What happens next?
Find a next step for work, insurance, payments and practical support.
Explore the next questions about a claim, insurance or support, starting with the circumstances today.
Allow about 5 to 10 minutes. You can pause while keeping this page open.
What you get
A guide you can keep, print and work through with someone. The questions adapt to the answers given, including when there has never been a claim.
What it will not tell you
It will not tell you whether you have a claim, what a claim would be worth, or what to decide. A few questions cannot answer that about anyone. What they can do is show which parts of the system are worth asking about.
You can stop
Your answers stay in the page address on your own device. They are not sent anywhere unless you choose to send them. Fund replies and plan notes stay only while this page is open. Print or save a PDF before closing it.
No account needed
You do not have to sign up, and you do not have to give your name. You can print your guide without an account. Account saving is not available in this beta yet. You can use the guide without saving it.
If you don't know an answer, say so. "I'm not sure" is a real answer here. It becomes a question worth asking on your page, not a hole in it.
This tool follows fixed rules and does not use AI. The same answers always build the same page, and every fact on it names its source and the date it was checked.
Why we ask
You can explore support for yourself or someone else. Some questions to an insurer or fund may need the person's signed permission.
Why we ask
If more than one applies, start with the one you want help with today. If there has never been a claim, start with that answer.
A letter or payment statement may name the claim or payment. A bank deposit name alone may not be enough to identify it.
Start with the claim or payment that was running before it stopped.
Keep the decision letter if you have it. Time limits can apply to a review.
Why we ask
Each state has different workers compensation rules. We need the state handling the claim before we can show its timetable.
Why we ask
Some rules in New South Wales and South Australia differ for physical and psychological injuries. The scheme decides which rules apply.
Why we ask
Some New South Wales rules changed on 1 July 2026. This question is about when the claim was first made, not when the injury happened.
Both rule sets are shown, each labelled with the claim dates it covers.
Why we ask
Conditions can overlap. A broad description helps us ask relevant questions; you do not need to name a diagnosis.
Why we ask
A possible connection helps us show which organisation to ask. It does not confirm whether a claim is covered.
Why we ask
This may be different from where you live now. The location helps identify who to ask; it does not decide which scheme applies.This may be different from where you live now. The location helps identify who to ask; it does not decide which scheme applies.This may be different from where they live now. The location helps identify who to ask; it does not decide which scheme applies.This may be different from where they live now. The location helps identify who to ask; it does not decide which scheme applies.
Why we ask
We will ask about a letter or changed payments only if they are relevant. You can be waiting for a decision even if payments have not started.
Why we ask
Answer from memory if you can. Keep the letter and any dates it gives for a conversation with the organisation that sent it.
You do not need to find the letter to continue.
Why we ask
Think about payments from the claim or service just selected, rather than wages or other household income.
Include a change you have been told is coming, even if payments are still arriving.
Why we ask
This helps us put work records and insurance questions in context. If work has stopped, we will ask roughly when you last worked.This helps us put work records and insurance questions in context. If work has stopped, we will ask roughly when you last worked.This helps us put work records and insurance questions in context. If work has stopped, we will ask roughly when they last worked.This helps us put work records and insurance questions in context. If work has stopped, we will ask roughly when they last worked.
You can choose more than one if your work has changed in several ways.You can choose more than one if your work has changed in several ways.You can choose more than one if their work has changed in several ways.You can choose more than one if their work has changed in several ways.
Why we ask
An approximate month and year helps put the insurance questions in context. Use the last time you worked, not the date a claim was made.An approximate month and year helps put the insurance questions in context. Use the last time you worked, not the date a claim was made.An approximate month and year helps put the insurance questions in context. Use the last time they worked, not the date a claim was made.An approximate month and year helps put the insurance questions in context. Use the last time they worked, not the date a claim was made.
You can continue without a date and add it later. Some questions about past insurance and timing will wait until then.
Why we ask
Include current funds and older accounts, even if they were closed or moved to another fund. A super account does not always include insurance. It's okay if you're not sure.
Why we ask
Your guide uses the answers so far. Choose the topics you want to find first, or ask to see everything.
Step 1 of 4
Prepared , . Rules checked between 13 and 28 August 2026.
Choose a useful next question.
Choose the question that fits the current situation. Keep a decision or proposed payment change in view, and explore insurance and other support alongside it.
The questions, written out
These are written to be read down a phone line. Nothing here needs to be explained first, and none of it costs anything to ask. Take the ones that apply and leave the rest.
A question for the super fund
Each current or past super fund. Ask which accounts and dates it can check.
Check the fund's opening hours. General questions can come first; account-specific answers may need identity checks.
Details to have ready for your fund
For a request about your account, have these details ready. The fund will tell you which details and identity checks it needs.
- Your membership or client number, if known. If it is missing, ask the fund to help locate your account.
- Your full legal name.
- Your date of birth.
- Your current address.
- An earlier address used when the account opened, if known and the fund's details may be outdated.
Call using the fund's official contact details, or use its secure app or member portal where it offers enquiries. Ask which verified secure channel accepts historical insurance and document requests; not every app accepts the complete request.
Keep these identity details for the fund; do not enter them in this guide.
"Please help me check the insurance recorded on my account, including any past cover. Which dates and records do you need to check it?"
Ask for the answer and the relevant policy records in writing. Use the prepared request in Insurance and Super for each account.
The fund can explain the insurance recorded for your account. You can ask how to request those records before gathering claim evidence; the fund may still need to verify your identity.
Your super fund
The member line on the fund's website and on the annual statement. Free.
One call per fund, including funds since closed, merged or rolled over. myGov and the ATO on 13 10 20 both produce the list of which funds to call.
- What insurance is attached to my account, is it still active, and can you send me the policy documents?
- Which division or product is my account in, and which insurance guide applies to it?
- Which insurer holds the cover on my account now, and which insurer held it when my condition started?
The full list, if you want it
- Which cover types are on the account: death, total and permanent disability, income protection, or some of them?
- Which occupational category is recorded against my cover, and what changes if that category is wrong?
- Has cover on this account ever been stopped for inactivity, and is an election to keep it on file?
- What join date is recorded against my account, including any account I came from when funds merged?
- Is there a condition of release recorded on this account, and what does the trustee need to decide one?
- Once a claim is lodged, when does it go to the insurer, and who tells me it has?
- Can you send all of this in writing, including anything you have just told me on the phone?
The insurer that holds the cover
The insurer's claims line, once the fund has named it. The fund can also request documents on a member's behalf. Free.
Funds change insurers. Which insurer answers depends on the date, so name the date rather than the year.
- Which policy document was in force on the date I stopped work, and can you send me that version?
- Which definition applies under that policy, and where in the document is it set out?
- What is the waiting period and the benefit period under that policy?
The full list, if you want it
- Are there exclusions, loadings or restrictions recorded against my cover, and when were they applied?
- What is on the file for my claim right now, and what is it waiting on?
- Who made the last decision on this claim, on what date, and what were the reasons given?
- What is your internal complaints process, and what is the time limit on using it?
The scheme, or the claims agent handling the claim
The claims line printed on the letters. That number reaches the office holding the file. Free.
The count is the thing this page cannot know. It is the single most useful number to come away with.
- How many weeks have been counted on this claim, and what date is the count running from?
- Is that count in weeks paid, in aggregate weeks, or in elapsed weeks?
- What is the date on this letter counted from, what happens on it, and can you put that in writing?
The full list, if you want it
- What decision has been made, on what date, and what are the reasons for it?
- What is the review route for that decision, and what is the time limit on using it?
- What is the next scheduled review or assessment on this claim, and who arranges it?
- Which of my entitlements continue after weekly payments end, and which do not?
- Can you send me a copy of everything on the file, including the medical reports?
Your treating doctor or specialist
Book a conversation with the practice. Ask about appointment or report fees when booking.
Choose the questions that fit your situation. Ask about what is safe and realistic; this conversation does not decide an insurance claim or payment.
- Do you think I could return to my usual role or occupation, full time or part time? What duties or hours would be realistic?
- Could I do a different role or occupation, full time or part time? What limits should I allow for?
- Could training, a change of duties or workplace support help me work safely? Who could help assess that?
The full list, if you want it
- Has a fund, insurer or government service recently asked you for information about my condition or ability to work? What did they ask?
- Can your report explain how my condition affects everyday activities and work, and what may change over time?
- Can I have a copy of the report or certificate you provide, and discuss anything that is missing or out of date?
Services Australia
The number on the letter, or myGov. Free.
Ask before anything is signed and before any money moves. Afterwards is much harder to undo.
- If a payment of this kind came in, how would it be treated under the income test and under the assets test?
- Would a preclusion period apply to a payment of this kind, and how would it be worked out?
- Is money held in a super account counted while I am under age pension age, and does that change if it is taken out?
The full list, if you want it
- What do I have to report, and within what time?
- Which of my payments are compensation affected, and which are not?
- Can I have that answer in writing before I sign anything?
The questions, written out, for someone calling on another person's behalf
These are written to be read down a phone line by you, not by the person you are helping. Each group comes in two lists: what a fund or a scheme will answer you today, and what waits until they have signed an authority form. None of it costs anything to ask. Take the ones that apply and leave the rest.
A question for the super fund
Each current or past super fund. Ask which accounts and dates it can check.
Check the fund's opening hours. General questions and questions about authority can come first; account-specific answers may need identity and authority checks.
Details for an authorised account request
General questions about the fund or its authority process do not require sharing the member's account details. For an account-specific request, follow the fund's accepted authority process and have the member provide or authorise sharing the details it needs:
- Their membership or client number, if known. If it is missing, ask how the fund can help locate the account.
- Their full legal name.
- Their date of birth.
- Their current address.
- An earlier address used when the account opened, if known and the fund's details may be outdated.
Call using the fund's official contact details, or use an accepted secure app or member-portal enquiry route where available. Ask which verified secure channel accepts historical insurance and document requests. Another person's login is not authority to act for them; follow the fund's instructions.
The fund decides which identity and authority checks it needs. Do not enter the member's identity details in this guide.
"I'm helping someone with a claim. What third-party authority do you accept, and can you send me the form? While I have you: did your default cover generally include insurance in the year I'm about to name, and which insurer provided it?"
That gets the form moving and gets you two answers you can have today without it. Ask for the answers in writing as well. Then ask the same thing of every other fund on the list.
Asking about the authority process and how the fund's cover generally works gives a starting point. Obtaining the member's account records depends on the identity and authority checks that fund accepts.
You can do most of this without them. Funds and schemes answer general questions from anyone, today. Two things are different: a super fund will not discuss a person's own account without a signed third-party authority, and an introduction to a firm needs the person's okay. Each fund publishes its own authority form, and the page will point to the right one.
A fund will not discuss an account with someone who is not the member without authority. Ask what form of authority that fund accepts, and whether it can be given over the phone by the member while you are both there. That question is itself worth asking first.
Their super fund
The member line on the fund's website and on the annual statement. Free.
One call per fund, including funds since closed, merged or rolled over. myGov and the ATO on 13 10 20 both produce the list of which funds to call, and both of those need the member's own login or their consent.
What the fund will answer you today, without any authority
- Did the fund's default cover generally include death, total and permanent disability or income protection cover in the year I am about to name?
- Which insurer provided the fund's cover in that period, and which insurer provides it now?
- Which division or product would an account opened then sit in, and which insurance guide applies to it?
The full list, if you want it
- How do occupational categories work in this fund, and how is one corrected if it has been recorded wrongly?
- How does this fund handle cover being switched off for inactivity, and how is an election to keep it made?
- What does a claim under this fund's cover involve, and which forms does it use?
- What third-party authority do you accept, how do I get the form, and what do you need with it?
- Can you send all of this in writing, including anything you have just told me on the phone?
What waits until the authority form has been signed
- What insurance is attached to the account, is it still active, and can you send the policy documents?
- Which insurer held the cover on the account when the condition started?
- Which occupational category is recorded against the cover on the account?
The full list, if you want it
- Has cover on this account ever been stopped for inactivity, and is an election to keep it on file?
- What join date is recorded against the account, including any account it came across from when funds merged?
- Is there a condition of release recorded on this account, and what does the trustee need to decide one?
- Once a claim is lodged, when does it go to the insurer, and who is told that it has?
Each fund has its own form, under its own name. The fund pages on this site point to each fund's process, and every fund's phone line will send its form out on request.
The insurer that holds the cover
The insurer's claims line, once the fund has named it. The fund can also request documents on a member's behalf. Free.
Funds change insurers. Which insurer answers depends on the date, so name the date rather than the year.
What the insurer will answer you today, without any authority
- Which policy document was in force on the date I am about to give you, and can you send me that version?
- Which definition applies under that policy, and where in the document is it set out?
- What is the waiting period and the benefit period under that policy?
The full list, if you want it
- What is your internal complaints process, and what is the time limit on using it?
- What authority do you accept from someone acting for a member, and can the fund request the documents instead?
What waits until the authority form has been signed
- Are there exclusions, loadings or restrictions recorded against this cover, and when were they applied?
- What is on the file for this claim right now, and what is it waiting on?
- Who made the last decision on this claim, on what date, and what were the reasons given?
The scheme, or the claims agent handling the claim
The claims line printed on the letters. That number reaches the office holding the file. Free.
The count is the thing this page cannot know. It is the single most useful number to come away with, and it is the one that needs the authority.
What the scheme will answer you today, without any authority
- What do you need from the worker before you can discuss this file with me, and can you send that out today?
- What is the date on this letter counted from, what happens on it, and can you put that in writing?
- Is a week count kept in weeks paid, in aggregate weeks, or in elapsed weeks in this scheme?
The full list, if you want it
- What is the review route for a decision of this kind, and what is the time limit on using it?
