What is WorkCover QLD?

WorkCover Queensland is the government-owned statutory body that provides workers’ compensation insurance for most employers across the state. This insurance scheme ensures that eligible workers have access to financial and medical support if they suffer a work-related injury or illness. Under Queensland law, most employers are legally required to hold a WorkCover policy, offering protection for both employees and the business itself.

How the WorkCover Scheme Works in Queensland

WorkCover QLD operates under the Workers’ Compensation and Rehabilitation Act 2003. Its main purpose is to:

• Provide compensation to workers who experience a work-related injury or illness.

• Help injured workers access necessary treatment and rehabilitation.

• Support a safe and timely return to work.

Employers pay premiums to WorkCover, which then manages claims, assesses eligibility, and covers approved benefits.

Who is Covered by WorkCover QLD?

WorkCover QLD insurance generally covers:

• Full-time, part-time, and casual employees.

• Some contractors and subcontractors, depending on work arrangements.

• Apprentices and trainees.

It is important to note that coverage depends on meeting the legal definition of a ‘worker’ under Queensland legislation.

What Can a WorkCover Claim Include?

While each case is assessed individually, a WorkCover claim can cover a range of support measures such as:

• Payment for approved medical treatment.

• Support for rehabilitation and retraining.

• Income replacement during recovery if you are unable to work.

All claims are subject to WorkCover’s assessment process, and decisions are based on medical evidence, workplace information, and Queensland workers’ compensation laws.

Timeframes for Lodging a WorkCover QLD Claim

If you have experienced a work-related injury or illness, there are strict timeframes for lodging a claim. Generally, you should lodge within six months of becoming aware of the injury, although certain circumstances may allow for later claims. Prompt reporting to your employer and WorkCover can help avoid delays in processing.

Employer Responsibilities Under WorkCover QLD

Employers in Queensland must:

• Hold an active WorkCover policy (unless self-insured).

• Report workplace injuries promptly.

• Support employees in the claims process.

• Assist with rehabilitation and return-to-work plans.

Failure to comply with WorkCover obligations can result in penalties under Queensland law.

WorkCover and self-insurers are there as an insurer for any workers’ compensation claims brought by employees. If you were injured or have sustained an illness at or because of work, you may have a valid workers’ compensation claim against WorkCover.

It is not uncommon to hesitate bringing a workers’ compensation claim for fear of offending the employer. In reality though, they have insurance with WorkCover and the claims process is largely handled by WorkCover.

Key Takeaways

• WorkCover QLD is the state’s workers’ compensation insurer.

• It offers financial, medical, and rehabilitation support for eligible injured workers.

• Both employees and employers have responsibilities in the claims process.

• Time limits apply, so early reporting is important.

Frequently Asked Questions

1. Is WorkCover QLD the same as WorkSafe?
No. WorkCover handles workers’ compensation insurance, while WorkSafe Queensland focuses on workplace health and safety compliance.

2. Do all Queensland employers need WorkCover insurance?
Yes, unless they are self-insured and meet strict requirements under the law.

3. Can I choose my own doctor for a WorkCover claim?
Yes, in most cases you can select your treating doctor, provided they are a WorkCover-approved provider.

Further Reading

• Queensland Government – WorkCover Queensland: https://www.worksafe.qld.gov.au/insurance

Further information about making a WorkCover claim

https://www.worksafe.qld.gov.au/claims-and-insurance/compensation-claims/make-a-claim

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Kathryn MacDonell

Chief Executive Officer

Kathryn is Trilby Misso’s Chief Executive Officer.

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