Workers Compensation Insurance
in W.A., TAS., N.T. & A.C.T.

Who needs Workers Compensation Insurance?*

Workers compensation insurance is a compulsory insurance for all employers who have workers working for them. The definition of a worker may vary slightly from state to state, but what remains common to them all is that a worker is anyone receiving wages and from your business. Workers maybe full-time, part-time or casual, if they are drawing wages and get receive injuries during their work hours, they become liable to certain compensations from the employer.

Definition of Worker and Insurer*

A ‘worker’ covers a broad category of workers. It covers not just full-time workers on wages and salaries, but also part-time workers, seasonal and casual workers, piece workers, workers on commission and working directors. Sometimes, contractors and sub-contractors are also included under ‘workers,’ depending on their work arrangements.

Coming to what ‘injury means. Injury under jurisdiction includes both mental as well as physical injury. It also includes illnesses and diseases that are contracted in the course of employment. The aggravation and recurrence of any existing injury or diseases also comes under injury. Moreover, injuries received during travelling to and from work too are covered under the workers compensation insurance.

What is covered under Workers Compensation Insurance?*

• Payment of a percentage of the wages of an injured worker during the time they are rendered unfit to work.
• Compensation of lost earnings for workers who are forced to work less due to their injured state.
• Payment of all treatment costs, including all medical expense from the doctor’s fee, to the cost of medications and hospitalization.
• Rehabilitation cost of an injured worker to make him return to work.