- Which entitlements generally continue after weekly payments end in this scheme, and which do not?
What waits until the authority is in place
- How many weeks have been counted on this claim, and what date is the count running from?
- Is that count in weeks paid, in aggregate weeks, or in elapsed weeks?
- What decision has been made, on what date, and what are the reasons for it?
The full list, if you want it
- What is the next scheduled review or assessment on this claim, and who arranges it?
- Can you send a copy of everything on the file, including the medical reports?
Their treating doctor or specialist
Book a conversation with the practice. Ask about appointment or report fees when booking.
Choose the questions that fit their situation. The practice will need their consent before discussing personal medical information.
What the practice will answer you today
- What consent do you need before discussing someone else's health or work capacity?
- Can we arrange an appointment to discuss work capacity and any requested reports?
- Are there fees for the appointment or reports, and what information should we bring?
What waits until the patient has given consent
- Do you think they could return to their usual role or occupation, full time or part time? What duties or hours would be realistic?
- Could they do a different role or occupation, full time or part time? What limits should they allow for?
- Could training, a change of duties or workplace support help them work safely? Who could help assess that?
The full list, if you want it
- Has a fund, insurer or government service recently asked you for information about their condition or ability to work? What did they ask?
- Can the report explain how their condition affects everyday activities and work, and what may change over time?
- Can they have a copy of the report or certificate, and discuss anything that is missing or out of date?
Services Australia
The number on the letter, or myGov. Free.
Ask before anything is signed and before any money moves. Afterwards is much harder to undo.
What Services Australia will answer you today, without any authority
- If a payment of this kind came in, how would it be treated under the income test and under the assets test?
- Would a preclusion period apply to a payment of this kind, and how would it be worked out?
- Is money held in a super account counted before age pension age, and does that change if it is taken out?
The full list, if you want it
- What has to be reported, and within what time?
- How does someone become a nominee for another person, what can a nominee do, and which form does it take?
What waits until they have named you on their record
- Which of their payments are compensation affected, and which are not?
- Can we have that answer in writing before anything is signed?
The questions, written out, as a checklist
This is a checklist you can hand over or work through together. Every question is written so that whoever ends up holding the phone can read it straight out. Under each list is a line saying who can ask it. None of it costs anything.
A question for the super fund
Each current or past super fund. Ask which accounts and dates it can check.
Check the fund's opening hours. General questions can come first; account-specific answers may need identity and authority checks.
Help them prepare their fund request
Help the member have these details ready for an account-specific request. The fund will tell them which details and identity checks it needs:
- Their membership or client number, if known. If it is missing, they can ask the fund to help locate the account.
- Their full legal name.
- Their date of birth.
- Their current address.
- An earlier address used when the account opened, if known and the fund's details may be outdated.
They can call using the fund's official contact details, or use their secure app or member portal where it offers enquiries. They should ask which verified secure channel accepts historical insurance and document requests; not every app accepts the complete request.
Helping them prepare does not give authority to access their account or records. Keep identity details for the fund; do not enter them in this guide.
"I'd like to know what insurance is attached to this account, whether it is still active, and can you send out the policy documents."
That one sentence gets all three. If the answer is yes to any of them, ask for it in writing as well. Then ask the same thing of every other fund on the list.
The fund can explain the insurance recorded for the member's account. They can ask how to request records before gathering claim evidence; the fund may still need to verify their identity. If they make the call, a supporter can sit beside them with this list.
Funds and schemes answer general questions from you today. Anything about a person's own account needs their signed third-party authority, and each fund and scheme has its own form.
A fund will not discuss an account with someone who is not the member without authority. Ask what form of authority that fund accepts, and whether it can be given over the phone by the member while you are both there. That question is itself worth asking first.
Their super fund
The member line on the fund's website and on the annual statement. Free.
One call per fund, including funds since closed, merged or rolled over. myGov and the ATO on 13 10 20 both produce the list of which funds to call.
- What insurance is attached to this account, is it still active, and can you send out the policy documents?
- Which division or product is this account in, and which insurance guide applies to it?
- Which insurer holds the cover on this account now, and which insurer held it when the condition started?
The full list, if you want it
- Which cover types are on the account: death, total and permanent disability, income protection, or some of them?
- Which occupational category is recorded against this cover, and what changes if that category is wrong?
- Has cover on this account ever been stopped for inactivity, and is an election to keep it on file?
- What join date is recorded against this account, including any account it came across from when funds merged?
- Is there a condition of release recorded on this account, and what does the trustee need to decide one?
- Once a claim is lodged, when does it go to the insurer, and who is told that it has?
- Can you send all of this in writing, including anything said on the phone just now?
General questions about how the fund's cover works are ones you can ask today. Anything about this account needs them on the call, or their signed authority form.
The insurer that holds the cover
The insurer's claims line, once the fund has named it. The fund can also request documents on a member's behalf. Free.
Funds change insurers. Which insurer answers depends on the date, so name the date rather than the year.
- Which policy document was in force on the date work stopped, and can you send out that version?
- Which definition applies under that policy, and where in the document is it set out?
- What is the waiting period and the benefit period under that policy?
The full list, if you want it
- Are there exclusions, loadings or restrictions recorded against this cover, and when were they applied?
- What is on the file for this claim right now, and what is it waiting on?
- Who made the last decision on this claim, on what date, and what were the reasons given?
- What is your internal complaints process, and what is the time limit on using it?
The insurer will discuss the policy document itself with anyone. It will discuss the claim with them, or with you once their authority is on file.
The scheme, or the claims agent handling the claim
The claims line printed on the letters. That number reaches the office holding the file. Free.
The count is the thing this page cannot know. It is the single most useful number to come away with.
- How many weeks have been counted on this claim, and what date is the count running from?
- Is that count in weeks paid, in aggregate weeks, or in elapsed weeks?
- What is the date on this letter counted from, what happens on it, and can you put that in writing?
The full list, if you want it
- What decision has been made, on what date, and what are the reasons for it?
- What is the review route for that decision, and what is the time limit on using it?
- What is the next scheduled review or assessment on this claim, and who arranges it?
- Which entitlements continue after weekly payments end, and which do not?
- Can you send a copy of everything on the file, including the medical reports?
The claims line will speak to them without any paperwork. For it to speak to you, the scheme needs their authority, and each scheme has its own form.
Their treating doctor or specialist
Book a conversation with the practice. Ask about appointment or report fees when booking.
Choose the questions that fit their situation. The practice will need their consent before discussing personal medical information.
- Do you think they could return to their usual role or occupation, full time or part time? What duties or hours would be realistic?
- Could they do a different role or occupation, full time or part time? What limits should they allow for?
- Could training, a change of duties or workplace support help them work safely? Who could help assess that?
The full list, if you want it
- Has a fund, insurer or government service recently asked you for information about their condition or ability to work? What did they ask?
- Can the report explain how their condition affects everyday activities and work, and what may change over time?
- Can they have a copy of the report or certificate, and discuss anything that is missing or out of date?
Discuss personal medical information only with the patient's consent, following the practice's process.
Services Australia
The number on the letter, or myGov. Free.
Ask before anything is signed and before any money moves. Afterwards is much harder to undo.
- If a payment of this kind came in, how would it be treated under the income test and under the assets test?
- Would a preclusion period apply to a payment of this kind, and how would it be worked out?
- Is money held in a super account counted before age pension age, and does that change if it is taken out?
The full list, if you want it
- What has to be reported, and within what time?
- Which of their payments are compensation affected, and which are not?
- Can we have that answer in writing before anything is signed?
How a payment of a kind would be treated is a general question and you can ask it today. Anything about their own record needs them on the call, or a nominee arrangement they set up.
What you told us
Your page is built from these answers and nothing else. Change any answer and the page redraws.
Who are you finding support for?
- Myself
- A partner, family member or friend
- Someone I support through my work
Which of these best describes your claim or payment situation?Which of these best describes your claim or payment situation?Which of these best describes their claim or payment situation?Which of these best describes their claim or payment situation?
- I have never made a claimI have never made a claimThey have never made a claimThey have never made a claim
- Workers compensation or WorkCover
- TAC (Transport Accident Commission)
- Comcare
- DSP (Disability Support Pension)
- Insurance through a super fund or insurer
- Another claim or payment
- My payments have stoppedMy payments have stoppedTheir payments have stoppedTheir payments have stopped
- My claim was rejectedMy claim was rejectedTheir claim was rejectedTheir claim was rejected
- Help me work this out
Which of these matched the letters or the payments?
- WorkSafe Victoria, or an insurer writing as agent for WorkSafe
- icare, or SIRA, about a workers insurance claim
- WorkCover Queensland
- ReturnToWorkSA, or an insurer writing on behalf of ReturnToWorkSA
- The TAC or Transport Accident Commission
- Comcare
- A letter or payment record that specifically names the Disability Support Pension
- A letter naming workers compensation or WorkCover and its insurer or agent
- The employer or payslip confirms these are workers compensation payments
- A letter or payment record that specifically names the Disability Support Pension
- None of these match, or I am not sure
Which scheme was it?
- Workers compensation or WorkCover
- The TAC
- Comcare
- The DSP
- Insurance through a fund or insurer
- Another claim or payment
- Not sure which scheme
Which state handles the workers compensation claim?
- Victoria
- New South Wales
- Queensland
- South Australia
- Western Australia, Tasmania, Northern Territory or ACT
- I'm not sure which state
What type of injury is recorded in the claim?
- Physical injury
- Psychological injury
- Both physical and psychological injuries
- I am not sure how it is recorded
When was the claim first made?
- Before 1 July 2026
- On or after 1 July 2026
- I'm not sure
What is affecting your health or daily life?What is affecting your health or daily life?What is affecting their health or daily life?What is affecting their health or daily life?
- An injury
- An illness
- Both an injury and an illness
- A mental health condition
- A disability or long-term condition
- Other circumstances
- No health condition; I am exploring other supportNo health condition; I am exploring other supportNo health condition; they need support for another reasonNo health condition; they need support for another reason
- I am not sure
Could this be connected with work or an accident?
- Work caused it or made it worse
- A road or transport accident
- An accident or incident somewhere else
- No known link to work or an accident
- I am not sure
Which state or territory was the work or accident connected with?
- Victoria
- New South Wales
- Queensland
- South Australia
- Western Australia
- Tasmania
- Northern Territory
- Australian Capital Territory
- More than one state or territory
- Outside Australia
- I am not sure
What is happening with your claim or payments?What is happening with your claim or payments?What is happening with their claim or payments?What is happening with their claim or payments?
- I have a letter or decision to understandI have a letter or decision to understandThey have a letter or decision to understandThey have a letter or decision to understand
- My payments are ending or have changedMy payments are ending or have changedTheir payments are ending or have changedTheir payments are ending or have changed
- A letter or decision, and payments ending or changing
- I am waiting for a first decision or paymentI am waiting for a first decision or paymentThey are waiting for a first decision or paymentThey are waiting for a first decision or payment
- Payments or support are continuing as usual
- No recent letter or payment change
- I am not sure
What is the letter or decision about?
- A review of my claim or paymentsA review of my claim or paymentsA review of their claim or paymentsA review of their claim or payments
- My payments will go down or stop on a set dateMy payments will go down or stop on a set dateTheir payments will go down or stop on a set dateTheir payments will go down or stop on a set date
- An offer, or a choice I need to makeAn offer, or a choice I need to makeAn offer, or a choice they need to makeAn offer, or a choice they need to make
- I am not sure what it means
- No letter or decision like this has arrived
- I am not sure what has arrived
What is changing with your claim or payments?What is changing with your claim or payments?What is changing with their claim or payments?What is changing with their claim or payments?
- I have been told my payments will stop or changeI have been told my payments will stop or changeThey have been told their payments will stop or changeThey have been told their payments will stop or change
- My payments stoppedMy payments stoppedTheir payments stoppedTheir payments stopped
- My payments went downMy payments went downTheir payments went downTheir payments went down
- I have been offered a lump sumI have been offered a lump sumThey have been offered a lump sumThey have been offered a lump sum
- My claim, or part of it, was declinedMy claim, or part of it, was declinedTheir claim, or part of it, was declinedTheir claim, or part of it, was declined
- A letter gives a future date for payments to stop or changeA letter gives a future date for payments to stop or changeA letter gives a future date for their payments to stop or changeA letter gives a future date for their payments to stop or change
- None of these; payments have not changed
- I'm not sure
What is your work situation now?What is your work situation now?What is their work situation now?What is their work situation now?
- I have never had paid workI have never had paid workThey have never had paid workThey have never had paid work
- I am not working for another reasonI am not working for another reasonThey are not working for another reasonThey are not working for another reason
- I stopped working and have not returnedI stopped working and have not returnedThey stopped working and have not returnedThey stopped working and have not returned
- I work fewer hours or have lighter dutiesI work fewer hours or have lighter dutiesThey work fewer hours or have lighter dutiesThey work fewer hours or have lighter duties
- My job ended: I resigned, was dismissed or made redundantMy job ended: I resigned, was dismissed or made redundantTheir job ended: they resigned, were dismissed or made redundantTheir job ended: they resigned, were dismissed or made redundant
- I am working as usualI am working as usualThey are working as usualThey are working as usual
- I'm not sure how to describe it
When did you last do paid work?When did you last do paid work?When did they last do paid work?When did they last do paid work?
- I'm not sure of the date
Which super funds have you had?Which super funds have you had?Which super funds have they had?Which super funds have they had?
