to claim within six months of treatment.  Keep a copy of the receipt.

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Notify your employer

You need to notify your employer within 30 days of becoming aware you have a work injury/illness.

Further, you only have six years from your date of injury/illness to sue your employer if they were at fault.  This date may be extended in some circumstances, such as if you have only recently become aware of the seriousness of your injury/illness.

It is important that you do not sign anything without obtaining legal advice first.

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Lodge a WorkCover claim

WorkCover claim forms are available at the post office, one of our offices or you can request one by calling WorkSafe on 1800 136 089.

If you have medical expenses or need to take time off work, you will need to complete a WorkCover claim form and provide it to your employer.

If you are claiming for time off work, you also need to have a "certificate of capacity" from your doctor.

If you need assistance completing your WorkCover claim form, please call a member of our legal team on (03) 9321 9988.

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Contact us

Even if you don’t think your injury is serious, we recommend discussing your injury/illness with a lawyer while the details are fresh in your mind.

Your time is important to us, so when you call (03) 9321 9988 during business hours Monday - Friday, your call will be answered by a member of our legal team.  We will be able to advise you on your potential rights and entitlements, and offer a free face-to-face meeting at an office closest to you.

Legal services are provided on a No Win No Fee basis.

Awards and Accolades

Doyle’s Guide

Leading law firm

Redlich's Work Injury Lawyers

Victorian Work Injury Compensation (2018 – 2019)

Second tier law firm

Redlich's Work Injury Lawyers

Victorian Work Injury Compensation (2020)

Third tier law firm

Redlich's Work Injury Lawyers

Victorian Work Injury Compensation (2021, 2023-2024)


Frequently Asked Questions

WorkCover Entitlements

I have been injured at work – what should I do?

If you have been injured at work, you need to notify your employer within 30 days of you becoming aware of your work related injury. A good way to formally notify your employer is to fill out the Register of Injuries, which must be kept at each workplace.

You should seek any medical treatment necessary. It is helpful to tell your doctor or health provider the circumstances of your work-related injury from the first consultation.

Make a claim

If you incur medical expenses or need to take time off work, you will need to complete a Worker’s Injury claim form. You can access an online claim form from WorkSafe’s website. Printed forms are available at the post office, one of our offices or request one by calling WorkSafe on 1800 136 089.

Your employer may also be able to provide you with a copy.

In the claim form there is a section dedicated to when your injury/condition occurred and when you first noticed it. If your work injury or condition developed over a period of time, it is acceptable to write ‘injured over the course of employment’ on the claim form instead of a specific date and time of injury.

If you require assistance completing your claim form, you can contact one of our expert lawyers for free advice on (03) 9321 9988.

The claim form must be given to your employer either by hand or post.

Obtain a ‘Certificate of Capacity’ from your GP

If you are claiming for time off work, you also need to have a WorkCover Certificate of Capacity from your treating General Practitioner (GP). An ordinary medical certificate will not be accepted.

The initial WorkCover Certificate of Capacity should cover a period of no more than 14 days and all subsequent certificates should be for a period of up to 28 days.

Lodge with the insurer

Your employer has 10 days from when it receives your claim to forward the claim to its authorised insurer (also known as claims agent). It is possible to lodge a copy of a claim yourself with the authorised insurer. This is recommended in circumstances where your employer is refusing to receive your claim, or where an employer cannot be located/found, no longer operates or if there is doubt as to whether the claim form will be passed on to the authorised insurer within the required time. Penalties can be imposed on employers when claims are not forwarded to the authorised insurer.

Once the authorised insurer receives a claim it has 28 days to accept or reject the claim. If it rejects the claim it should provide written notice of the rejection. If it does not reject the claim within 28 days, then the claim is treated as accepted. Normally, before deciding whether to accept or reject the claim, the authorised insurer or claims agent will arrange for you to be examined by one of their doctors.

If you are concerned that your injury or condition could cause you to have ongoing problems, it is worthwhile to seek legal advice while the circumstances of the injury are still fresh in your mind. For free initial legal advice over the telephone, call Redlich's Work Injury Lawyers on (03) 9321 9988 to speak directly to a member of our team.

How long do I have to make a WorkCover claim?

There is no strict time limit to bring a ‘no-fault’ WorkCover claim, but you do need to notify your employer within 30 days of you becoming aware of your work related injury.

