Support and benefits

If you’re injured at work you’ll be supported to recover from your injury and return to work and life as soon as possible. If your claim is accepted you may be eligible for:

Income support if you are unable to work

  • 100% of your average weekly earnings for up to 52 weeks from the first day you are incapacitated to work
  • then 80% of your average weekly earnings for up to 52 weeks.

Financial support for reasonable and necessary medical treatment

  • for up to one year after your income support ceases
  • reasonable travel expenses to your medical treatment, rehabilitation or examination.

What is considered reasonable treatment expenses will vary depending on the nature of your injury. Speak to your claims agent for further information.

Return to work services

  • like job placement and retraining, as are reasonably required.

Lump sum payments

Following your impairment assessment, a report will be provided to your claims manager detailing the level of whole person impairment expressed as a percentage. This report will help your claims manager determine whether you have access to lump sum payments.

Lump sums payments have no strings attached and do not affect any income support you may be receiving. Lump sums have been included in the benefits package to help manage the impact that your work injury has on your life.  

There are two lump sum payments available:

  • Non-economic loss: If the whole person impairment percentage for your work injury is assessed at 5% or above, you will be entitled to a payment for non-economic loss.
  • Economic loss: If the whole person impairment percentage for your work injury is 5% to 29% you will be entitled to a lump sum payment for economic loss.

If your whole person impairment percentage is 30% or above, you can access serious injury support that offers an alternative benefits package.

Serious injury support

ReturnToWorkSA will provide lifetime treatment, care and support to workers with a serious injury.

While you are waiting for your injury to stabilise, you may apply to ReturnToWorkSA to make an interim decision to classify your injury as serious until such time as you are able to undergo a permanent impairment assessment.

How we will support you

If you are assessed as seriously injured, you will be provided with:

  • income support until retirement age
    • 100% notional weekly earnings in the first year
    • 80% notional weekly earnings for subsequent years
  • lifetime treatment, care and support services.

There is no obligation to return to work if you are seriously injured, but if you would like to, we will provide access to our full suite of return to work services.

Common law and redemptions

If you are seriously injured at work you may be able to bring a common law claim for damages for economic loss if your employer's negligence caused or contributed to your injury.

If you choose to pursue a common law claim, we will provide you with information about common law processes and meet the cost of you obtaining advice about bringing a common law action, up to the limit prescribed by regulation.

If you are successful and recover damages at common law, we will continue to provide you with lifetime treatment, care and support for your injury. However, you will no longer have access to weekly payments of income support from the Return to Work scheme.