- AMP Super
- Australian Retirement Trust
- AustralianSuper
- Aware Super
- BUSSQ
- CareSuper
- Cbus
- Colonial First State
- CSS
- Equip Super
- First Super
- GuildSuper
- HESTA
- Hostplus
- legalsuper
- Media Super
- MLC Super
- Netwealth Superannuation Master Fund
- Prime Super
- PSS
- PSSap
- Rest
- Team Super
- UniSuper
- Vision Super
- My fund is not listedMy fund is not listedTheir fund is not listedTheir fund is not listed
- I am not sure which funds I have hadI am not sure which funds I have hadI am not sure which funds they have hadI am not sure which funds they have had
What would help you most today?
- Insurance I may have had in my superInsurance I may have had in my superInsurance they may have had in their superInsurance they may have had in their super
- What happens next with my claimWhat happens next with my claimWhat happens next with their claimWhat happens next with their claim
- Payments that are ending or have changed
- Understanding my letter or decisionUnderstanding my letter or decisionUnderstanding their letter or decisionUnderstanding their letter or decision
- Centrelink and other support
- Show me everything
- I'm not sure yet
- No focus chosen. Your guide starts with dated items.
- You told us you weren't sure which state the claim is under. The letterhead answers it: WorkSafe means Victoria, icare or SIRA means New South Wales, WorkCover Queensland names itself, and ReturnToWorkSA means South Australia. Until the state is known this page draws no scheme timetable, because a number from the wrong state is worse than no number. Everything national on your page still stands.
- You told us you weren't sure whether the claim is recorded as physical, psychological, or both. The claim form, or the insurer's first letter, states it. Your page shows the rows for both kinds until you have it, each labelled.
- You told us you weren't sure when the claim was first made. The insurer's first letter carries the date. Your page shows both rule sets, labelled, until you have it.
- You were not sure what had arrived. Your guide names the letters to look for and who can explain them.
- You told us you weren't sure whether the money has changed. One bank statement answers it: the payment amounts, side by side, are the record. Your page lists what each kind of change normally means in your scheme.
- You told us you weren't sure how to describe what happened with work. Your payslips and certificates hold the dates either way, and your page names which documents answer it.You told us you weren't sure how to describe what happened with work. Your payslips and certificates hold the dates either way, and your page names which documents answer it.You told us you weren't sure how to describe what happened with their work. Their payslips and certificates hold the dates either way, and your page names which documents answer it.You told us you weren't sure how to describe what happened with their work. Their payslips and certificates hold the dates either way, and your page names which documents answer it.
- You told us you weren't sure when you last worked. The last payslip, or the last normal pay in a bank statement, pins it down. Your page carries that as the first document worth finding, because most of the super questions start from that date.You told us you weren't sure when you last worked. The last payslip, or the last normal pay in a bank statement, pins it down. Your page carries that as the first document worth finding, because most of the super questions start from that date.You told us you weren't sure when they last worked. Their last payslip, or the last normal pay in a bank statement, pins it down. Your page carries that as the first document worth finding, because most of the super questions start from that date.You told us you weren't sure when they last worked. Their last payslip, or the last normal pay in a bank statement, pins it down. Your page carries that as the first document worth finding, because most of the super questions start from that date.
- You told us you don't know which funds you had. That is normal, and it is question one: myGov, or the ATO on 13 10 20, can list every account in your name, free, including closed and rolled-over funds.You told us you don't know which funds you had. That is normal, and it is question one: myGov, or the ATO on 13 10 20, can list every account in your name, free, including closed and rolled-over funds.You told us you don't know which funds they had. That is normal, and it is question one: myGov, or the ATO on 13 10 20, can list every account in their name, free, including closed and rolled-over funds. Both need their signed authority first, and the fund's own form is on this page.You told us you don't know which funds they had. That is normal. It is question one on the checklist: myGov, or the ATO on 13 10 20, can list every account in their name, free, including closed and rolled-over funds. Both need their signed authority first, and the fund's own form is on this page.
- You were not sure where to start. Your guide includes the relevant topics, with dated items first.
- You told us you weren't sure which scheme it was. That is common when a claim stopped a long time ago. The scheme's name is on the letterhead of any letter about it, and on the claim number itself. Until it is known this page draws no scheme timetable, and everything national on your page still stands.
Step 2 of 4
What else is running.
Other systems can run alongside a claim, each on its own rules, and this section names the ones the answers given here point to, with who answers for each.
What you've told us
You last worked around , and weekly payments have reduced.You last worked around , and weekly payments have reduced.The last day worked was around , and weekly payments have reduced.The last day worked was around , and weekly payments have reduced.
Questions this raises
Was there insurance in super when work stopped? Your fund can answer that.Was there insurance in super when work stopped? Your fund can answer that.Was there insurance in super when work stopped? The fund can answer that.Was there insurance in super when work stopped? The fund can answer that.
What you've told us
The Disability Support Pension was selected as the claim or payment situation.
Questions this raises
What insurance is recorded in any current or past super account, and which dates need checking? Each fund can answer for its own account.
What you've told us
Something that was claimed was declined or knocked back.
Questions this raises
Who made that decision, and what is the published route for having it looked at again? The office that sent the letter can answer both.
What you've told us
A letter has arrived saying payments will stop, or step down, on a date.
Questions this raises
What is that date counted from, and what happens on it? The claims line on the letter can answer that in writing.
What you've told us
A letter has arrived with an offer in it, or asking for a choice to be made.
Questions this raises
How would a payment of this kind be treated under the income test and the assets test? Services Australia can answer that before anything is signed.
What you've told us
Employment ended: dismissed, made redundant, or resigned.
Questions this raises
Have contributions stopped arriving on any super account, and is an election to keep cover on file? Each fund can answer for its own account.
What you've told us
More than one super fund was named: .
Questions this raises
Which insurer held the cover on each account when the condition started, and which holds it now? Each fund can answer for its own account.
What you've told us
The claim is a South Australian one and covers both a physical and a psychological injury.
Questions this raises
Which threshold is each figure being measured against, and who arranges each assessment? ReturnToWorkSA or the claims agent can answer both.
What you've told us
The claim is a New South Wales one and covers both a physical and a psychological injury.
Questions this raises
Are the two assessed separately, and which figure applies to the weekly payment thresholds? That one is not settled here, and the sentence to put to SIRA is on this page.
One thing this page does not yet know for New South Wales: whether one assessment can cover a physical and a psychological injury from the same event, and which figure is then used against the weekly payment thresholds. It has not been verified from the legislation or from the regulator, so it is on the page as a question, not a guess.
For a claim made on or after 1 July 2026, is whole person impairment from a primary psychological injury assessed separately from impairment from a physical injury arising out of the same event, and which figure is applied to the weekly payment thresholds in sections 39A and 39B of the Workers Compensation Act 1987?
What you've told us
Payments have stopped.
Questions this raises
What decision stopped them, on what date, and what is the time limit on the review route? The claims line on the letter can answer all three.
We can't tell you whether any of these apply to you. A specialist can look at your paperwork and tell you.
Things with a date on them
A response date, a review window, or a period the scheme publishes and counts.
The decision period on a Queensland notice of assessment
In Queensland the Act sets a decision period of 20 business days after a notice of assessment is given, and uses the same period for the response to an offer of lump sum compensation.
What to ask
Why this is here: You told us . In Queensland the Act sets a decision period of 20 business days after a notice of assessment is given, and uses the same period for the response to an offer of lump sum compensation. Which date the insurer is counting to is a question only the insurer that sent the notice can answer.
Source: Workers' Compensation and Rehabilitation Act 2003 (Qld), reprint current from 1 January 2025 to date, s 186(2), with ss 188, 189 and 190(2)(b) · Checked 17 August 2026
Time limited. A decision period runs from the notice. Get advice before responding to a notice of assessment if:
- a notice of assessment has arrived
- the notice includes an offer of lump sum compensation
- the notice states a degree of permanent impairment of less than 20 per cent
- the paperwork asks for a choice between accepting a lump sum and seeking damages
A notice of assessment can be taken to any solicitor before it is responded to. The Act sets a decision period of 20 business days after the notice is given, and the insurer that sent it can confirm which date it is counting to.
- Use the Queensland Law Society find a solicitor serviceFree to use. The service lists solicitors and does not take a fee for naming one.Before responding to a notice of assessment.The Queensland Law Society find a solicitor directory.Search for a solicitor practising in workers compensation in the relevant area, and ring more than one. A notice of assessment can be taken to any solicitor before it is responded to.
- Ask a union or professional body, where there is oneFree for members. Many will talk to a former member about a claim from the time of membership.Any weekday.The union or professional body covering the work the injury happened in.Many run their own workers compensation support and have seen the same letter hundreds of times. Ask what they have seen this letter mean in practice.
- Contact Legal Aid QueenslandFree.Before responding to a notice of assessment, not after.Legal Aid Queensland.Say a notice of assessment has arrived and read out the date on it. Ask what the decision period is and what the options in it are.
- Use WorkCover Queensland's own review lineFree.While the decision period is still running.The number printed on the notice of assessment.Ask what the decision period is counted to, what the options are, and to have the answer in writing before anything is signed.
- Take the notice to a lawyer of your own choosing before respondingMany will read a notice of assessment at no charge for a first appointment. Ask what the appointment costs before making it.Before the decision period runs out.Any solicitor. The Queensland Law Society directory lists them and so does Legal Aid Queensland.Bring the notice, the offer if there is one, and the medical reports. There is no rule that a notice must be responded to without advice.
The reconsideration window on a Comcare determination
Comcare states that an application for reconsideration of a determination must be submitted within 30 days, or an extension of time sought.
What to ask
Why this is here: You told us . Comcare states that an application for reconsideration of a determination must be submitted within 30 days, or an extension of time sought, and that compensation for medical treatment is not suspended by the suspension provisions. What date Comcare has recorded for the determination is a question only Comcare can answer.
Source: Comcare, Long-term injury or impairment (published guidance), Reconsideration · Checked 14 August 2026
Time limited. A 30 day window applies. Ask about the reconsideration window before the 30 days runs out if:
- a determination letter has arrived
- payments have stopped or been reduced
- something that was claimed was refused
- the letter uses the word determination
Comcare states that an application for reconsideration must be submitted within 30 days, or an extension of time sought. Comcare can confirm which document started the count. Compensation for medical treatment is not suspended by the suspension provisions.
- Call the number on the letter and ask what the date on it is counted fromFree.As soon as the letter is in hand. Before the date it names, not after.The claims line printed on the letter itself. That number reaches the office holding the file.Read out the reference number at the top, then ask: "What is this date counted from, what happens on it, and can you put that in writing?" Write down the name of the person who answers and the date of the call.
- Ask the claims agent how many weeks have been counted on the claimFree.Any weekday. Worth doing whether or not a letter has arrived.The claims agent or insurer named on the correspondence.Ask: "How many weeks have been counted on this claim, what date is the count running from, and is the count in weeks paid or elapsed weeks?" Ask for the answer in writing. That number is the one this page cannot know.
- Ask a union or professional body, where there is oneFree for members. Many will talk to a former member about a claim from the time of membership.Any weekday.The union or professional body covering the work the injury happened in.Many run their own workers compensation support and have seen the same letter hundreds of times. Ask what they have seen this letter mean in practice.
- Contact Legal Aid or a community legal centreFree.Any weekday, and before any date named on a letter.Legal Aid runs in every state and territory. Community legal centres take questions Legal Aid cannot take.Say which scheme the claim is under and what the letter says. Ask what the review route is and what the time limit on it is.
The end of the second designated period in South Australia
In South Australia weekly payments under section 39 run for two designated periods of 52 weeks each, measured as elapsed time from when the incapacity for work first occurred, and the section does not apply to a seriously injured worker.
What to ask
Why this is here: You told us work last happened in , and that the claim is a South Australian one. South Australia counts the two designated periods as elapsed time from the date the incapacity for work first occurred, not as weeks in which a payment was made, so a period back at work does not push the end point out. Which date the count runs from is a question only ReturnToWorkSA or the claims agent can answer.
Why this is here: You told us the claim is a South Australian one. South Australia counts the two designated periods as elapsed time from the date the incapacity for work first occurred, not as weeks in which a payment was made, so a period back at work does not push the end point out. Which date the count runs from, and where the count sits, is a question only ReturnToWorkSA or the claims agent can answer.
Source: Return to Work Act 2014 (SA), consolidated version 4.12.2025, s 39(1) and s 39(3) · Checked 17 August 2026
Time limited. A period under the scheme's rules is running. Ask the claims agent where the count sits before the second designated period ends if:
- the claim is a South Australian workers compensation claim
- weekly payments are still arriving
- no impairment assessment has been arranged yet
- a letter has arrived about an impairment assessment or an examination
South Australia counts the two designated periods as elapsed time from the date the incapacity for work first occurred, so a period back at work does not push the end point out. The seriously injured worker threshold is 35 per cent whole person impairment for physical injury and 30 per cent for psychiatric injury, and the two are not added together. Which date the count runs from, and which threshold applies, are questions for ReturnToWorkSA or the claims agent.
- Ask the claims agent how many weeks have been counted on the claimFree.Any weekday. Worth doing whether or not a letter has arrived.The claims agent or insurer named on the correspondence.Ask: "How many weeks have been counted on this claim, what date is the count running from, and is the count in weeks paid or elapsed weeks?" Ask for the answer in writing. That number is the one this page cannot know.
- Ask ReturnToWorkSA which threshold applies and which date decides itFree.Before an impairment assessment is arranged, if possible.ReturnToWorkSA, or the claims agent named on the correspondence.Ask: "Which seriously injured worker threshold applies to this claim, and is that decided by the date of the final examination by the assessing doctor?" Ask in writing. The physical and psychiatric figures are measured against separate thresholds and are not added together.