A good way to formally notify your employer is to fill out the Register of Injuries, which must be kept at each workplace.

You only have six years from your date of injury to bring a common law claim against your employer. This date may be extended in some circumstances, such as if you have only recently become aware of the seriousness of your injury.

How long does the authorised insurer have to accept or reject my claim?

Once the authorised insurer receives a WorkCover claim it has 28 days in which to accept or reject the claim.

If it rejects the claim, it should provide you with written notice of the rejection. If the authorised insurer does not provide written notice of its decision within 28 days, the claim is deemed to have been accepted.

Normally, before deciding whether to accept or reject the claim, the authorised insurer will arrange for you to be examined by one of their doctors.

Who is covered under WorkCover?

In order to be covered by WorkCover, the following criteria must be met:

  • you must be a worker
  • the injury must be a work-related injury.

WorkCover is a workers’ compensation ‘no fault’ scheme established by law to compensate Victorian workers who are injured at work or who suffer from a work-related illness.

Workers are covered by the scheme regardless of who was at fault.

In certain circumstances, independent contractors may be eligible for workers compensation under the WorkCover scheme.  For instance, a contractor who works regular hours with one employer over a period of time may be eligible, even though tax is not deducted from their pay.  Clothing outworkers and local councillors as well as others are also considered ‘deemed workers’ under workers’ compensation law.

If you are unsure whether you will be considered a worker and eligible for benefits, contact Redlich's Work Injury Lawyers on (03) 9321 9988 for free legal advice.

What do I do if my injury/condition developed over a period of time?

If your injury or condition came on over a period of time, it is acceptable to write ‘injured over the course of employment’ instead of a specific date or time on your Workers Injury Claim Form.

If you require assistance in completing your WorkCover claim form, you can contact Redlich's Work Injury Lawyers on (03) 9321 9988 for free advice.

What am I entitled to if my WorkCover claim is accepted?

If you are injured at work, you may be entitled to four different types of claims/benefits:

  • weekly payments
  • reasonable medical and like expenses
  • impairment benefit for permanent injury (also referred to as ‘lump sum compensation’)
  • sue for further compensation (referred to as a ‘common law claim’) – this can include compensation for ‘pain and suffering’ as well as loss of earnings.

Do I need to attend a medical examination arranged by WorkCover?

WorkCover can make arrangements for you to be medically examined from time to time by doctors nominated by WorkCover.

The purpose of this is to confirm your inability to work.

You cannot fail or refuse to attend the appointment without a reasonable excuse, or your income benefits can be suspended.

What ‘medical and like expenses’ can I claim?

If you have been injured at work you are entitled to payment of reasonable medical and like expenses.  This includes costs such as ambulance and hospital expenses, doctors and other medical attendances, medications and aides such as crutches.  You may also entitled to personal and household expenses and rehabilitation costs.

Personal and household services that can be claimed include counselling, modification to a home or car, household help, gardening, transportation and rehabilitation services.  Rehabilitation services are designed to either return you to your pre-injury job, to re-educate or re-train you, or otherwise assist in obtaining other employment.

You are also entitled to claim for travel expenses to appointments for medical treatment (e.g. to see your General Practitioner (GP), surgeon, physiotherapist) and also medical examinations by WorkCover doctors.  We suggest you keep a record of:

  • when and who you saw
  • purpose of appointment
  • where the appointment was
  • distance travelled.

It is recommended that you regularly send these details to the authorised insurer and seek reimbursement as you are entitled to 30 cents per kilometre travelled.

Am I entitled to weekly payments? If so, what am I entitled to?

You may have an entitlement to weekly payments of compensation if you have an accepted WorkCover claim and you have an incapacity for work due to your work-related injury.

For the first 13 weeks in which you are incapacitated for work, weekly payments are made at 95 per cent of your pre-injury average weekly earnings (PIAWE) (subject to a maximum).

The calculation of your PIAWE is normally your average weekly earnings over the 12-month period before your injury occurring.  This calculation can be complicated at times.  If you were regularly paid overtime or shift allowances during this 12-month period, your average overtime and shift allowances will be included in the calculation of your PIAWE for the first 52 weeks of incapacity only and not thereafter.

