Comparison of Workers’ Compensation Arrangements in Australia and New Zealand (2012)
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- Table 2.1: Jurisdictional contacts
Chapter 2 - Schemes at a glanceThis chapter provides brief information on some of the important aspects of workers’ compensation legislation and how they differ between jurisdictions. Later chapters deal with some of these aspects in more detail. 2.1 Jurisdictional contacts 2.2 Agencies responsible for overseeing workers’ compensation in each jurisdiction 2.3 Key features of schemes – provides a summary of some of the key features including the number of employees covered, the number and rate of serious claims and the standardised average premium rates. 2.4 Summary of coverage - Tables 2.4 a to 2.4 d provide a summary of coverage including who is covered (coverage of employees and coverage of contractors and labour hire workers), whether coverage is extended to injuries which occur during journeys and breaks and what is covered (definition of injury and employment contribution) and retirement provisions. More detailed information on these topics can be found in Chapter 3. 2.5 Summary of benefits – provides a summary of weekly payments, medical and hospital payments, lump sum payments for permanent impairment and death entitlements. More detail is provided in Chapter 4. 2.6 Prescribed time periods for injury notification - early intervention is essential for successful outcomes in Return to Work. Table 2.6 shows the timeframes for injury notification, claims submissions etc. that are prescribed in most jurisdictions. 2.7 Prescribed time periods for claim submission 2.8 Prescribed time periods for payments - Table 2.7 summarises when eligibility for payments begin, when payments start, when the employer passes on payments to injured workers, period specified for medical invoices to be sent to insurers, and when medical expenses are accepted and paid. 2.9 Dispute resolution process - Table 2.8 outlines the procedures followed by each jurisdiction. The process helps injured workers and their employers resolve issues arising from workers’ compensation claims at an early stage to prevent the issues going to court. 2.10 Remuneration for the purposes of premium calculation - Table 2.9 summarises the basis for insurers to quantify workers’ compensation premiums, which are paid by employers annually. Premiums are expressed as a percentage of an employer’s total payroll. 2.11 Employer excess - Some schemes require employers to pay an excess before the workers’ compensation insurer begins making payments. In some cases, employers may ‘buy out’ their excess. Table 2.10 outlines the type and amount of excess payable in each jurisdiction. 2.12 Uninsured employer provisions - In all jurisdictions it is compulsory for employers to have workers’ compensation insurance for their workers however for a variety of reasons some workers may not be covered. Table 2.11 outlines the provisions in place in each jurisdiction to ensure that workers of uninsured employers receive the same benefits as those covered. 2.13 Leave accrual while on workers’ compensation. Normal leave arrangements such as sick, recreation and long service leave may be affected when a worker is receiving workers’ compensation payments. Table 2.12 outlines provisions in workers’ compensation or other legislation relating to leave accrual while on workers’ compensation. 2.14 Superannuation and workers’ compensation. Table 2.13 provides information on whether the schemes include superannuation as wages for premium calculations and as part of income replacement payments. * Includes all accepted workers’ compensation claims involving temporary incapacity of one or more weeks compensation plus all claims for fatality and permanent incapacity. Table 2.1: Jurisdictional contacts
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