- Ask the treating doctor for a copy of what was sent to the schemeUsually free. Some practices charge for copying, and it is worth asking first.After any assessment, report or certificate goes to a scheme or an insurer.The treating doctor's practice, or the specialist who did the assessment.Ask for a copy of the report or certificate that went to the scheme, and ask which guidelines the assessment was done under. Both are ordinary requests and neither needs a reason.
- Ask a union or professional body, where there is oneFree for members. Many will talk to a former member about a claim from the time of membership.Any weekday.The union or professional body covering the work the injury happened in.Many run their own workers compensation support and have seen the same letter hundreds of times. Ask what they have seen this letter mean in practice.
- Call the super fund and ask what is attached to the accountFree.During the fund's published contact hours. You do not need to wait for a letter. Have your member number, if known, full name, date of birth and current address ready, plus an earlier account address if the fund's details may be outdated.The member line printed on the fund's website and on the annual statement. One call per fund.Say: "I'd like to know what insurance is attached to my account, whether it is still active, and can you send me the policy documents." That one sentence covers all three. Ask for the answer in writing as well.
A date printed on a letter that has already arrived
Some letters from a scheme or an insurer carry a date a reply is due by, and the date is printed on the letter itself.
What the letter itself carries
A determination must be given in writing, with the reasons for it and a statement that a reconsideration can be requested. A request must be given to the determining authority within 30 days after the day the determination first came to the person's notice, or within such further period as the authority allows. The Act lets it allow that further period before or after the 30 days has run, so the 30 days is a time to ask in and not a bar on asking.
Source: Safety, Rehabilitation and Compensation Act 1988 (Cth) ss 61(1), 62(2) and 62(3)(b) · Checked 28 August 2026
That is the rule as published. It is not a date for this claim. The date printed on the letter, and the day it arrived, are the two dates that matter here, and the office that sent the letter is the only place the count can be confirmed.
What the letter itself carries
That is the rule as published. It is not a date for this claim. The date printed on the letter, and the day it arrived, are the two dates that matter here, and the office that sent the letter is the only place the count can be confirmed.
What the letter itself carries
That is the rule as published. It is not a date for this claim. The date printed on the letter, and the day it arrived, are the two dates that matter here, and the office that sent the letter is the only place the count can be confirmed.
What the letter itself carries
A termination given solely on the ground that the second entitlement period has expired carries 13 weeks of notice, which the manual states as 91 days, plus time for postage where the notice is posted. The period starts from the date the worker receives the notice, not from the date printed on it. Other grounds for termination carry shorter periods.
Source: WorkSafe Victoria Online Claims Manual 3.9.9 · Checked 17 August 2026
That is the rule as published. It is not a date for this claim. The date printed on the letter, and the day it arrived, are the two dates that matter here, and the office that sent the letter is the only place the count can be confirmed.
What to ask
Why this is here: You told us . In Victoria the claims manual sets a timetable for that notice, and requires an entitlement decision to be made by week 116 with notice given before payments change. Which week the count has reached is a question only the claims agent can answer.
Source: WorkSafe Victoria Online Claims Manual, 3.3.4.1 and 3.9.9 · Checked 17 August 2026
Why this is here: You told us . In New South Wales a decision about current work capacity, about what could be earned, or about the rate of weekly payments is a defined kind of decision with its own published route. Which decision was made, and when it was made, is a question only the insurer that sent the letter can answer.
Source: Workers Compensation Act 1987 (NSW), consolidation in force 1 July 2026 to date, s 43(1) · Checked 14 August 2026
Why this is here: You told us . In Queensland the entitlement to weekly payments stops at the first of three things, and one of them is a document rather than a clock. Which of the three the insurer has applied is a question only the insurer can answer.
Source: Workers' Compensation and Rehabilitation Act 2003 (Qld), reprint current from 1 January 2025 to date, s 144A(1)(a) to (c) and s 144A(2) · Checked 17 August 2026
Why this is here: You told us . In South Australia the section says there is no entitlement to weekly payments under it after the end of 104 weeks from the date the incapacity for work first occurred, and that the section does not apply to a seriously injured worker. Which date the count runs from is a question only the claims agent can answer.
Source: Return to Work Act 2014 (SA), consolidated version 4.12.2025, s 39(3) · Checked 17 August 2026
Why this is here: You told us . Comcare states that an application for reconsideration of a determination must be submitted within 30 days, or an extension of time sought. Which document counts as the determination, and what date is recorded against it, is a question only Comcare can answer.
Source: Comcare, Long-term injury or impairment (published guidance), Reconsideration · Checked 14 August 2026
Why this is here: You told us . Under the Transport Accident Act, Loss of Earning Capacity ends at the expiry of 3 years from the date of accident for a client assessed at less than 50 per cent impairment. Which benefit the letter is about, and which date it is counted from, is a question only the TAC can answer.
Source: Transport Accident Commission, published claims policy, How long are LOEC benefits payable for · Checked 14 August 2026
Why this is here: You told us . A review of the Disability Support Pension tests two separate things: whether a person continues to qualify for the payment, and whether the rate being paid is correct. Which of the two this review is about is a question only Services Australia can answer.
Source: Social Security Guide (Department of Social Services), 6.2.5.05 (with 3.6.1.100) · Checked 17 August 2026
Check the response and review time limits. Speak to someone before the response date on the letter if:
- the letter gives a date a reply is due by
- payments have already stopped
- the letter asks for a decision that cannot be undone
- the letter says a claim or a payment is being reviewed or reassessed
Keep the date on the letter in view. Ask the organisation handling the claim to confirm any response or review time limits, including ones that are not stated clearly.
- Call the number on the letter and ask what the date on it is counted fromFree.As soon as the letter is in hand. Before the date it names, not after.The claims line printed on the letter itself. That number reaches the office holding the file.Read out the reference number at the top, then ask: "What is this date counted from, what happens on it, and can you put that in writing?" Write down the name of the person who answers and the date of the call.
- Ask a union or professional body, where there is oneFree for members. Many will talk to a former member about a claim from the time of membership.Any weekday.The union or professional body covering the work the injury happened in.Many run their own workers compensation support and have seen the same letter hundreds of times. Ask what they have seen this letter mean in practice.
- Contact Legal Aid or a community legal centreFree.Any weekday, and before any date named on a letter.Legal Aid runs in every state and territory. Community legal centres take questions Legal Aid cannot take.Say which scheme the claim is under and what the letter says. Ask what the review route is and what the time limit on it is.
- Ask the claims agent how many weeks have been counted on the claimFree.Any weekday. Worth doing whether or not a letter has arrived.The claims agent or insurer named on the correspondence.Ask: "How many weeks have been counted on this claim, what date is the count running from, and is the count in weeks paid or elapsed weeks?" Ask for the answer in writing. That number is the one this page cannot know.
The 16 month inactivity rule on cover inside super
A trustee must stop insurance cover where no contributions or rollovers have arrived on the account for 16 continuous months, unless the member elects in writing to keep it.
What to ask
Why this is here: You told us , and that work last happened in . Where no contributions or rollovers have arrived on a super account for 16 continuous months, the trustee must stop the insurance cover on it, unless the member has said in writing that they want it kept. What has arrived on an account, and when, is a question only that fund can answer.
Why this is here: You told us . Where no contributions or rollovers have arrived on a super account for 16 continuous months, the trustee must stop the insurance cover on it, unless the member has said in writing that they want it kept. What has arrived on an account, and when, is a question only that fund can answer.
Source: Superannuation Industry (Supervision) Act 1993 (Cth), s 68AAA · Checked 14 August 2026
Time limited. A 16 month count applies. Ask each fund about the 16 month rule before an account goes quiet if:
- contributions stopped when work stopped
- there is more than one super account
- a fund has written about an inactive or low balance account
- a fund has mentioned transferring a balance to the ATO
Where no contributions or rollovers have arrived on an account for 16 continuous months, the trustee must stop the insurance cover on it, unless the member has said in writing that they want it kept. What has arrived on an account, and when, is a question for that fund.
- Call the super fund and ask what is attached to the accountFree.During the fund's published contact hours. You do not need to wait for a letter. Have your member number, if known, full name, date of birth and current address ready, plus an earlier account address if the fund's details may be outdated.The member line printed on the fund's website and on the annual statement. One call per fund.Say: "I'd like to know what insurance is attached to my account, whether it is still active, and can you send me the policy documents." That one sentence covers all three. Ask for the answer in writing as well.
- Check myGov for every fund that has ever reported an accountFree.Any time. Useful before calling, because it produces the list of funds to call.myGov, linked to the Australian Taxation Office, under super.The list includes funds since closed or rolled over. Write down every name on it, including ones that look unfamiliar, and make the same call to each.
- Call the ATO on 13 10 20 and ask for the same super search by phoneFree.Weekdays, in business hours. This is the route for anyone who cannot get into myGov.The ATO on 13 10 20.Ask for a list of every super account reported against the tax file number, including closed accounts. Ask for it in writing or by post if reading a screen is hard.
Things already in motion
A payment that has stopped or stepped down, a review that has started, a decision that has been made.
Weekly payments that have stopped or stepped down
Every scheme on this tool changes the rate of weekly payments at published points, and each change is made by a decision that carries a review path.
What to ask
Why this is here: You told us . Victoria publishes a step at the end of the first entitlement period, from 95 per cent of pre injury average weekly earnings to 80 per cent, and Victorian weeks are counted as weeks paid rather than calendar weeks. How many weeks have been counted on the claim is a question only the claims agent can answer.
Source: Workplace Injury Rehabilitation and Compensation Act 2013 (Vic), authorised version 053, s 162 · Checked 13 August 2026
Why this is here: You told us . In New South Wales the second entitlement period runs on a different rate from the first, and the weeks are aggregated: all weeks paid are added together across any gaps, so a stop and a restart does not reset the count. What the running total is on the claim is a question only the insurer can answer.
Source: Workers Compensation Act 1987 (NSW), consolidation in force 1 July 2026 to date, s 37(1) to (3) · Checked 13 August 2026
Why this is here: You told us . Queensland publishes a step from the end of 26 weeks to the end of 2 years, and another from 2 years to 5 years, both measured from the start of the incapacity rather than from the claim. Which date the insurer is measuring from is a question only the insurer can answer.
Source: Workers' Compensation and Rehabilitation Act 2003 (Qld), reprint current from 1 January 2025 to date, s 150(1)(b), with ss 151 and 152 · Checked 17 August 2026
Why this is here: You told us . In South Australia the second designated period is the 52 weeks beginning immediately after the first, and it runs at a lower published rate. Where the count sits, and which date it started from, is a question only the claims agent can answer.
Source: Return to Work Act 2014 (SA), consolidated version 4.12.2025, s 39(1)(b)(i) and (ii) · Checked 17 August 2026
Why this is here: You told us . Under the Comcare scheme the first 45 weeks are counted in hours rather than calendar weeks, and after them an adjustment percentage applies to normal weekly earnings less actual earnings. How the hours have been counted on the claim is a question only Comcare can answer.
Source: Safety, Rehabilitation and Compensation Act 1988 (Cth), compilation in force 1 July 2026, s 19(3) · Checked 14 August 2026
Why this is here: You told us . Under the Transport Accident Act, Loss of Earnings benefits run for a maximum of 18 months from the date of accident, and Loss of Earning Capacity benefits are payable from 18 months after the accident under a different test. Which benefit is being paid now is a question only the TAC can answer.
Source: Transport Accident Act 1986 (Vic), s 53 · Checked 14 August 2026
- Ask the claims agent how many weeks have been counted on the claimFree.Any weekday. Worth doing whether or not a letter has arrived.The claims agent or insurer named on the correspondence.Ask: "How many weeks have been counted on this claim, what date is the count running from, and is the count in weeks paid or elapsed weeks?" Ask for the answer in writing. That number is the one this page cannot know.
- Call the number on the letter and ask what the date on it is counted fromFree.As soon as the letter is in hand. Before the date it names, not after.The claims line printed on the letter itself. That number reaches the office holding the file.Read out the reference number at the top, then ask: "What is this date counted from, what happens on it, and can you put that in writing?" Write down the name of the person who answers and the date of the call.
- Ask a union or professional body, where there is oneFree for members. Many will talk to a former member about a claim from the time of membership.Any weekday.The union or professional body covering the work the injury happened in.Many run their own workers compensation support and have seen the same letter hundreds of times. Ask what they have seen this letter mean in practice.
- Call the National Debt Helpline on 1800 007 007 for a free financial counsellorFree. Financial counsellors are not paid by anybody for a referral and sell nothing.Any weekday. Before any decision about taking money out of super, not after.The National Debt Helpline on 1800 007 007.Say what is coming in, what is going out, and what decision is in front of you. A counsellor can talk through what taking money out of super would do to tax, to cover, and to payments worked out on income and assets.
A decision that has a published review path
A refusal, a reduction, a work capacity decision and a review of a payment are all decisions, and each scheme publishes who looks at them again.
What to ask
Why this is here: You told us . In New South Wales a work capacity decision is a defined kind of insurer decision, about current work capacity, about what could be earned in suitable employment, and about the rate that follows. Which decision was made, and which review route it carries, is a question only the insurer can answer.
Source: Workers Compensation Act 1987 (NSW), consolidation in force 1 July 2026 to date, s 43(1) · Checked 14 August 2026
Why this is here: You told us . Where the degree of permanent impairment was not assessed by a medical assessment tribunal, the Act gives a worker who disagrees with it a published route to have it looked at again. Which route applies to a particular notice is a question only the insurer that issued it can answer.
Source: Workers' Compensation and Rehabilitation Act 2003 (Qld), reprint current from 1 January 2025 to date, s 186(1) to (7) · Checked 17 August 2026
Why this is here: You told us . Services Australia states that it does regular reviews, and a review tests two separate things: whether a person continues to qualify, and whether the rate is right. Which of the two a particular review is about is a question only Services Australia can answer.