After 13 weeks and up to 130 weeks of incapacity for work, weekly payments are reduced to 80 per cent of your PIAWE, and continue at that level.  If you are able to do some work on a limited basis, you are entitled to 80 per cent of the difference between what you are earning and your PIAWE. In these circumstances, the authorised insurer will ‘top up’ your pay to 80 per cent of your PIAWE.

In most instances, weekly payments will cease at 130 weeks.  However some workers can have their weekly payments continue after 130 weeks in circumstances where they have no current work capacity which is likely to continue indefinitely.

If after 130 weeks you are working at least 15 hours per week and are likely to continue being incapable of undertaking further/additional employment or work indefinitely, you may be entitled to additional compensation by way of a ‘top-up’ payment.  Furthermore, in very limited circumstances, you may also be entitled to weekly payments if your undergo surgery after 130 weeks.

For claims that reach 130 weeks on or after 31 March 2024, an additional hurdle of a whole person impairment (WPI) of greater than 20% must also be satisfied in order to continue to receive weekly payments. Physical and psychological impairment cannot be combined to meet the WPI threshold.

Please contact Redlich's Work Injury Lawyers on (03) 9321 9988 for further advice on your WorkCover entitlements.

Can I access my superannuation?

If you are eligible, superannuation contributions will be paid by the authorised insurer after the first 52 weeks of weekly payments. A 9 per cent superannuation payment is payable on top of weekly payments only if:

  • you were injured on or after 5 April 2010
  • you have already received weekly payments for 52 weeks
  • upon receiving written notification from the WorkCover insurer regarding entitlement and requesting information, you provide that information to the insurer within three months.

Many superannuation funds contain insurance policies that may allow you to claim disability benefits for Total and Permanent Disablement (TPD) or Temporary Disablement.  Claimable benefits from your superannuation fund are in addition to workers compensation entitlements.

If you have a work injury and want to check that you are receiving all benefits payable to you, call the experts at Redlich's Work Injury Lawyers on (03) 9321 9988.

Can I make a WorkCover claim for stress?

On 31 March 2024, significant new laws were introduced that impact what mental health injuries can be accepted under a WorkCover claim.

Psychological injuries occurring on or after 31 March 2024 which are caused predominantly by work related stress or burnout resulting from events that are considered typical or reasonably expect in the worker’s duties, will not be accepted under WorkCover.

This change does not exclude:

  • mental injuries caused by bullying, harassment and discrimination
  • mental injuries caused by traumatic events that are usual or typical and reasonably expected in the course of the workers duties
  • stress or burnout injuries sustained prior to 31 March 2024.

You also cannot make a claim if your work-related psychiatric injury is wholly or predominantly caused by a reasonable ‘management action’ taken on ‘reasonable grounds’ and in a ‘reasonable manner’.

If your condition is caused by factors at work other than management actions (i.e. bullying), it is important that you state this clearly on your WorkCover claim form. Under the new laws, in order to be accepted under a WorkCover claim, a mental injury must also:

  • cause significant behaviour, cognitive or psychological dysfunction; and
  • be diagnosed by a medical practitioner in accordance with latest Diagnostic Statistical Manual of Mental Disorders.

If you do not satisfy both of the above criteria, your claim will be rejected.

Even if your WorkCover claim for stress is rejected, you will be entitled to provisional payments for medical expenses for up to 13 weeks from the date you submit your claim. 

Contact Redlich's Work Injury Lawyers for free legal advice and assistance in filling out your claim form on (03) 9321 9988.

Can I dispute a decision about my entitlements?

If the authorised insurer makes a decision that you disagree with, you can challenge it by referring the decision/dispute to the Workplace Injury Commission (WIC) for conciliation.

Some common examples of disputes that arise with the authorised insurer include the following:

  • rejection of your WorkCover claim
  • disputes regarding the calculation of your pre-injury average weekly earnings (PIAWE)
  • termination or suspension of your WorkCover claim
  • rejection of surgery or any other proposed medical treatment/procedure
  • return to work issues; or
  • failure/delay by the authorised Insurer to make a decision when requested.

Disputes must be referred to conciliation within 60 days of receiving the authorised insurer’s decision notice.

In order to refer a dispute for Conciliation, a Request for Conciliation form needs to be filled out and sent to the WIC together with a copy of the notice you are disputing.

It is possible to lodge a request outside the 60 day time frame and request an extension of time, however you must provide reasons for the late lodgement of the conciliation request and there is no guarantee that the extension of time will be granted by the Conciliation Service.

