As a national workers compensation insurer, Allianz Australia has the capability to provide cover in all states and territories (except Queensland and South Australia). If you require cover for Tasmania where Allianz Australia underwrites workers compensation insurance we recommend that you contact your insurance adviser in the first instance.
For more information about workers compensation in Tasmania visit the WorkCover Tasmania website or contact us on 1300 130 664
Workers compensation is compensation payable under the Workers Rehabilitation and Compensation Act 1988 to a worker who suffers an injury or disease which arises out of or in the course of the worker’s employment. Please note, in relation to a disease, the worker’s employment must have contributed to a substantial degree.
The worker may be entitled to compensation for weekly benefits while incapacitated for work, medical expenses, rehabilitation expenses, permanent impairment and, in some instances, damages at common law.
Register of injuries
All employers are responsible for maintaining a Register of Injuries. Employers are required to keep a Register of Injuries that is readily accessible in the workplace. The Register of Injuries is a current record of any injuries suffered by workers, whether they result in a claim or not and must include the following:
• Name and address of the injured worker
• Nature and cause of the injury
• Date the injury occurred
Lodging an injury notification
The Workers Rehabilitation and Compensation Amendment Act 1988, requires you to notify Allianz within three (3) working days of becoming aware that a worker has sustained a workplace injury that results in, or is likely to result in, incapacity for work. This legislative requirement promotes early reporting of injuries to the insurer which allows Allianz to commence active injury management to facilitate a prompt recovery and return to work of your employee.
An initial notification of an injury can be made by lodging an injury notification on-line*or by:
• Completing the notification form and emailing it to Allianz First Report at firstname.lastname@example.org
• Faxing it to Allianz First Report on (02) 9266 7267
• Phoning and providing the details to Allianz First Report on 1300 360 595
Once a notice of injury has been received, you are required to inform your employee of the right to claim workers compensation within 14 days by providing them with the prescribed notice for making a claim.
To make a claim for compensation
Should your injured employee wish to make a claim for compensation, please complete the following requirements:
Provide the worker with a claim form.
• On receipt of the completed claim form, complete the Employer’s report section of the claim form.
• Notify Allianz of the claim within three (3) working days of receiving the claim form and prescribed medical certificate, by utilising the notification methods listed above,
• Submit the completed claim form and medical certificate to Allianz within five (5) working days of receipt. Please forward documents to:
PO Box 576
Launceston TAS 7250
Injury Management Program
An Injury Management Program is a series of documented policies and procedures that establishes a coordinated and integrated process for managing workplace injuries. Under the legislation, each employer is required to have an Injury Management Program in place. To assist our clients with this requirement, Allianz will provide our insured employers with a streamlined version of the Allianz Injury Management Program that supports proactive and consistent injury and claims management in order to achieve a timely, safe and durable return to work for employees.
Claim lifecycle – what happens and when
The table below shows the typical lifecycle of a workers compensation claim. This table is a simple description of the claims process, so you know what to expect if you need to make a claim.
|Step 1. (Worker step)||The employee notifies their employer of their workplace injury. This notification may be given orally or in writing, and must be given as soon as practicable.|
|Step 2. (Employer step)||The employer advises the injured employee of their right to make a claim for compensation within 14 days of Step 1 and provides them with a Workers Compensation claim form if required. The employer notifies Allianz of the injury by lodging an injury notification on-line* or contacting Allianz First Report using the contact methods above within three working days of Step 1.|
|Step 3. (Allianz step)||The injured employee completes the Injured Worker’s Report section of the claim form and lodges it with the employer, accompanied by a workers compensation medical certificate issued by an accredited medical practitioner. The injured employee needs to nominate a primary treating medical practitioner in the space provided on the claim form.|
|Step 4. (Employer step)||Immediately upon receiving an employee’s claim for compensation, the employer must complete the employer’s section of the claim form and notify Allianz of the claim within three (3) working days of receipt.|
The employer must submit the completed claim form and medical certificate to Allianz within five (5) working days of receipt.
The employer must commence payment of weekly compensation (this is on a without prejudice basis and regardless of whether liability is accepted).
|Step 5. (Allianz step)||Upon receipt of the claim form and medical certificate, Allianz will assess the claim and in most cases advise all parties of liability determination within three working days.|
|Step 6. (Allianz step)||If liability is accepted |
The Allianz case manager coordinates with the employee, employer and primary treating medical practitioner to return the injured employee to work as soon as possible.
If liability cannot be determined without additional information
The Allianz case manager will notify the employer and the employee of the delay in determining liability and the reason why. The required additional information will be sought and a decision promptly made on receipt.
If liability is not accepted
The Allianz case manager will notify the employer and injured employee verbally and in writing that liability is in dispute and refer the claim to the Workers Rehabilitation and Compensation Tribunal for an initial hearing.
|Step 7. (Worker & employer step)||A Return to Work (RTW) plan needs to be developed if the employee is, or is likely to be totally or partially incapacitated for work for more than five days.|
|Step 8. (Allianz step)||If liability accepted, all accounts / wage reimbursements should be sent to Allianz for payment. Note: Employers are required to meet the costs of the first weekly payment for each injury suffered and the first $200 of other benefits (such as treatment or rehabilitation costs).|
|Step 9. (Worker & employer step)||Allianz will keep in regular contact with the employer and injured employee to facilitate a prompt recovery and return to work of the employee. Assistance may be sought from specialist providers, such as workplace rehabilitation experts or medical professionals.|
|Step 10. (Allianz step)||Allianz closes the claim.|