Source: Social Security Guide (Department of Social Services), 6.2.5.05 (with 3.6.1.100) · Checked 17 August 2026
Why this is here: You told us . Under the Comcare scheme a determination can be reconsidered on application within 30 days, or an extension of time can be sought. What was determined, and on what date, is a question only Comcare can answer.
Source: Comcare, Long-term injury or impairment (published guidance), Reconsideration · Checked 14 August 2026
- Call the number on the letter and ask what the date on it is counted fromFree.As soon as the letter is in hand. Before the date it names, not after.The claims line printed on the letter itself. That number reaches the office holding the file.Read out the reference number at the top, then ask: "What is this date counted from, what happens on it, and can you put that in writing?" Write down the name of the person who answers and the date of the call.
- Contact Legal Aid or a community legal centreFree.Any weekday, and before any date named on a letter.Legal Aid runs in every state and territory. Community legal centres take questions Legal Aid cannot take.Say which scheme the claim is under and what the letter says. Ask what the review route is and what the time limit on it is.
- Ask a union or professional body, where there is oneFree for members. Many will talk to a former member about a claim from the time of membership.Any weekday.The union or professional body covering the work the injury happened in.Many run their own workers compensation support and have seen the same letter hundreds of times. Ask what they have seen this letter mean in practice.
- Take a complaint about an insurer to the Australian Financial Complaints AuthorityFree to the complainant.After the insurer's own complaints process has been used, or where it has not answered.The Australian Financial Complaints Authority. National, and it covers insurers inside super funds.Complain to the insurer first and keep the reference number. Say what was decided, when, and what was asked for.
Employment that has ended while a claim is running
When employment ends, employer contributions to a super account usually stop, and the rules about cover inside super turn on whether contributions or rollovers are still arriving.
What to ask
Why this is here: You told us . When employment ends, employer contributions to a super account usually stop, and there is a rule that a trustee must stop insurance cover on an account where no contributions or rollovers have arrived for 16 continuous months, unless the member elects in writing to keep it. Whether anything is still arriving on an account is a question only that fund can answer.
Source: Superannuation Industry (Supervision) Act 1993 (Cth), s 68AAA · Checked 14 August 2026
- Call the super fund and ask what is attached to the accountFree.During the fund's published contact hours. You do not need to wait for a letter. Have your member number, if known, full name, date of birth and current address ready, plus an earlier account address if the fund's details may be outdated.The member line printed on the fund's website and on the annual statement. One call per fund.Say: "I'd like to know what insurance is attached to my account, whether it is still active, and can you send me the policy documents." That one sentence covers all three. Ask for the answer in writing as well.
- Check myGov for every fund that has ever reported an accountFree.Any time. Useful before calling, because it produces the list of funds to call.myGov, linked to the Australian Taxation Office, under super.The list includes funds since closed or rolled over. Write down every name on it, including ones that look unfamiliar, and make the same call to each.
- Ask the insurer for the policy document that applied when work stoppedFree.After the fund has named which insurer holds the cover.The insurer's claims line, or the fund, which can request it on a member's behalf.Ask for the insurance guide or policy document in force on the date work stopped, and for the definition used in it, in writing. Funds change insurers, so name the date, not just the year.
Things that will still be there next month
A question about an account that no deadline is running against, such as insurance cover inside an old super fund.
Insurance held inside a super account
Insurance is commonly attached to a super account, including accounts a person has since closed, merged or rolled over, and a fund answers for its own accounts free.
What to ask
Why this is here: You told us , and that work last happened in . Insurance is commonly attached to a super account, including accounts since closed, merged or rolled over, and there are published rules about when a trustee must stop that cover. What is attached to an account, and whether it is still on, is a question only that fund can answer.
Why this is here: You told us . Insurance is commonly attached to a super account, including accounts since closed, merged or rolled over, and there are published rules about when a trustee must stop that cover. What is attached to an account, and whether it is still on, is a question only that fund can answer.
Source: Superannuation Industry (Supervision) Act 1993 (Cth), s 68AAA · Checked 14 August 2026
Why this is here: The Disability Support Pension was selected. Insurance attached to a super account is separate from a Centrelink payment. Each fund can explain its own account records and which dates need checking.
Source: Superannuation Industry (Supervision) Act 1993 (Cth), s 68AAA · Checked 14 August 2026
- Call the super fund and ask what is attached to the accountFree.During the fund's published contact hours. You do not need to wait for a letter. Have your member number, if known, full name, date of birth and current address ready, plus an earlier account address if the fund's details may be outdated.The member line printed on the fund's website and on the annual statement. One call per fund.Say: "I'd like to know what insurance is attached to my account, whether it is still active, and can you send me the policy documents." That one sentence covers all three. Ask for the answer in writing as well.
- Check myGov for every fund that has ever reported an accountFree.Any time. Useful before calling, because it produces the list of funds to call.myGov, linked to the Australian Taxation Office, under super.The list includes funds since closed or rolled over. Write down every name on it, including ones that look unfamiliar, and make the same call to each.
- Call the ATO on 13 10 20 and ask for the same super search by phoneFree.Weekdays, in business hours. This is the route for anyone who cannot get into myGov.The ATO on 13 10 20.Ask for a list of every super account reported against the tax file number, including closed accounts. Ask for it in writing or by post if reading a screen is hard.
- Ask the insurer for the policy document that applied when work stoppedFree.After the fund has named which insurer holds the cover.The insurer's claims line, or the fund, which can request it on a member's behalf.Ask for the insurance guide or policy document in force on the date work stopped, and for the definition used in it, in writing. Funds change insurers, so name the date, not just the year.
- Ask us to introduce you to a firm that handles total and permanent disability claimsYou pay us nothing. Panel firms are no win no fee and the firm pays us a fixed fee, whichever firm it is.Whenever you want, and never before the free routes above have been offered. There is no deadline on this and nothing here needs it.ClaimGuide.The introduction is for a total and permanent disability, income protection or early release of super matter, and for nothing else. You can stop at any point.
Release of super on permanent incapacity, which the trustee decides
Permanent incapacity is a condition of release that the trustee of a fund decides on, separately from any insurer, and it does not depend on there being any insurance on the account.
What to ask
Why this is here: You told us . Permanent incapacity is a condition of release that a trustee decides on, separately from any insurer, and the regulation names no impairment percentage. Whether that condition of release is available on an account is a question only the trustee of that fund can answer.
Source: Superannuation Industry (Supervision) Regulations 1994 (Cth), reg 1.03C · Checked 14 August 2026
Permanent incapacity is a condition of release. The trustee of the fund decides it, separately from any insurer, and no impairment percentage appears in the regulation. A trustee may release benefits where it is reasonably satisfied that ill health, physical or mental, makes it unlikely the member will engage in gainful employment for which the member is reasonably qualified by education, training or experience. Taking money out of super is a separate decision with consequences of its own: there can be tax to pay on a payment received under 60, taking money out can end any insurance cover still attached to the account, and it can change payments that are worked out on income and assets. Free routes come first here. The fund itself answers questions about its own conditions of release, free, and a financial counsellor through the National Debt Helpline on 1800 007 007 is free and sells nothing. Whether this condition of release is available on an account is a question only the trustee of that fund can answer.
- Call the super fund and ask what is attached to the accountFree.During the fund's published contact hours. You do not need to wait for a letter. Have your member number, if known, full name, date of birth and current address ready, plus an earlier account address if the fund's details may be outdated.The member line printed on the fund's website and on the annual statement. One call per fund.Say: "I'd like to know what insurance is attached to my account, whether it is still active, and can you send me the policy documents." That one sentence covers all three. Ask for the answer in writing as well.
- Call the National Debt Helpline on 1800 007 007 for a free financial counsellorFree. Financial counsellors are not paid by anybody for a referral and sell nothing.Any weekday. Before any decision about taking money out of super, not after.The National Debt Helpline on 1800 007 007.Say what is coming in, what is going out, and what decision is in front of you. A counsellor can talk through what taking money out of super would do to tax, to cover, and to payments worked out on income and assets.
- Ask Services Australia how a payment would be treated before anything is signedFree.Before signing anything, and before any money moves. Afterwards is harder to undo.Services Australia, through the number on the letter or through myGov.Ask: "If a payment of this kind came in, how would it be treated under the income test and the assets test, and would a preclusion period apply?" Ask for the answer in writing. Services Australia also requires changes to be reported within 14 days, including a lump sum and a change in income or assets.
- Call the ATO on 13 10 20 and ask for the same super search by phoneFree.Weekdays, in business hours. This is the route for anyone who cannot get into myGov.The ATO on 13 10 20.Ask for a list of every super account reported against the tax file number, including closed accounts. Ask for it in writing or by post if reading a screen is hard.
- Ask us to introduce you to a firm that handles early release of superYou pay us nothing. Panel firms are no win no fee and the firm pays us a fixed fee, whichever firm it is.Whenever you want, and never before the free routes above have been offered. There is no deadline on this and nothing here needs it.ClaimGuide.The introduction is for a total and permanent disability, income protection or early release of super matter, and for nothing else. You can stop at any point.
What a super benefit does, and does not, do to a Centrelink payment
Compensation rules bite on payments made for lost earnings or for lost capacity to earn. A total and permanent disability benefit generally is not that, and "Centrelink will just take it back" is a widely held belief that stops people asking.
What to ask
Why this is here: You told us the payment coming in is the Disability Support Pension. Super in the accumulation phase is disregarded under both the income test and the assets test while a person is under age pension age, and a lump sum disability benefit paid from a super fund is not assessed as income. How any particular payment is treated is a question only Services Australia can answer.
Source: Social Security Guide (Department of Social Services), 4.8.2.10 · Checked 14 August 2026
Why this is here: You told us . Where a lump sum includes an economic loss component, the compensation part is divided by the income cut out amount that applied when it was received, which produces a preclusion period of whole weeks that can reach backwards. How a particular payment would be treated is a question only Services Australia can answer.
Source: Social Security Act 1991 (Cth), s 1170 (with Social Security Guide 4.13.2.60) · Checked 14 August 2026
A lot of people are told that Centrelink will simply take back anything they receive, and stop asking there. The published rules are narrower than that. The compensation rules apply to payments made for lost earnings or for lost capacity to earn. A lump sum disability benefit paid from a super fund is not assessed as income, and super in the accumulation phase is disregarded under both the income test and the assets test while a person is under age pension age. Taking money out of super changes this. Once it is out it is an ordinary asset and it is counted, so ask Services Australia before you withdraw anything. Income protection and sickness and accident payments are treated differently again, because they are made in respect of lost earnings. Which rule applies to a particular payment is a question only Services Australia can answer.
Before a decision. Nothing here is dated; the order of steps is the point. Ask Services Australia before anything is signed or withdrawn if:
- an offer or a settlement is in front of you
- a lump sum has already been paid
- money is about to be taken out of super
- a Centrelink payment is currently being paid
Super in the accumulation phase is disregarded under both the income test and the assets test while a person is under age pension age. Taking money out of super changes this, so ask Services Australia before you withdraw anything. Services Australia also requires changes to be reported within 14 days, including a lump sum payment and a change in income or assets.
- Ask Services Australia how a payment would be treated before anything is signedFree.Before signing anything, and before any money moves. Afterwards is harder to undo.Services Australia, through the number on the letter or through myGov.Ask: "If a payment of this kind came in, how would it be treated under the income test and the assets test, and would a preclusion period apply?" Ask for the answer in writing. Services Australia also requires changes to be reported within 14 days, including a lump sum and a change in income or assets.
- Call the National Debt Helpline on 1800 007 007 for a free financial counsellorFree. Financial counsellors are not paid by anybody for a referral and sell nothing.Any weekday. Before any decision about taking money out of super, not after.The National Debt Helpline on 1800 007 007.Say what is coming in, what is going out, and what decision is in front of you. A counsellor can talk through what taking money out of super would do to tax, to cover, and to payments worked out on income and assets.
- Call the super fund and ask what is attached to the accountFree.During the fund's published contact hours. You do not need to wait for a letter. Have your member number, if known, full name, date of birth and current address ready, plus an earlier account address if the fund's details may be outdated.The member line printed on the fund's website and on the annual statement. One call per fund.Say: "I'd like to know what insurance is attached to my account, whether it is still active, and can you send me the policy documents." That one sentence covers all three. Ask for the answer in writing as well.
- Report a change to Services Australia within 14 daysFree.Within 14 days of the change. That is the published period.myGov, the Express Plus app, or the phone number on the letter.The published list includes receiving a lump sum payment and a change in income or assets. Reporting it is not the same as agreeing with how it will be treated.
Income protection held inside super
Income protection held inside super is cashed as a non commutable income stream, for no longer than the period of incapacity, and Centrelink treats it differently from a lump sum.
What to ask
Why this is here: You told us . Income protection held inside super is cashed as a non commutable income stream, for no longer than the period of incapacity, which makes it a different thing from a lump sum and a different thing again from a weekly scheme payment. Whether that kind of cover is attached to an account is a question only that fund can answer.
Source: Superannuation Industry (Supervision) Regulations 1994 (Cth), Schedule 1, item 109 · Checked 14 August 2026
- Call the super fund and ask what is attached to the accountFree.During the fund's published contact hours. You do not need to wait for a letter. Have your member number, if known, full name, date of birth and current address ready, plus an earlier account address if the fund's details may be outdated.The member line printed on the fund's website and on the annual statement. One call per fund.Say: "I'd like to know what insurance is attached to my account, whether it is still active, and can you send me the policy documents." That one sentence covers all three. Ask for the answer in writing as well.