The aim of conciliation is to try to resolve disputes without the need for court proceedings.  All disputes must be referred to the WIC as the first step before any dispute court proceedings can be pursued.

Your union or Redlich's Work Injury Lawyers can assist you to complete the conciliation form.  If you require further assistance, we can assist you to obtain a medical report or reports from your treating practitioners.

Conciliation

The Workplace Injury Commission (WIC) arranges a meeting between you and the WorkCover authorised insurer (your employer can also be present) with a view to seeing whether the dispute can be resolved.

The WIC will allocate your dispute to a conciliator whose job is to try and resolve the dispute between you and the insurer.  This might be done by email or telephone but is more often at a meeting called a conciliation conference.  The meeting is informal and nothing to be nervous about.

Whilst a lawyer cannot accompany you at the conciliation conference, they can provide you with advice about the conciliation process and your options.  A lawyer can only act for you if the insurer and your employer agree.  Two representation agencies, Union Assist and WorkCover Assist can represent you at the conciliation conference.  You can bring a support person such as a friend or family member.

At the conciliation conference the conciliator will typically ask each party to explain their case with regards to the dispute in question.  The authorised insurer will also be required to explain their position.  It is then not uncommon for the conciliator to talk to the parties separately with a view to reaching an agreement. Approximately 70 per cent of disputes are resolved as a result of conciliation.

In very limited circumstances a conciliator can order that the worker be paid the compensation he or she is seeking even if the authorised insurer does not agree.  However, in most situations where agreement cannot be reached, the conciliator can do either of the following:

  • refer a medical question to a Medical Panel (if the dispute is about a medical issue); or
  • declare a genuine dispute and issue a certificate of genuine dispute that will enable you to take your dispute to the Magistrates’ or County Court.

In some cases, you can also refer your matter to the WorkCover Independent Review Service (WCIRS) to review the decision.

Medical Panel

Where there is a disagreement or uncertainty about an aspect of your injury or condition, professional opinion can be sought from a Medical Panel.

If a conciliation officer refers a medical question to a Medical Panel, the Medical Panel is required to provide an answer to that medical question(s) within 60 days.

As part of this process, a Panel of two to three doctors will examine you and talk to you about your condition.  The Medical Panel consists of doctors who have been selected by the Convenor of Medical Panels, from an approved list of medical experts appointed by the Governor in Council.  The Medical Panel will issue a final written Opinion, which answers the medical questions asked and provides the reasons for the decision.

The decision of the Medical Panel is final and binding.  Other than in exceptional circumstances, there is no appeal from a Medical Panel decision to a Court.

Court Proceedings

If the dispute cannot be resolved at the conciliation conference between the parties and the matter has not or cannot be referred to a Medical Panel to make a decision, a certificate of genuine dispute will be issued by the conciliator.

Should you wish pursue the matter further, this certificate will enable you take your dispute to the Magistrates’ or County Court.

Your lawyer will determine which court proceedings will be issued in.

Even if court proceedings have commenced either party can have a matter referred to the Medical Panel, if it is a medical dispute.

What are my return to work obligations?

If you are on WorkCover and have an incapacity for work, you have a number of responsibilities under the WorkCover legislation.

When you have an accepted WorkCover claim, both you and your employer have ‘return-to-work’ obligations.

Your obligations include making reasonable efforts to return to work in suitable employment or pre-injury employment, making reasonable effort to participate in an rehabilitation program or a return to work plan, participating in an assessment of your work capacity (amongst other things).

Your employer is obligated to provide suitable work duties for you and to keep your pre-injury position available to you for the first 52 weeks of your partial or total incapacity. 

The authorised insurer will normally engage a vocational/rehabilitation provider to assist you with the return to work plan.  Failing to cooperate or failing to make reasonable attempts to return to work may result in your WorkCover weekly payments being suspended and/or terminated.

How is a work injury damages claim calculated?

There is no set formula to calculate damages for a work injury as the amount of compensation you receive will depend on the specific circumstances of your accident and injuries. Additionally, there are statutory maximums that apply to WorkCover damages claims, and damages cannot exceed these set amounts.

To calculate economic loss, an assessment is made between your pre-injury and post-injury work capacity applying an actuarial discount. You must not calculate your economic loss by calculating your annual income and multiplying that amount to your retirement age. This will give you an unrealistic and unattainable figure. At law, there are discounts that must be applied to future economic loss including what lawyers refer to as 'vicissitudes of life.’  This refers to some other life event which may have impacted on your ability to work until retirement age.

