Making a Claim for Workers Compensation
Introduction
The following information sets out the procedures for making a claim for Workers Compensation at the University of South Australia and the management process.
Making a Claim
Workers Compensation claim form can be downloaded.
An employee who has suffered a work related injury or illness can make a claim for worker's compensation but must provide the following documents to assist in the determination of the claim.
Fax 8302 1380 to OHSW & IM Services:
- Incident Report Form OHSW 9
- Workers Compensation Claim Form, the employee should retain a copy
- WorkCover Medical Certificate (WMC) the employee should retain a copy
- Authority to Exchange Information Form
- Record of Attendance Form
- accounts for payment or reimbursement for medical and travel expenses
- attach travel expense receipts to the travel claim form OHSW 65
If the above documents are not submitted in a timely manner there may be a delay in the determination of your claim.
Where an employee or supervisor is uncertain as to the appropriate forms that should be completed, assistance can be provided from OHSW & IM Services . OHSW & IM Services Administrative Officer 8302 01583, Rehabilitation Consultant 8302 1709 or WMC@unisa.edu.au
Claim Process
Upon receipt of a claim, OHSW & IM Services will forward the claim, incident report, WMC and any accounts to the Claims Manager.
OHSW & IM Services will provide written information to the claimant about the Workers Compensation process. Until the claim has been determined the claimant will utilise sick leave or other accrued leave entitlements.
The Claims Manager will ensure that necessary investigations and inquiries are made to determine the claim. This may involve ascertaining:
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the nature, extent and possible duration of the employees’ disability
- the treatment (if any) being provided to the employee
- any other information necessary to determine the claim
If further information is required, the Claims Manager will outline the reasons to the injured employee within 5 business days.
Claim Determination
Consistent with the requirements of Section 53(4) of the WR&C Act, the Claims Manager will endeavour to provide the employee with a determination of the claim within 10 business days of taking receipt of the employee’s claim.
Where a claim cannot be determined within 10 business days, the Claims Manager will communicate in writing to the employee, setting out the reasons why such determination has not been made. The Claims Manager will also advise the employee of his/her rights to a course of action to expedite a decision.
In determining a claim, a decision may be made to:
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accept the claim for ongoing income maintenance and medical expenses reasonably incurred as a result of the disability
- accept the claim for a closed period of income maintenance and medical expenses reasonably incurred as a result of the disability
- accept the claim for medical expenses only, reasonably incurred as a result of the disability
- defer a decision to determine the employee’s claim pending further investigation
- reject the claim
Where a determination is made of an employee’s claim, the Claims Manager will also advise the claimant in writing of the Workers Compensation Dispute Resolution Process. Refer also to the University OHSW & IM Workers Compensation and Rehabilitation Complaint Management Procedure.
Provisional Liability
- provisional liability provides an early intervention mechanism for meeting medical expenses and income maintenance payments before a claim is determined. More information can be obtained from the Claims Manager.
Claims Management Responsibility
The Claims Manager is responsible for:
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all aspects of claims management within the requirements of the Workers Rehabilitation and Compensation (WR&C) Act 1986 and WorkCover Standards including prompt determination of claims, reimbursement of medical expenses, and determination of notional weekly earnings
- notifying injured employees when their Income Maintenance payment will be reduced to 90% after 13 weeks and at 26 weeks to 80% of Notional Weekly Earnings
- advising employees that their superannuation contribution rate may be affected when their income maintenance payments have been reduced to 90% or 80% and that they should contact the Universities Superannuation officer (8302 1667).