- Ask the insurer for the policy document that applied when work stoppedFree.After the fund has named which insurer holds the cover.The insurer's claims line, or the fund, which can request it on a member's behalf.Ask for the insurance guide or policy document in force on the date work stopped, and for the definition used in it, in writing. Funds change insurers, so name the date, not just the year.
- Ask Services Australia how a payment would be treated before anything is signedFree.Before signing anything, and before any money moves. Afterwards is harder to undo.Services Australia, through the number on the letter or through myGov.Ask: "If a payment of this kind came in, how would it be treated under the income test and the assets test, and would a preclusion period apply?" Ask for the answer in writing. Services Australia also requires changes to be reported within 14 days, including a lump sum and a change in income or assets.
- Ask us to introduce you to a firm that handles income protection claimsYou pay us nothing. Panel firms are no win no fee and the firm pays us a fixed fee, whichever firm it is.Whenever you want, and never before the free routes above have been offered. There is no deadline on this and nothing here needs it.ClaimGuide.The introduction is for a total and permanent disability, income protection or early release of super matter, and for nothing else. You can stop at any point.
How the Disability Support Pension test is set out
The Disability Support Pension has no claim timetable. It has a test, and the test is published: an impairment rating of at least 20 points, a continuing inability to work, and in most cases a program of support.
What to ask
Why this is here: You told us . The Disability Support Pension runs on a published test rather than on a timetable: an impairment rating of at least 20 points that persists after reasonable treatment, a continuing inability to work, and in most cases 18 months of active participation in a program of support. Whether that test is being applied to anyone is a question only Services Australia can answer.
Source: Social Security Act 1991 (Cth), s 94(1) · Checked 14 August 2026
- Ask Services Australia how a payment would be treated before anything is signedFree.Before signing anything, and before any money moves. Afterwards is harder to undo.Services Australia, through the number on the letter or through myGov.Ask: "If a payment of this kind came in, how would it be treated under the income test and the assets test, and would a preclusion period apply?" Ask for the answer in writing. Services Australia also requires changes to be reported within 14 days, including a lump sum and a change in income or assets.
- Ask the treating doctor for a copy of what was sent to the schemeUsually free. Some practices charge for copying, and it is worth asking first.After any assessment, report or certificate goes to a scheme or an insurer.The treating doctor's practice, or the specialist who did the assessment.Ask for a copy of the report or certificate that went to the scheme, and ask which guidelines the assessment was done under. Both are ordinary requests and neither needs a reason.
- Contact Legal Aid or a community legal centreFree.Any weekday, and before any date named on a letter.Legal Aid runs in every state and territory. Community legal centres take questions Legal Aid cannot take.Say which scheme the claim is under and what the letter says. Ask what the review route is and what the time limit on it is.
Other things this page could show you
- The decision period on a Queensland notice of assessment
- The reconsideration window on a Comcare determination
- The end of the second designated period in South Australia
- A date printed on a letter that has already arrived
- The 16 month inactivity rule on cover inside super
- Weekly payments that have stopped or stepped down
- A decision that has a published review path
- Employment that has ended while a claim is running
- Insurance held inside a super account
- Release of super on permanent incapacity, which the trustee decides
- What a super benefit does, and does not, do to a Centrelink payment
- Income protection held inside super
- How the Disability Support Pension test is set out
Next See the timetable
Step 3 of 4
The scheme's timetable.
Every scheme runs to a published timetable, and this section shows the marked points on the one named here, with the rule behind each point and the date it was checked.
Workers compensation, Victoria
Workplace Injury Rehabilitation and Compensation Act 2013 (Vic), called the WIRC Act below.
The Workers compensation, Victoria line drawn as a rail: 6 marked points from Week 1 to After payments, spaced to the scheme's own timetable. No point marks a reader's position. Every point is listed, with its rule and source, in the table on this page.
What this page assumes
- That your payments have run without a break. Victorian weeks are counted as weeks paid, not calendar weeks. Any period where payments stopped and restarted moves every date after it.That your payments have run without a break. Victorian weeks are counted as weeks paid, not calendar weeks. Any period where payments stopped and restarted moves every date after it.That their payments have run without a break. Victorian weeks are counted as weeks paid, not calendar weeks. Any period where payments stopped and restarted moves every date after it.That their payments have run without a break. Victorian weeks are counted as weeks paid, not calendar weeks. Any period where payments stopped and restarted moves every date after it.
- That the count started when you stopped work. If you were paid while on modified duties first, the count started earlier than the date you gave us.That the count started when you stopped work. If you were paid while on modified duties first, the count started earlier than the date you gave us.That the count started when they stopped work. If they were paid while on modified duties first, the count started earlier than the date you gave us.That the count started when they stopped work. If they were paid while on modified duties first, the count started earlier than the date you gave us.
- That nothing has been separately determined on your claim in a way that changes the schedule.That nothing has been separately determined on your claim in a way that changes the schedule.That nothing has been separately determined on their claim in a way that changes the schedule.That nothing has been separately determined on their claim in a way that changes the schedule.
- That the rules on this page are the ones that apply to your claim. Checked 17 August 2026. Rules change, and some changes apply only to claims made after a set date.That the rules on this page are the ones that apply to your claim. Checked 17 August 2026. Rules change, and some changes apply only to claims made after a set date.That the rules on this page are the ones that apply to their claim. Checked 17 August 2026. Rules change, and some changes apply only to claims made after a set date.That the rules on this page are the ones that apply to their claim. Checked 17 August 2026. Rules change, and some changes apply only to claims made after a set date.
Any one of these can be different for you. Your agent can tell you how many weeks have been counted on your claim. That is the number this page cannot know, and it is worth asking for.Any one of these can be different for you. Your agent can tell you how many weeks have been counted on your claim. That is the number this page cannot know, and it is worth asking for.Any one of these can be different for them. Their agent can tell them how many weeks have been counted on the claim. That is the number this page cannot know, and it is worth asking for.Any one of these can be different for them. Their agent can tell them how many weeks have been counted on the claim. That is the number this page cannot know, and it is worth asking for.
Workers compensation, Victoria: the marked points on the published timetable, drawn to the scheme's own clock. Rules checked between 13 and 17 August 2026. Sources are spelled out in the table below.
Where a refused decision goes next
You told us the claim was rejected, so this page does not draw the payments timetable. That timetable describes a claim the scheme has accepted, and drawing it here would be a picture of money that did not arrive. What every scheme on this tool does publish is the route a refused decision takes, and the period named on the first step of it.
- First
Ask for conciliation
A dispute about a decision goes to the Accident Compensation Conciliation Service (ACCS). The Act sets 60 days after notice of the decision was given to or served on the worker, and ACCS may allow a late referral where it considers that appropriate in the circumstances of the case.
Source: Workplace Injury Rehabilitation and Compensation Act 2013 (Vic) ss 289A(1), 289A(4) and 289B · Checked 28 August 2026 - Then
Conciliation, and the certificate it ends in
Where a dispute is resolved at conciliation, ACCS issues an outcome certificate and each party is bound by the result. Court proceedings cannot be started until the dispute has been referred for conciliation and ACCS has certified that all reasonable steps have been taken to settle it.
Source: Workplace Injury Rehabilitation and Compensation Act 2013 (Vic) ss 296 and 273(1) · Checked 28 August 2026 - After that
Arbitration, or a court
ACCS can arbitrate some disputes. It cannot arbitrate a dispute about whether the person is a worker, whether they suffered an injury including a mental injury, whether the injury arose out of or in the course of employment, or whether the employment was a significant contributing factor. Those go to a court instead.
Source: Workplace Injury Rehabilitation and Compensation Act 2013 (Vic) s 301C(1) and (2A) · Checked 28 August 2026
Every period above is the published rule. Nothing on this page counts days for anyone, and no date here is a date for this claim. The decision carries its own date, and the office that made it is where the count is confirmed. The scheme's own timetable is still listed below: it is the timetable that runs on an accepted claim, and it is here as the published rule rather than as a picture of this one.
The marked points on this line
- Week 1
Payments begin at 95%
Weekly payments run at 95% of PIAWE (pre-injury average weekly earnings) for the first 13 weeks paid. The count is weeks paid, not calendar weeks.
Source: WIRC Act s 161, s 152 · Checked August 2026 - Week 14
First step-down, to 80%
From week 14 to week 130 of payments, the rate is 80% of PIAWE.
Source: WIRC Act s 162 · Checked August 2026 - Week 78
The review file opens
WorkSafe’s published instructions tell claims agents to begin the 130 week review by week 78. Most people are not told this has started.
Source: WorkSafe Claims Manual 3.3.4.1 · Checked August 2026 - Week 116
The decision is scheduled
The same manual timetable has the entitlement decision made by week 116, so the notice period can run before week 130.
Source: WorkSafe Claims Manual 3.3.4.1 · Checked August 2026 - Week 130
The 130 week test
Payments stop at 130 weeks unless the scheme determines the worker has no current work capacity, likely to continue indefinitely, and whole person impairment (WPI) of more than 20%. WorkSafe words this as 21% or more. A termination on this ground needs 13 weeks (91 days) written notice.
Source: WIRC Act s 163(1); Claims Manual 3.9.9 · Checked August 2026 - After payments
Medical support tail
Medical and like expenses generally continue for 52 weeks after weekly payments end, with exceptions, including services essential to health or the activities of daily living.
Source: WIRC Act s 232 · Checked August 2026
Lines that can run beside yoursLines that can run beside yoursLines that can run beside theirsLines that can run beside theirs
- Income protection (IP)
- Total and permanent disability and life cover
- Superannuation and incapacity
- Centrelink
- Return to work
Got a letter? Look the phrase up
- "second entitlement period" or "the 130 week review"
- "no current work capacity" and "current work capacity"
- "likely to continue indefinitely" or "not likely to continue indefinitely"
- "whole person impairment" and "21% or more"
- "Impairment Specialist" and "estimated WPI"
- "administrative determination" and "interim determination"
- "Statement of Injuries" or "List of Compensable Injuries and/or Illnesses"
- "13 weeks' notice" and "the period of notice"
- "grounds relied on" and "reasons"
- "stabilised" and "material change"
- "vocational assessment"
Workers compensation, New South Wales
Workers Compensation Act 1987 (NSW). Section numbers below are from that Act.
The Workers compensation, New South Wales line drawn as a rail: 5 marked points from Week 1 to After payments, spaced to the scheme's own timetable. No point marks a reader's position. Every point is listed, with its rule and source, in the table on this page.
What this page assumes
- That the weeks on your claim are counted as an aggregate: all weeks paid, added together across any gaps. A stop and a restart does not reset the count. It all belongs to the same total.That the weeks on your claim are counted as an aggregate: all weeks paid, added together across any gaps. A stop and a restart does not reset the count. It all belongs to the same total.That the weeks on their claim are counted as an aggregate: all weeks paid, added together across any gaps. A stop and a restart does not reset the count. It all belongs to the same total.That the weeks on their claim are counted as an aggregate: all weeks paid, added together across any gaps. A stop and a restart does not reset the count. It all belongs to the same total.
- That the total includes weeks paid while on reduced hours or lighter duties, not only the time since work stopped altogether.
- That your claim sits under the ruleset matching the date it was first made. New South Wales changed some rules for claims made on or after 1 July 2026.That your claim sits under the ruleset matching the date it was first made. New South Wales changed some rules for claims made on or after 1 July 2026.That their claim sits under the ruleset matching the date it was first made. New South Wales changed some rules for claims made on or after 1 July 2026.That their claim sits under the ruleset matching the date it was first made. New South Wales changed some rules for claims made on or after 1 July 2026.
- That the rules on this page are the ones that apply to your claim. Checked 17 August 2026.That the rules on this page are the ones that apply to your claim. Checked 17 August 2026.That the rules on this page are the ones that apply to their claim. Checked 17 August 2026.That the rules on this page are the ones that apply to their claim. Checked 17 August 2026.
Any one of these can be different for you. Your insurer can tell you how many weeks have been counted on your claim, and it is worth asking for that in writing. That is the number this page cannot know.Any one of these can be different for you. Your insurer can tell you how many weeks have been counted on your claim, and it is worth asking for that in writing. That is the number this page cannot know.Any one of these can be different for them. The insurer can tell them how many weeks have been counted on the claim, and it is worth asking for that in writing. That is the number this page cannot know.Any one of these can be different for them. The insurer can tell them how many weeks have been counted on the claim, and it is worth asking for that in writing. That is the number this page cannot know.
Workers compensation, New South Wales: the marked points on the published timetable, drawn to the scheme's own clock. Rules checked between 13 and 17 August 2026. Sources are spelled out in the table below.
Where a refused decision goes next
You told us the claim was rejected, so this page does not draw the payments timetable. That timetable describes a claim the scheme has accepted, and drawing it here would be a picture of money that did not arrive. What every scheme on this tool does publish is the route a refused decision takes, and the period named on the first step of it.
- First
Ask the insurer to review it
A worker can ask the insurer to review a claim, or any part of a claim, that the insurer disputes. The request can be made at any time before the dispute is referred to the Commission, and the insurer must conduct the review and give its decision within 14 days of the request.
Source: Workplace Injury Management and Workers Compensation Act 1998 (NSW) s 287A · Checked 28 August 2026 - Then
The Personal Injury Commission
Any party to a dispute about a claim can refer it to the President for determination by the Personal Injury Commission. A dispute can only be referred about matters already notified as disputed, unless the Commission is satisfied it is in the interests of justice to hear more.
Source: Workplace Injury Management and Workers Compensation Act 1998 (NSW) ss 288(1) and 289A · Checked 28 August 2026 - Where payments are being cut
The stay
Referring a dispute to the Commission stays a work capacity decision to discontinue or reduce weekly payments, and a decision about a worker's pre-injury average weekly earnings. The stay only operates where the referral happens before the required period of notice expires, and it runs until the proceedings are determined, dismissed or discontinued.