For work injury damages claims, there are minimum and maximum amounts of compensation you can receive. Each year, these amounts are indexed and this generally occurs on 1 July.

It is crucial to speak with a lawyer to fully understand your entitlements. Call our advice line on (03) 9321 9988 or submit an online enquiry to get in touch with our legal team for a free, no-obligation consultation.

What happens if you can't return to work after injury?

If you have an accepted WorkCover or TAC claim and you are unable to return to work, the insurer or the TAC will pay you weekly payments if you have an incapacity for your employment due to your work injury. 

For all WorkCover claims, you will be entitled to be paid 95% of your pre-injury average earnings for the first 13 weeks, and thereafter at 80% up until 130 weeks. If you are still unable to return to work after 130 weeks, then you will be entitled to weekly payments at the rate of 80% if you have ‘no work capacity’ which is likely to continue ‘indefinitely.’

It is important to note, if you are unable to return to work, your employer may seek to terminate your employment. However, they have an obligation to offer you your pre-injury employment or suitable duties for 52 weeks.

If you have an accepted TAC claim and you are unable to return to work, you may be entitled to income support payments as follows: (1) loss of income payment for the first 18 months calculated at 80% of your pre-injury accident earnings, (2) loss of  earning capacity payments from 18 month to 3 years calculated at 80% of your pre-injury accident earnings,  and, (3) loss of earning capacity payments after 3 years only if the degree of your impairment is 50% or more.

You will also be covered for the cost of reasonable medical and like expenses, which may consist of GP visits, medication and physiotherapy treatment, among others.

There are two types of lump sum claims you may be able to pursue under the WorkCover & TAC schemes: an impairment benefit claim and a common law claim for damages. We invite you to contact Redlich’s on (03) 9321 9988 to discuss these entitlements.

For public liability claims, there are no immediate entitlements available to support you. Therefore, if you are unable to work after an injury in a public place, your avenues of income support include your leave entitlements at work, income protection benefits though your superannuation, Centrelink support and common law damages only if you have a ‘significant’ injury which was caused by the negligence or fault of another party.

Another option may be a total and permanent disability payment (TPD) through your superannuation.

How do I claim compensation for work-related injury?

There are three types of claims you may be able to make in Victoria when you suffer a work-related injury: a WorkCover claim, an Impairment Benefit claim, or a Common Law claim.

  • WorkCover Claim

To make a WorkCover claim, there are three steps you will need to take.

  1. The first step is to make sure you have reported your injury to your employer and your treating doctor. You should seek medical treatment immediately.
  2. The second step is to obtain a medical certificate. This is called a certificate of capacity in Victoria and can be obtained from your usual doctor.
  3. The third step is to lodge your WorkCover claim with your employer and in some cases, WorkSafe. This is the step that starts your claim.

Make sure to keep copies of the claim form and the medical certificate before you give the originals to your employer or insurer.

  • Impairment Benefit claim

An Impairment Benefit claim is a ‘no-fault’ claim. This means that you do not need to establish that your employer and/or another party was at fault in how your injury was sustained. To receive a lump sum payment under an Impairment Benefit claim, your injury must be stable and meet the permanent impairment threshold. An injury is considered stable after you have had, and recovered, from any significant medical treatment you need, such as surgery. Ordinarily, 12 months from the date of injury is the earliest an Impairment Benefit claim can be lodged.

The permanent impairment threshold is considered to be 5% for musculoskeletal injuries, 10% for non-musculoskeletal injuries, and 30% for psychiatric injuries.

An Impairment Benefit claim can be made by completing a claim form and lodging it along with supporting medical documentation, such as clinical records and medical reports. It is important that all of your injuries arising out of the same event or circumstances are included on the claim form as you cannot make another claim for injuries that were not included on the claim form.

When your claim has been lodged, the insurer will arrange a medical examination(s) by a specialist doctor who will assess your level of permanent impairment. In some cases, the insurer will obtain assessments from multiple specialist doctors. There is no time limit to make an Impairment Benefit claim.

It is very important that you receive legal advice before accepting a lump sum payment under an Impairment Benefit claim. In some circumstances, it is appropriate to challenge the insurer’s assessment of your impairment.