- notifying OHSW & IM Services where an injured employee’s Income Maintenance payment will cease or will be reduced to 90% or 80% of Notional Weekly Earnings
- referring injured employees for independent medical examinations or assessments
Rights of an Employee
If you sustain a work related injury / illness you have a right to:
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have your claim determined, wherever possible, within 10 business days of lodging a claim form with your WorkCover Medical Certificate attached
- be advised about the possibility of payment of interim benefits or provisional liability
- be paid weekly payments once your claim is accepted
- have medical and other expenses paid promptly eg medication or travel
- have an individual rehabilitation program or rehabilitation and return to work plan developed if you are incapacitated and unable to return quickly to work
- be meaningfully involved in all decisions regarding your rehabilitation program / plan
- have a current copy of your approved rehabilitation program / plan
- to raise any dissatisfaction you have with the person managing your claim or rehabilitation plan (see Complaint Management Procedure)
- have a treating medical practitioner / specialist of your choice and provide WMC’s to continue your rehabilitation program or return to work plan
- obtain a second opinion from a specialist
- be provided with copies of all medical reports concerning your claim within seven days of the Claims Manager or Self-insured employer receiving them
- have a representative present at any meeting or hearing about your claim (eg union, employee advocate, solicitor)
- have any personal information kept confidential
- apply to have most decisions reviewed by Worker's Compensation Tribunal eg rate of pay
- have an interpreter at meetings and appointments
- have information about rehabilitation provided in a manner and language that you can understand
- access to counselling through the University Employee Assistance program
Responsibilities of an Employee
- report work-related injuries / illnesses to your supervisor within 12 hours after the occurrence, and participate in the incident / injury investigation process
- promptly provide a WorkCover Medical Certificate to OHSW & IM Services and a copy to your supervisor to cover all time lost from work within 24 hours of your medical appointment
- attend medical appointments reasonably made for you
- actively participate in an established rehabilitation program or rehabilitation and return to work plan with the agreed primary goal being a return to work
- accept duties and restrictions specified for the duration of the program or plan
- provide a copy of your WorkCover Medical Certificate(s) to your supervisor for the duration of the incapacity, that is, from the time of incident to a return to work to pre-injury duties. WMC’s also need to be provided after medical reviews if you are undertaking modified duties until your medical practitioner recommends that you can return to pre-injury workplace duties
- provide electronic leave forms to your supervisor and complete and forward a signed OHSW 49 form to OHS&W & IM Services for any leave taken whilst you are receiving income maintenance payments
- avoid disruptions to return to work activities by arranging, appointments outside agreed working hours if you are working normal hours
- abide by the agreed medical restrictions as outlined by your treating medical practitioner at work and at home
- notify your supervisor and the Rehabilitation and Return to Work Consultant immediately if you are unable to attend for work
- inform your supervisor of the circumstances if you need to leave work before completing the nominated hours prescribed by your treating medical practitioner. You should contact the Rehabilitation and Return to Work Consultant within 24 hours of the difficulties or aggravation to enable early corrective action to be taken. A change to duties may be necessary and the treating medical practitioner contacted and the rehabilitation plan altered
- undertake OHSW & IM Online training ie Injury management for employees
- ensure that you do not provide any false or misleading information about a claim (NOTE: it is an offence to provide false or misleading information about a claim)
Rights of the University
The University has a right to:
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seek assistance in the employee’s rehabilitation and return to work
- review a claim if the claims manager believes that weekly payments to an employee should be stopped or reduced
- ask the claims manager to arrange for an injured employee to attend an examination by a recognised medical expert
- ask the claims manager to provide copies of medical reports and a report on an injured employee’s medical progress and incapacity for work
- seek a review of the decision made about the claim
- ask the claims manger to consider any other relevant factors
Responsibilities of Managers / Supervisors
- consider whether early intervention is required for an acute or chronic injury / illness (see Accident and Incident Reporting flow chart)
- assess the need for rehabilitation promptly following a work related injury
- provide a safe work environment
- ensure that corrective action is taken to prevent workplace injuries
- provide safe, suitable work duties and be actively involved in your rehabilitation
- pay fortnightly income maintenance payments if an employee is off work or undertaking modified hours once notification of a claim is received
- establish a rehabilitation program or return to work plan
- keep personal information confidential
- undertake OHSW & IM Online training ie Injury management for managers / supervisors
Income Maintenance
Income maintenance refers to your normal wages and
maintaining your income if you are absent from work due to a work injury /
illness and not earning a salary for work. An employee who is totally
incapacitated for work will receive compensation based on their average
weekly earnings. The amount will be calculated as “Notional Weekly Earnings”
or an amount the employee would expect to receive were they at work.
If an employee is partially incapacitated for work (i.e. undertaking reduced
hours of work) they will receive salary for the hours worked and workers
compensation weekly payments for the remainder or income maintenance.
Income maintenance is payable at 100% of the amount you were earning prior
to being injured (pre-injury earnings for 13 weeks). At 13 weeks there is a
reduction in payments to 90%, followed by a further reduction to 80% at 26
weeks.
Where the period of incapacity (whether total or partial incapacity)
continues for more than 13 and 26 weeks the Claims Manager will conduct a
review of the amount of weekly payments being paid.