Source: Workplace Injury Management and Workers Compensation Act 1998 (NSW) s 289B · Checked 28 August 2026
Every period above is the published rule. Nothing on this page counts days for anyone, and no date here is a date for this claim. The decision carries its own date, and the office that made it is where the count is confirmed. The scheme's own timetable is still listed below: it is the timetable that runs on an accepted claim, and it is here as the published rule rather than as a picture of this one.
The marked points on this line
- Week 1
Payments begin at 95%
Weekly payments run at up to 95% of PIAWE (pre-injury average weekly earnings) for the first 13 weeks.
Source: 1987 Act s 36 · Checked August 2026 - Week 14
Second entitlement period
From week 14 to week 130, 80% of PIAWE, or up to 95% where the worker has returned to work 15 hours or more a week.
Source: 1987 Act s 37 · Checked August 2026 - Week 130
The continuation test
Payments continue past 130 weeks only where the insurer assesses no current work capacity likely to continue indefinitely, or where the worker applies in writing and meets return to work tests. Psychological injuries first notified on or after 1 July 2026 sit under separate rules: weekly payments end at 130 weeks unless WPI (whole person impairment) is at least 25%. Older psychological claims keep the earlier rules.Payments continue past 130 weeks only where the insurer assesses no current work capacity likely to continue indefinitely, or where the worker applies in writing and meets return to work tests. The separate rules New South Wales made for psychological injuries apply where the injury was first notified on or after 1 July 2026, and not to claims first notified before that date.Payments continue past 130 weeks only where the insurer assesses no current work capacity likely to continue indefinitely, or where the worker applies in writing and meets return to work tests. Psychological injuries first notified on or after 1 July 2026 sit under separate rules: weekly payments end at 130 weeks unless WPI (whole person impairment) is at least 25%.Payments continue past 130 weeks only where the insurer assesses no current work capacity likely to continue indefinitely, or where the worker applies in writing and meets return to work tests. Psychological injuries first notified on or after 1 July 2026 sit under separate rules: weekly payments end at 130 weeks unless WPI (whole person impairment) is at least 25%. Older psychological claims keep the earlier rules.
Source: 1987 Act s 38, s 39A; Sch 6 Pt 19R · Checked August 2026 - Week 260
The five year point
Weekly payments stop at an aggregate 260 weeks unless permanent impairment from the injury is assessed at more than 20%.
Source: 1987 Act s 39(1) and (2) · Checked August 2026 - After payments
Medical support tail
Medical cover runs 2 years, 5 years, or without time limit after payments end, depending on the assessed impairment band. Some items, including home modification and approved secondary surgery, are never time limited.
Source: 1987 Act s 59A · Checked August 2026
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Workers compensation, Queensland
Workers’ Compensation and Rehabilitation Act 2003 (Qld). Queensland has no fixed week cutoff with a work capacity test. Its shape is step-downs, a 5 year end point, and the Notice of Assessment as the pivotal moment.
The Workers compensation, Queensland line drawn as a rail: 5 marked points from Week 1 to Year 5, spaced to the scheme's own timetable. No point marks a reader's position. Every point is listed, with its rule and source, in the table on this page.
What this page assumes
- That no Notice of Assessment has been issued on your claim. In Queensland the statutory claim ends on that document, not on a clock, so one document changes this page more than any date can.That no Notice of Assessment has been issued on your claim. In Queensland the statutory claim ends on that document, not on a clock, so one document changes this page more than any date can.That no Notice of Assessment has been issued on their claim. In Queensland the statutory claim ends on that document, not on a clock, so one document changes this page more than any date can.That no Notice of Assessment has been issued on their claim. In Queensland the statutory claim ends on that document, not on a clock, so one document changes this page more than any date can.
- That weekly payments are running under the ordinary steps. Where payments have stopped or changed, the letter that did it carries the date that matters.
- That the rules on this page are the ones that apply to your claim. Checked 17 August 2026.That the rules on this page are the ones that apply to your claim. Checked 17 August 2026.That the rules on this page are the ones that apply to their claim. Checked 17 August 2026.That the rules on this page are the ones that apply to their claim. Checked 17 August 2026.
Any one of these can be different for you. WorkCover Queensland, or your self-insurer, can tell you where your claim sits and whether an assessment has started. That is the answer this page cannot know, and it is worth asking for.Any one of these can be different for you. WorkCover Queensland, or your self-insurer, can tell you where your claim sits and whether an assessment has started. That is the answer this page cannot know, and it is worth asking for.Any one of these can be different for them. WorkCover Queensland, or the self-insurer, can tell them where the claim sits and whether an assessment has started. That is the answer this page cannot know, and it is worth asking for.Any one of these can be different for them. WorkCover Queensland, or the self-insurer, can tell them where the claim sits and whether an assessment has started. That is the answer this page cannot know, and it is worth asking for.
Workers compensation, Queensland: the marked points on the published timetable, drawn to the scheme's own clock. Rules checked 17 August 2026. Sources are spelled out in the table below.
Where a refused decision goes next
You told us the claim was rejected, so this page does not draw the payments timetable. That timetable describes a claim the scheme has accepted, and drawing it here would be a picture of money that did not arrive. What every scheme on this tool does publish is the route a refused decision takes, and the period named on the first step of it.
- First
Apply to the Regulator for a review
A decision of this kind can be reviewed only by the Workers' Compensation Regulator. The Act sets 3 months after the person receives written notice of the decision and the reasons for it. Where the notice carried no reasons, reasons can be asked for within 20 business days and the 3 months then runs from the day they arrive.
Source: Workers' Compensation and Rehabilitation Act 2003 (Qld) ss 540(5), 541, 542(1) and 542(4) · Checked 28 August 2026 - If more time is needed
One extension, and only one
The Regulator can allow further time, and the Act allows it to be asked for once only. The Regulator may grant it where it is satisfied that special circumstances exist.
Source: Workers' Compensation and Rehabilitation Act 2003 (Qld) s 542(2) and (3) · Checked 28 August 2026 - After the review
An appeal
A review decision can be appealed within 20 business days after the notice of it is received, and further time can be asked of the respondent. The appeal body is the Queensland Industrial Relations Commission, and for some decisions an industrial magistrate.
Source: Workers' Compensation and Rehabilitation Act 2003 (Qld) ss 548A, 549(1), 550(1)(a) and 550(3) · Checked 28 August 2026
Every period above is the published rule. Nothing on this page counts days for anyone, and no date here is a date for this claim. The decision carries its own date, and the office that made it is where the count is confirmed. The scheme's own timetable is still listed below: it is the timetable that runs on an accepted claim, and it is here as the published rule rather than as a picture of this one.
The marked points on this line
- Week 1
Payments begin
For the first 26 weeks, the greater of 85% of NWE (normal weekly earnings) or the amount payable under the industrial instrument.
Source: WCR Act s 150 · Checked August 2026 - Week 26
First step-down
From 26 weeks to 2 years, the greater of 75% of NWE or 70% of QOTE (Queensland full time adult ordinary time earnings). The QOTE figure is set each July.
Source: WCR Act s 150 · Checked August 2026 - Year 2
Second step-down
From 2 years to 5 years, payments drop to the single pension rate, unless the worker demonstrates the injury could result in a DPI (degree of permanent impairment) of more than 15%, in which case the higher rate continues.
Source: WCR Act s 150 · Checked August 2026 - Timing varies
Notice of Assessment
Once DPI is assessed, the insurer gives a Notice of Assessment within 10 business days, with any lump sum offer attached. A decision period applies, silence counts as deferral, and some responses cannot be changed once given. The decision period and its consequences are set out in the sections cited.
Source: WCR Act ss 185, 187, 189, 239 · Checked August 2026 - Year 5
Where weekly payments end
Weekly payments stop at the first of: the incapacity ends, 5 years of payments, or the maximum statutory amount is reached. If the 5 year or maximum amount point is reached, further compensation for the injury ends.
Source: WCR Act s 144A · Checked August 2026
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Workers compensation, South Australia
Return to Work Act 2014 (SA). South Australia is the one state where the step-down and the end point both fall inside 2 years.
The Workers compensation, South Australia line drawn as a rail: 5 marked points from Week 1 to After payments, spaced to the scheme's own timetable. No point marks a reader's position. Every point is listed, with its rule and source, in the table on this page.
What this page assumes
- That the 104 weeks are counted from when the incapacity for work first occurred. That can be earlier than the last day of work, and it is not the date the claim was made.
- That no seriously injured worker assessment has been made on your claim. That assessment changes the schedule entirely.That no seriously injured worker assessment has been made on your claim. That assessment changes the schedule entirely.That no seriously injured worker assessment has been made on their claim. That assessment changes the schedule entirely.That no seriously injured worker assessment has been made on their claim. That assessment changes the schedule entirely.
- That no exception is running, such as payments connected to approved surgery. Some exceptions add payment periods this page does not draw.
- That the rules on this page are the ones that apply to your claim. Checked 17 August 2026.That the rules on this page are the ones that apply to your claim. Checked 17 August 2026.That the rules on this page are the ones that apply to their claim. Checked 17 August 2026.That the rules on this page are the ones that apply to their claim. Checked 17 August 2026.
Any one of these can be different for you. Your claims agent can tell you what date the scheme is counting from and how many weeks it has counted. That is the number this page cannot know, and it is worth asking for.Any one of these can be different for you. Your claims agent can tell you what date the scheme is counting from and how many weeks it has counted. That is the number this page cannot know, and it is worth asking for.Any one of these can be different for them. The claims agent can tell them what date the scheme is counting from and how many weeks it has counted. That is the number this page cannot know, and it is worth asking for.Any one of these can be different for them. The claims agent can tell them what date the scheme is counting from and how many weeks it has counted. That is the number this page cannot know, and it is worth asking for.
Workers compensation, South Australia: the marked points on the published timetable, drawn to the scheme's own clock. Rules checked 17 August 2026. Sources are spelled out in the table below.
Where a refused decision goes next
You told us the claim was rejected, so this page does not draw the payments timetable. That timetable describes a claim the scheme has accepted, and drawing it here would be a picture of money that did not arrive. What every scheme on this tool does publish is the route a refused decision takes, and the period named on the first step of it.
- First
Apply to the Tribunal
South Australia runs no internal review before the Tribunal. An application goes to the South Australian Employment Tribunal within 1 month after the person receives notice of the decision, unless the Tribunal allows an extension. It may allow one only where it is satisfied that good reason exists and that another party will not be unreasonably disadvantaged by the delay.
Source: Return to Work Act 2014 (SA) ss 97, 98 and 100 · Checked 28 August 2026 - Then
The reconsideration comes after, not before
On receiving a copy of the application, the compensating authority must assign someone to reconsider the decision, and that person must not be the one who made it. The order here is the opposite of most schemes: the application comes first and the reconsideration follows it.
Source: Return to Work Act 2014 (SA) s 102 · Checked 28 August 2026 - At the Tribunal
A fresh hearing
The Tribunal conducts the review as a hearing de novo, which means it hears the matter afresh rather than only checking how the original decision was made.
Source: Return to Work Act 2014 (SA) s 98(2) · Checked 28 August 2026
Every period above is the published rule. Nothing on this page counts days for anyone, and no date here is a date for this claim. The decision carries its own date, and the office that made it is where the count is confirmed. The scheme's own timetable is still listed below: it is the timetable that runs on an accepted claim, and it is here as the published rule rather than as a picture of this one.
The marked points on this line
- Week 1
Payments begin at 100%
For the first 52 weeks, 100% of notional weekly earnings where there is no current work capacity.
Source: RTW Act s 39(1)(a) · Checked August 2026 - Week 53
Step-down to 80%
From week 53 to week 104, 80% of notional weekly earnings.
Source: RTW Act s 39(1)(b) · Checked August 2026 - Week 104
Where weekly payments end
Weekly payments end at 104 weeks from when the incapacity first occurred, for workers other than seriously injured workers.
Source: RTW Act s 39(3) · Checked August 2026 - Gate
Seriously injured worker
Payments continue past 104 weeks where WPI (whole person impairment) is assessed at 35% or more for physical injury, or 30% or more for psychiatric injury. A flat 30% applies to assessments made before 2023.Payments continue past 104 weeks where WPI (whole person impairment) is assessed at 35% or more for physical injury. A flat 30% applies to assessments made before 2023.Payments continue past 104 weeks where WPI (whole person impairment) is assessed at 30% or more for psychiatric injury. A flat 30% applies to assessments made before 2023.Payments continue past 104 weeks where WPI (whole person impairment) is assessed at 35% or more for physical injury, or 30% or more for psychiatric injury. A flat 30% applies to assessments made before 2023.Payments continue past 104 weeks where WPI (whole person impairment) is assessed at 35% or more for physical injury, or 30% or more for psychiatric injury. A flat 30% applies to assessments made before 2023.
Source: RTW Act s 21(2) · Checked August 2026 - After payments
Medical support tail
Medical expense cover ends once there has been no weekly payment entitlement for a continuous 12 months, with exceptions including surgery approved in advance and therapeutic appliances.
Source: RTW Act s 33(20) and (21) · Checked August 2026
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TAC, Victoria
Transport Accident Act 1986 (Vic), administered by the TAC. Citations below are TAC published policy and the sections it relies on.
The TAC, Victoria line drawn as a rail: 5 marked points from Day 1 to Year 3, spaced to the scheme's own timetable. No point marks a reader's position. Every point is listed, with its rule and source, in the table on this page.