  • Common Law claim

A Common Law claim can be commenced once you have established that you have suffered a serious injury. In order to qualify for damages, you must also provide that your serious injury was caused by the negligence or fault of your employer and/or a third party.

A Common Law claim starts when you make a formal application to the Victorian WorkCover Authority (VWA) to establish that you have suffered a serious injury.

A serious injury is defined as a permanent, serious impairment or loss of a body function; a permanent, serious disfigurement; a permanent, severe mental or permanent, severe behavioural disturbance or disorder or loss of a foetus.

There are two ways in which to do this: you have a 30% or more whole person impairment as determined in your lump sum claim (this is called a ‘deemed’ serious injury) or you have less than a 30% whole person impairment but are granted a serious injury certificate by the VWA or a Judge of the County Court. Even if you have a 30% or more whole person impairment, you are still required to make a formal application to the VWA who will automatically grant your application for a serious injury certificate.

If a serious injury certificate is granted to you, you will have the right to pursue a Common Law claim for your injury. You must then prove fault or negligence by your employer and/or another party.

Your employer has a legal duty to take reasonable care for your health and safety whilst you are at work. This means they are required to provide you with a safe place of work, a safe system of work and safe plant and equipment. An employer can be negligent if they breach this duty. If the employer’s breach of that duty results in you suffering a serious injury, you may have the basis for a Common Law claim.

You have six years from the date of the injury to commence a Common Law claim. We recommend that you seek legal advice well in advance of this date. If you believe you may be out of time, you should contact a lawyer urgently.

Can I be fired after an injury at work?

Your employer cannot terminate your employment on the basis that you are unfit to perform your pre injury duties within a period of 52 weeks of incapacity.

Unfortunately, after the 52 week period, if you are still unfit to perform your pre-injury duties, your employer is no longer obligated to keep your job open for you.

If your employer terminates your employment, you will still be entitled to receive your WorkCover benefits. Your entitlement to weekly payments of compensation may continue up to 130 weeks if you remain unfit to perform your pre injury job and after 130 weeks if you have no work capacity for any employment which is likely to continue indefinitely.

Permanent Impairment Claims

What is a permanent impairment benefit?

A permanent impairment benefit is a once-off lump sum payment. Injured workers who are left with a permanent impairment following a work related injury may be eligible.

This is a ‘no fault’ benefit, meaning you do not need to prove that your employer is at fault, or has been negligent.

An independent doctor would need to examine you in accordance with a guide published by the American Medical Association.  The Guide provides specific instructions on how to measure the extent of an injury.

There are minimum levels of impairment that you must meet before you are entitled to a benefit, depending on when you were injured and what injury you suffer.

The impairment benefit (also referred to as ‘lump sum compensation’) is calculated using a specific formula and takes into account the level of impairment you are assessed as having and the date of your injury.

This benefit does not impact your entitlement to weekly payments, medical and like expenses, or a common law claim. You do not need to pay tax on this benefit.

What are the minimum levels of impairment required to qualify for compensation?

Your level of impairment must be assessed at the following minimum levels in order to qualify for compensation:

  • 5 per cent for musculoskeletal injuries
  • 10 per cent for non-musculoskeletal injuries
  • 30 per cent for psychiatric injuries.

How much will I receive for an impairment benefit?

Impairment benefit compensation (also referred to as ‘lump sum compensation’) is determined in accordance with a formula set out by law, dependent on the level of impairment you are assessed as having and the date of your injury.

Once the level of impairment is accepted, you cannot negotiate on the amount of compensation that you are entitled to.

The amount that a person is entitled to increases by approximately $2,000 - $2,500 for each additional 1 per cent impairment up to 30 per cent.

When can I make an impairment benefit claim?

A claim is usually made when your injuries are fully stabilised (that is, it has reached a point where it is not getting any better or worse).  At a minimum, you need to wait at least 12 months from your date of injury.

There is no time limit to make an impairment benefit/lump sum claim.

If you are an injured worker, and were not 18 years of age at the time of your work-related injury, the assessment of the impairment benefit claim cannot be made until you attain the age of 18 years.

Common Law Claims (The Right to Sue)

What is a common law claim?

Some work related injuries are caused due to someone’s fault or negligence.  A claim seeking compensation for an injury where negligence is involved is called a common law claim and can be pursued against your employer and/or a third party.

