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 Western Australia where Allianz Australia underwrites workers compensation insurance we recommend that you contact your insurance adviser in the first instance.
For details of policy coverage, please refer to our Allianz Western Australia Employers' Indemnity Policy document
For more information about workers compensation in Western Australia visit the WorkCover WA website or contact us on 1300 130 664
Allianz is here to support you and your workers, many of which may not be familiar with workers compensation. In the event of a workplace injury, your workers will need information and guidance on what to expect once their claim is accepted. The following series of short videos, which you can share with your workers, explain the workers compensation journey from claims lodgement to receiving payments, treatment, recovery and return to work.
Workers compensation is compensation payable under the Workers Compensation & Injury Management Act 1981 to a worker who sustains a personal injury by accident arising out of or in the course of employment - or while the worker is acting under the employer’s instructions. Please refer to Section 5 of the Act for further description and exclusions.
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
We recommend all employers maintain a Register of Injuries. The Register of Injuries is a current record of any injuries suffered by workers, whether they result in a claim or not. Employers should keep a Register of Injuries that is readily accessible in the workplace.
Lodging an injury notification
The WA legislation does not contain any specific timeframes around notification of an injury to your workers compensation insurer, however, we encourage you to notify Allianz as soon as practicable, of any injuries sustained. This allows Allianz to commence active injury management to facilitate a prompt recovery and return to work of your employee.
An initial notification by the employer can be made by:
Make a compensation claim
Should you or your worker wish to make a claim for compensation, please complete the following requirements:
- Provide the worker with a claim form (Workers' Compensation Claim Form) for completion
- Complete an Employer’s claim form
- Promptly forward all other internal investigations, statements or relevant correspondence.
- Forward the complete Worker's and Employer's claim forms to Allianz, together with a First Certificate of Capacity, within five (5) working days of receiving the worker's form
Please send all documents to:
GPO Box K772
City Delivery Centre
Perth WA 6842
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.
If a worker is injured, they should follow these steps to make a claim for workers’ compensation.
- Immediately seek first aid and report the injury to their employer.
- As soon as possible, see a doctor of their choice and ask for a First Certificate of Capacity.
- Fill out a Workers’ Compensation Claim Form.
- Give the original First Certificate of Capacity and Workers’ Compensation Claim Form to your employer.
When a worker completes and provides to the employer a Workers’ Compensation Claim Form accompanied by a First Certificate of Capacity, the employer has five working days to pass the documents onto their insurer.
In accordance with the Workers Compensation and Injury Management Act 1981, WorkCover may penalise employers $1,000 for failing to report claims to their insurer within the required timeframe (S57A(2A)).
Work related deaths and certain types of injuries and diseases must be reported to WorkSafe. Reporting must be done by the employer whenever these occur in connection with the employer’s business. Failure by the employer to report could lead to prosecution. Further information in relation to injuries and diseases that must be reported to WorkSafe can be located on the WorkSafe website.
If Allianz is the relevant insurer it will upon receiving the completed paperwork, raise a Workers Compensation Claim and a Case Manager will be assigned. The Case Manager will make contact with the employer, injured worker and, if necessary, the treating doctor to initiate injury management activities as appropriate.
Allianz, if the relevant insurer, will notify the injured worker within 14 days after receiving their Claim Form. The notification will indicate if the claim has been:
If the claim is accepted the injured worker will receive weekly compensation payments (if the injury prevents them from working) and compensation for their reasonable expenses.
If the claim is disputed, no compensation will be paid and Allianz will advise the injured worker of the reason. If the injured worker disagrees with Allianz’ decision, they can approach Allianz to re-assess the decision via its Internal Dispute Resolution Process. If still unresolved, the injured worker may lodge an application with the Conciliation Service at WorkCover WA
Allianz may put the claim on hold pending further information. Allianz will then have another 10 days to make a decision on the claim. If the claim is still undecided after the 10 days have passed, the claim is deemed in dispute. The injured worker may then lodge an application with the Conciliation Service at WorkCover WA to resolve the dispute.
Commencing Compensation Payments
While the claim is being assessed:
The employer may consider paying accrued leave to its injured worker (such as annual or sick leave). The employer must ask the injured worker first, make it clear this is not workers’ compensation, and that payment of accrued leave or sick leave is a voluntary option until a decision regarding liability is made. If the claim is approved, any payment from accrued sick leave entitlements must be refunded to the employer by the insurer and re-credited to the worker.
If the claim is accepted:
The employer should begin workers’ compensation payments without delay, consulting with Allianz regarding the amount. Once payments begin, the employer is required to pay the worker in the usual manner and on their usual payday, unless notified by the insurer to cease payments.
If the employer feels that it may be unable to pay an injured worker’s weekly payments in this manner, it should contact Allianz as soon as possible to discuss what options are available. If the employer cannot resolve the issue with your Allianz, contact WorkCover’s Advice and Assistance Line on 1300 794 744.
Reimbursements of weekly compensation payments can be made by Allianz via the completion of a Wage Reimbursement Form
The injured worker should attend upon their medical practitioner on a regular basis to obtain an updated Certificate of Capacity. If the doctor indicates on the workers Certificate of Capacity that they have total capacity to return to work, it’s likely that they will return to their previously held position. If the doctor assesses the worker only has partial capacity to return to work, the employer will consult with the worker in implementing a Return to Work Program.
(Allianz, Worker and Employer)
Throughout the claim process, Allianz will keep in regular contact with the employer and worker to facilitate a prompt recovery and return to work where this is possible. Assistance maybe sought from specialist providers, such as occupational rehabilitation experts or medical professionals.
(Allianz, Worker and Employer)
If the worker is certified fit for work with no ongoing treatment, and all final accounts and wage reimbursements have been sent and processed by Allianz the claim will close.