ReturnToWorkSA average premium rate for 2025-26 maintained at the same level

The ReturnToWorkSA Board has maintained the average premium rate (APR) for 2025-26 at 1.85%, which is the third consecutive year at this rate.

This decision was made due to the continued high level of return to work rates. In addition to this, the community and individual benefits of people realising the health benefits of work has contributed to the affordability of premiums.

In deciding to hold the APR, the Board carefully considered several Scheme performance measures including the December 2024 Actuarial Valuation, continued inflationary pressures, and potential market downturns adversely affecting investment returns.

The APR will cover the estimated liability for new claims received in 2025-26.

Average premium rate explained

The APR is a measure of the overall cost of the Scheme. While the average premium rate is unchanged, the premium paid by individual employers will vary significantly depending on the risk and claims costs of the industry they operate in, the amount of remuneration they pay to their employees, and other individual employer factors.

How can businesses reduce their premium?

Employers can directly influence the amount of insurance premium they pay by preventing injuries from happening, and if they do, assisting and supporting the worker to recover and return to work as quickly as possible.

ReturnToWorkSA offers free tailored advice to employers to help improve their return to work practices through our Employer Education Service.