A claim of this type can be made where you have been injured because of an employer’s failure to provide a safe workplace, or through the acts of another party with no connection to your employer.  For instance, an occupier of premises.

The compensation sought in a common law claim is called ‘damages’; and does not impact your entitlements under the WorkCover system.

What are ‘damages’?

There are two main categories of damages sought in a common law claim:

  1. pain and suffering, or general damages – this is compensation for the pain and suffering you have endured and will continue to endure, and your loss of enjoyment of life
  2. past loss of earnings and future loss of earning capacity – compensation for wages lost because you have been unable to work, and/or are unable to work into the future.

When can I make a common law claim?

Even where your injury was caused by your employer or another person’s fault, you do not automatically have the right to sue for damages.

You must first establish that you have suffered a ‘serious injury’, which requires your lawyers to prepare and lodge a detailed application referred to as a ‘serious injury application’.

A common law claim must be commenced within six years of the date of injury by lodging a serious injury application with the Victorian WorkCover Authority (WorkSafe) or the self-insurer.

What is a ‘serious injury’?

You must have a ‘serious injury’ to be able to sue for further compensation.

This means either receiving an impairment assessment of 30 per cent or greater in a lump sum application or qualifying under one of the definitions of ‘serious injury’ set out by law.

These are:

  • permanent serious impairment or loss of a body function
  • permanent serious disfigurement
  • permanent severe mental or permanent severe behavioural disturbance or disorder; or
  • loss of a foetus.

Whether you meet any of these definitions involves an assessment of the injury and its consequences on your lifestyle and earning capacity to determine if the consequences are ‘more than significant’ and at least ‘very considerable’ when compared with other cases.

The Victorian WorkCover Authority (WorkSafe) or a self-insurer through its lawyers may issue a certificate confirming you have suffered a ‘serious injury’.  If your application is denied, then a case can be issued in the County Court of Victoria seeking a certificate.  If WorkSafe or a self-insurer denies your application for a serious injury certificate, you have a strict 30 day time limit from the date of the rejection to issue proceedings in the County Court.

Does the serious injury certificate entitle me to sue for both types of damages?

A serious injury certificate can either be granted to allow you to sue for both ‘pain and suffering’ and loss of earnings, or just ‘pain and suffering’.

Claiming damages for economic loss is only permitted in some cases.  Unless you have a deemed ‘serious injury’, you can only claim for lost earnings if you can prove that your present and future earning capacity and earnings have reduced by at least 40 per cent, and that this reduction will be permanent.

What happens when I get the serious injury certificate?

If a serious injury certificate is granted, you then have the right to sue and will need to prove ‘fault’ or ‘negligence’ by your employer and/or a third party.

Strict timeframes apply following a grant of a serious injury certificate.  There are also important steps that must be completed before you can issue your court case.

These steps include a settlement conference and written offers made by each party in an attempt to settle the case.  If your case does not settle during this negotiation stage and you wish to pursue your case further, a legal proceeding known as a Writ would then be issued in the County Court or the Supreme Court.

A judge and jury of six members usually determine the final outcome of your case.

How can I prove it was their fault?

You were owed a duty of care: It is important to note that for work injuries, employers have a duty to provide a safe place of work, and therefore it is almost always the case that a duty of care was owed.

Another party breached their duty of care: In work injury cases this involves looking at whether a reasonable employer should have foreseen that their conduct or inaction involved a risk of injury.

The breach must have caused your injury: This relies on medical opinion to confirm that you have suffered an injury and your injury is related to negligent conduct.

How long does it take to sue for further compensation?

It is very difficult to estimate how long a claim for further compensation will take.  The claim may only be brought after the injury is stabilised (at a minimum, you need to wait at least 12 months from your date of injury), and the medical evidence is gathered.

From this time, the duration varies and is dependent on factors including whether the Victorian WorkCover Authority (WorkSafe) rejects or accepts the serious injury application, the complexity of the case, and whether the case settles prior to litigation.

As a rough guide, from the date of the serious injury application (the first step) common law claims can take between 6 - 24 months. Some common law claims may take longer.

How long do I have to sue?

A common law claim must be commenced within six years of the date of injury.  Injuries that arise over time, such as psychiatric injuries, should ideally be commenced within six years of the onset of your symptoms.

However, you should seek advice well before the six years expires as preparing a case takes some time.