Payment for Non Economic Loss
An employee who sustains a permanent disability may apply to the Claims Manager about their eligibility to receive a lump sum payment under Section 43 of the WR&C Act.
Other Compensable Expenses
An employee is entitled to be compensated for costs reasonably incurred as a result of their compensable disability in accordance with Section 32 of the WR&C Act.
The claims manager will reimburse medical and travel expenses but an employee should provide evidence to the satisfaction of the Claims Manager demonstrating the expenses were reasonably incurred. Receipts for medication or an account from the provider of the medical service should be sent to the Claims Manager
The employee must obtain prior approval from Claims Manager or OHSW & IM Services for certain expenses. These include:
- Surgery
- Dental / orthodontic
- Optical
- Podiatry
- Chiropractic
- Physiotherapy
- Massage
- Hydrotherapy
- Gym/swimming membership
- Acupuncture
- Speech Pathology
- Travel
- Home assistance
- Taxi
Medical Appointments
Where an employee is working modified hours with modified duties,, medical appointments should, where possible, be made outside of normal working hours. This includes doctors / specialist consults, physiotherapy treatment or gym strengthening programs. Otherwise appointments should be arranged for close to the beginning or end of a working day if an injured employee is working normal hours with modified duties.
Work Related Journey Accidents
Normal travel between work and home is not covered by workers compensation unless the employee can demonstrate ‘a real and substantial connection between the employment and the accident’. The fact that an employee has an accident whilst travelling to or from work is not in itself a sufficient connection.
Employees who are ‘on call’ or are undertaking journeys within a working day (eg from one campus to another) will usually be covered. Similarly, employees travelling away from home, including overnight absences will usually be covered for travel, provided that their manager has approved the journey.
Travel
If staff have an accident or illness whilst working overseas, they should follow the Incident Reporting procedure within 12 hours so that assistance can be provided. Please note staff also must complete and Overseas Business Travel form a Business Travel Request form (FS 87) and Line Managers should ensure that all staff travel is appropriately approved.
Psychological Claims
Claims for psychiatric or psychological illness may take longer to determine than those for physical injury. The reason for this is the specific criteria that need to be met before such a claim is compensable.
Employees who submit a claim for psychiatric or psychological illness may need to wait for their claim to be determined while a written report is sought from their treating practitioner. They may be referred to an independent medical expert for examination, and an independent claims investigator may also be appointed to seek further information that will assist the Claims Manager to determine the claim.
The Claims Manager will keep the claimant informed about the process and, if the claim is rejected, will explain to the claimant clearly why this has occurred together with the review rights if the claimant is not satisfied with the decision.
Claim Process
Upon receipt of an employee’s claim, the Claims Manager shall establish and maintain a file for each claim. Claim files will be stored in a secure location with access limited to those with the appropriate delegated authority.
Obtaining Medical Information
The Claims Manager will obtain relevant medical information about the nature of the injury / illness, possible prognosis, treatment plan and capacity for work. Regular requests for updated information should be maintained with treating practitioners during the life of the claim.
Confidentiality
Information about injured employees will be kept maintained at all times and made available only to those specifically authorised and communication on “a need to know basis” to enable effective management of rehabilitation. Information shall only be shared with work colleagues with the consent of the injured employee.
Complaint Management Procedure
UniSA is committed to resolving issues employees have about their Workers Compensation claim. An employee who is dissatisfied with a decision made about their Workers Compensation claim or rehabilitation should in the first instance discuss their concerns initially with their rehabilitation consultant, claims manager or OHSW & IM Services Manager. If an employee believes their issue has still not been dealt with appropriately then a conference may be called with all parties present so the employee has the opportunity to raise their concerns. If the matter is not resolved through this process, the employee may wish to take the issue to the SA Workers Compensation Tribunal. The usual process following an application to the Tribunal is for a conciliation conference to be called. If no agreement can be reached the matter will proceed further (to an arbitration hearing or judicial determination).
Monitoring and Review
This procedure will be reviewed on a biennial basis or where there are changes to legislation. A Self Audit will be completed on Claim Files at least annually. The results of the Self Audit will be measured for improvement by identifying any issue(s). An Injury Management survey will be conducted annually through the “Tell-Us” automated program for injures staff.
Documents/Forms
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Claim for Pharmacy Expenses related to a Worker's Compensation Claim
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Injury Management Information Handbook (PDF 57kb)
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Flowchart of the Injury management process
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Complaint Management Procedure
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