Even if you do not think your injury is serious, you should still obtain legal advice regarding your possible right to claim while the circumstances of your injury are fresh in your mind.

In some limited circumstances, you can make a claim more than six years after your date of injury. 

Would I have to go to Court?

In suing for further compensation, there are two possible stages in the process that could involve going to Court – the serious injury application, and the trial regarding negligence.

The majority of our cases reach negotiated settlements.

Redlich's Work Injury Lawyers will advise you fully on your case and any risks involved prior to any litigation being commenced.

What compensation could I receive?

If you are granted a serious injury certificate, you can bring a claim for ‘pain and suffering’ damages only or for both, ‘pain and suffering’ and economic loss damages.

The amount of ‘pain and suffering’ damages you can claim depends on your circumstances and the impact of your injury.

If the matter goes to Court, the assessment of ‘pain and suffering’ damages will ultimately be determined by a jury.  As a guide, the minimum amount of ‘pain and suffering’ damages allowed by law is presently $58,960 and the maximum is $598,360 (these figures are as at 1 July 2017).  The amount awarded for ‘pain and suffering’ damages varies according to the severity of the injury and the effect that it has and will continue to have on your life.

If you have already received a lump sum payment, this is deducted from any ‘pain and suffering’ damages that you receive.

If you are able to bring a claim for loss of earnings, you can claim for your past and future economic loss.  The amount of damages that this includes depends entirely on the amount you can prove that you were earning prior to your injury and your earning capacity into the future.  It can therefore only be determined on a case-by-case basis.  Furthermore, at law, there is an automatic discount of approximately 15 per cent of economic loss damages which takes into account the vicissitudes of life, which refer to the chance that a risk/loss may occur into the future other than the work related injury.  For instance, the development of an unrelated illness or condition.

If you receive damages for economic loss, you are required to pay back any WorkCover weekly payments of compensation that you have already received in relation to the claimed injury.  You are also not permitted to receive any further WorkCover weekly payments in relation to the claimed injury into the future.  Your medical and like expenses would continue to be paid in accordance with the WorkCover legislation and as long as they are reasonable and necessary.

What will it cost me to sue for further compensation?

Call us on (03) 9321 9988 or visit one of our offices to book your free appointment for preliminary advice about your rights and possible entitlements.  If you need urgent legal advice, we can arrange for you to meet with a solicitor within 48 hours.

We are committed to maximising the compensation to be received by injured workers.  We only charge for the work we do and in most cases we cap our costs so that you receive the majority of your compensation.

We offer a No Win, No Fee arrangement, meaning that if we proceed with a claim you will only have to pay legal costs (solicitor/costs) if we are successful in getting you compensation. If your case is lost, you will not be required to pay for our services.

Can you sue a company for a work injury?

Yes, you can sue a company for a work injury in Victoria. This is known as a Common Law claim. In order to commence a Common Law claim, you must establish both of the following elements: that you have suffered a serious injury and the serious injury was caused by the negligence or fault of your employer and/or a third party.

You must make a formal application to the Victorian WorkCover Authority (VWA) to establish that you have suffered a serious injury. There are two ways in which to do this: you have a 30% or more whole person impairment as determined in your lump sum claim (This is called a ‘deemed’ serious injury) or you have less than a 30% whole person impairment but are granted a serious injury certificate by the VWA. Even if you have a 30% or more whole person impairment, you are still required to make a formal application to the VWA who will automatically grant your application for a serious injury certificate.

You will need a lawyer to assist you in making a serious injury application. You will also need to demonstrate that you have suffered at least one of the following: permanent, serious impairment or loss of a body function; permanent, serious disfigurement; or permanent, severe mental or permanent, severe behavioural disturbance or disorder.

If a serious injury certificate is granted to you, you will have the right to pursue a Common Law claim for your injury. You must then prove fault or negligence by your employer and/or another party.

Your employer has a legal duty to take reasonable care for your health and safety whilst you are at work. This means they are required to provide you with a safe place of work, a safe system of work and safe plant and equipment. An employer can be negligent if they breach this duty. If the employer’s breach of that duty results in your suffering a serious injury, you may have the basis for a Common Law claim.

You have six years from the date of the injury to commence a Common Law claim. We recommend that you seek legal advice well in advance of this date. If you believe you may be out of time, you should contact a lawyer urgently.

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