What this page assumes
- That the periods on this page run from the date of the accident, because that is the TAC's anchor. They do not run from your last day of work.That the periods on this page run from the date of the accident, because that is the TAC's anchor. They do not run from your last day of work.That the periods on this page run from the date of the accident, because that is the TAC's anchor. They do not run from their last day of work.That the periods on this page run from the date of the accident, because that is the TAC's anchor. They do not run from their last day of work.
- That the benefit you are on is the one the timetable expects at this point. The TAC changes which benefit applies at set points, and a decision on your file can change the sequence.That the benefit you are on is the one the timetable expects at this point. The TAC changes which benefit applies at set points, and a decision on your file can change the sequence.That the benefit they are on is the one the timetable expects at this point. The TAC changes which benefit applies at set points, and a decision on their file can change the sequence.That the benefit they are on is the one the timetable expects at this point. The TAC changes which benefit applies at set points, and a decision on their file can change the sequence.
- That the rules on this page are the ones that apply to your claim. Checked 17 August 2026.That the rules on this page are the ones that apply to your claim. Checked 17 August 2026.That the rules on this page are the ones that apply to their claim. Checked 17 August 2026.That the rules on this page are the ones that apply to their claim. Checked 17 August 2026.
Any one of these can be different for you. The TAC can tell you which benefit you are on and which date it is counting from. That is the answer this page cannot know, and it is worth asking for.Any one of these can be different for you. The TAC can tell you which benefit you are on and which date it is counting from. That is the answer this page cannot know, and it is worth asking for.Any one of these can be different for them. The TAC can tell them which benefit they are on and which date it is counting from. That is the answer this page cannot know, and it is worth asking for.Any one of these can be different for them. The TAC can tell them which benefit they are on and which date it is counting from. That is the answer this page cannot know, and it is worth asking for.
TAC, Victoria: the marked points on the published timetable, drawn to the scheme's own clock. Rules checked 14 August 2026. Sources are spelled out in the table below.
Where a refused decision goes next
You told us the claim was rejected, so this page does not draw the payments timetable. That timetable describes a claim the scheme has accepted, and drawing it here would be a picture of money that did not arrive. What every scheme on this tool does publish is the route a refused decision takes, and the period named on the first step of it.
- First
Apply to the Tribunal
A person whose interests are affected by a TAC decision can apply to the Victorian Civil and Administrative Tribunal (VCAT) for a review of it. The Act sets the later of two dates: 12 months after the person becomes aware of the decision, or 3 months after the TAC notifies its decision on a pre-issue review under the Protocols. Asking for the pre-issue review first can move that date out rather than in.
Source: Transport Accident Act 1986 (Vic) s 77(1), (1A) and (5) · Checked 28 August 2026 - Then
The TAC reconsiders
Within 28 days of receiving a copy of the application the TAC must reconsider the decision, or ask for further and better particulars. After reconsidering it may vary or revoke the decision, and it must tell the applicant and the Tribunal what it has decided.
Source: Transport Accident Act 1986 (Vic) ss 78 and 80 · Checked 28 August 2026 - After that
The Tribunal hears it
The Tribunal does not start its own proceedings until the TAC has re-affirmed the decision, or is treated by the Act as having re-affirmed it.
Source: Transport Accident Act 1986 (Vic) s 77(4) · Checked 28 August 2026
Every period above is the published rule. Nothing on this page counts days for anyone, and no date here is a date for this claim. The decision carries its own date, and the office that made it is where the count is confirmed. The scheme's own timetable is still listed below: it is the timetable that runs on an accepted claim, and it is here as the published rule rather than as a picture of this one.
The marked points on this line
- Day 1
The five day wait
LOE (loss of earnings) benefits are not paid for the first five days of financial loss. The wait can be waived for acute financial hardship.
Source: Transport Accident Act s 43; TAC LOE policy · Checked August 2026 - Month 1
LOE benefits
LOE runs for up to 18 months from the accident, at 80% of pre-accident weekly earnings where there is no return to work, within set minimums and maximums.
Source: TAC LOE policy · Checked August 2026 - Month 18
LOE ends, loss of earning capacity can start
LOEC (loss of earning capacity) benefits can start where earning capacity is still reduced 18 months after the accident.
Source: Transport Accident Act s 53; TAC LOEC policy · Checked August 2026 - Timing varies
Impairment lump sum
A one off impairment benefit can be paid where impairment is assessed at 11% or more, once injuries are stable. It does not reduce other TAC benefits, and assessment can take time, in some cases up to 18 months.
Source: Transport Accident Act s 47; TAC impairment policy · Checked August 2026 - Year 3
The 3 year point
LOEC ends 3 years from the accident for a client assessed at less than 50% impairment. At 50% or more, LOEC can continue, with a review possible once in each 5 year period. The 5 year mark is a review cycle, not an end date.
Source: TAC LOEC policy · Checked August 2026
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Comcare (national)
Safety, Rehabilitation and Compensation Act 1988 (Cth), called the SRC Act below. Comcare is national, so no state is needed.
The Comcare (national) line drawn as a rail: 5 marked points from Week 1 to Pension age, spaced to the scheme's own timetable. No point marks a reader's position. Every point is listed, with its rule and source, in the table on this page.
What this page assumes
- That the 45 weeks are counted in hours of incapacity, because that is how Comcare counts them. A week is used up by hours, so time on partial capacity uses it more slowly than the calendar suggests.
- That payments have been running continuously, without periods that pause or change the count.
- That the rules on this page are the ones that apply to your claim. Checked 17 August 2026.That the rules on this page are the ones that apply to your claim. Checked 17 August 2026.That the rules on this page are the ones that apply to their claim. Checked 17 August 2026.That the rules on this page are the ones that apply to their claim. Checked 17 August 2026.
Any one of these can be different for you. Comcare, or your claims manager, can tell you how many hours have been counted on your claim. That is the number this page cannot know, and it is worth asking for.Any one of these can be different for you. Comcare, or your claims manager, can tell you how many hours have been counted on your claim. That is the number this page cannot know, and it is worth asking for.Any one of these can be different for them. Comcare, or the claims manager, can tell them how many hours have been counted on the claim. That is the number this page cannot know, and it is worth asking for.Any one of these can be different for them. Comcare, or the claims manager, can tell them how many hours have been counted on the claim. That is the number this page cannot know, and it is worth asking for.
Comcare (national): the marked points on the published timetable, drawn to the scheme's own clock. Rules checked 14 August 2026. Sources are spelled out in the table below.
Where a refused decision goes next
You told us the claim was rejected, so this page does not draw the payments timetable. That timetable describes a claim the scheme has accepted, and drawing it here would be a picture of money that did not arrive. What every scheme on this tool does publish is the route a refused decision takes, and the period named on the first step of it.
- First
Ask for a reconsideration
The determination arrives in writing, with its reasons and a statement that a reconsideration can be requested. The request goes to the determining authority, and the Act sets 30 days from the day the determination first came to the person's notice, or such further period as the authority allows. It can allow that further period before or after the 30 days has run, so missing the 30 days does not end the right to ask.
Source: Safety, Rehabilitation and Compensation Act 1988 (Cth) ss 61(1), 62(2) and 62(3)(b) · Checked 28 August 2026 - Then
Somebody else looks at it
The reconsideration is done by a person other than the one who made the determination or was involved in making it. That person can affirm the determination, revoke it, or vary it.
Source: Safety, Rehabilitation and Compensation Act 1988 (Cth) s 62(4) and (5) · Checked 28 August 2026 - After that
The Administrative Review Tribunal
The decision on a reconsideration is a reviewable decision. It arrives in writing, with its reasons and a statement that an application can be made to the Administrative Review Tribunal. The Act sets 60 days after that notice is served, and the Tribunal can extend it.
Source: Safety, Rehabilitation and Compensation Act 1988 (Cth) ss 63 and 65(4) · Checked 28 August 2026
Every period above is the published rule. Nothing on this page counts days for anyone, and no date here is a date for this claim. The decision carries its own date, and the office that made it is where the count is confirmed. The scheme's own timetable is still listed below: it is the timetable that runs on an accepted claim, and it is here as the published rule rather than as a picture of this one.
The marked points on this line
- Week 1
Payments begin at 100%
Incapacity payments run at 100% of NWE (normal weekly earnings) less actual earnings for the first 45 weeks. The 45 weeks count in hours, cumulatively, not calendar weeks.
Source: SRC Act s 19(2) and (2A) · Checked August 2026 - Week 45
The step-down table
After 45 weeks the rate becomes a percentage of NWE set by hours worked that week: 75% where not working, stepping up to 100% at full hours. The step turns on hours worked, not on medical opinion about capacity.
Source: SRC Act s 19(3) · Checked August 2026 - Ongoing
No week cutoff
There is no fixed week where payments end while incapacity continues. Payments rest on a current medical certificate of capacity and earnings reporting, and are not automatic each fortnight.
Source: Comcare, income support · Checked August 2026 - Timing varies
Permanent impairment
A permanent impairment payment needs an assessed impairment of 10% or more under the approved Guide, 5% for hearing loss. Invalidity retirement is a separate decision made by the superannuation fund, not by Comcare.
Source: SRC Act s 24(7) and (7A); Comcare, long term injury · Checked August 2026 - Pension age
Where payments end
Incapacity payments end at Age Pension age. A person injured within 2 years of pension age, or after it, can receive up to 104 weeks of payments.
Source: SRC Act s 23(1) and (1A) · Checked August 2026
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DSP (national)
Social Security Act 1991 (Cth) and the DSS Social Security Guide. DSP is national, so no state is needed.
What this page assumes
- That nothing here runs on a clock, because the DSP has no timetable. There is no week count and no end date to assume, and this page does not invent one.
- That your circumstances, as Services Australia last recorded them, are current. Some changes must be reported, and the reporting rules are Services Australia's own.That your circumstances, as Services Australia last recorded them, are current. Some changes must be reported, and the reporting rules are Services Australia's own.That their circumstances, as Services Australia last recorded them, are current. Some changes must be reported, and the reporting rules are Services Australia's own.That their circumstances, as Services Australia last recorded them, are current. Some changes must be reported, and the reporting rules are Services Australia's own.
- That the rules on this page are the ones in force. Checked 17 August 2026.
Reviews start when Services Australia starts them. If a review letter arrives, the letter itself carries the dates that matter, and Services Australia can tell you what stage a review is at.Reviews start when Services Australia starts them. If a review letter arrives, the letter itself carries the dates that matter, and Services Australia can tell you what stage a review is at.Reviews start when Services Australia starts them. If a review letter arrives, the letter itself carries the dates that matter, and Services Australia can tell them what stage a review is at.Reviews start when Services Australia starts them. If a review letter arrives, the letter itself carries the dates that matter, and Services Australia can tell them what stage a review is at.
Where a refused decision goes next
You told us the claim was rejected, so this page does not draw the payments timetable. That timetable describes a claim the scheme has accepted, and drawing it here would be a picture of money that did not arrive. What every scheme on this tool does publish is the route a refused decision takes, and the period named on the first step of it.
- First
Ask for a formal review
A formal review is done by an authorised review officer, who is not the person who made the decision. Services Australia asks for it within 13 weeks from the day it tells a person about the decision. A later application is still accepted. Where a decision is changed after that, the entitlement may only be paid from the day the review was applied for. Debt decisions can be reviewed at any time for almost all payments.
Source: Services Australia, Explanations and formal reviews of a Centrelink decision · Checked 28 August 2026 - How long it takes
The stated timeframe, and what is said about it
Services Australia states that it aims to finish a formal review within 49 days, and currently says that timeframe may not be met because of the number of applications waiting.
Source: Services Australia, Explanations and formal reviews of a Centrelink decision · Checked 28 August 2026 - After that
The Administrative Review Tribunal, twice
An application can be made to the Administrative Review Tribunal for a first review, within 13 weeks of receiving the review officer's decision, and later applications are still accepted on the same backdating rule. A second review is applied for within 28 days of the first review decision. Beyond the Tribunal, appeals go to the courts on a question of law only.
Source: Services Australia, Explanations and formal reviews of a Centrelink decision · Checked 28 August 2026
Every period above is the published rule. Nothing on this page counts days for anyone, and no date here is a date for this claim. The decision carries its own date, and the office that made it is where the count is confirmed. The scheme's own timetable is still listed below: it is the timetable that runs on an accepted claim, and it is here as the published rule rather than as a picture of this one.
The marked points on this line
- The test
Points plus inability to work
DSP needs an impairment rating of at least 20 points under the Impairment Tables and a CITW (continuing inability to work), plus age and residence rules. The two limbs carry equal weight.
Source: Social Security Act s 94(1); SS Guide 3.6.1.12 · Checked August 2026 - Before claim
Program of support
Where the 20 points come from more than one table, the claim usually needs 18 months of active participation in a program of support within the 3 years before claiming.
Source: Social Security Act s 94(3B); SS Guide 1.1.A.30 · Checked August 2026 - The design
Points, not percentages
The Impairment Tables are authorised for DSP qualification and no other use. They are not a whole person impairment percentage, and they are not an insurance test.
Source: SS Guide 3.6.3.01 · Checked August 2026 - After grant
Work of 15 to 30 hours
Once on DSP, paid work of at least 15 and less than 30 hours a week does not automatically end the pension.
Source: Social Security Act s 96; SS Guide 3.6.1.12 · Checked August 2026 - Always
The 14 day rule
Changes must be reported within 14 days, including getting a lump sum. Services Australia also says it is never too late to report a change.
Source: Services Australia, change of circumstances · Checked August 2026
Lines that can run beside yoursLines that can run beside yoursLines that can run beside theirsLines that can run beside theirs
What this page can show you, and what it cannot
Two answers reach this page. One is that the claim sits in Western Australia, Tasmania, the Northern Territory or the Australian Capital Territory, and those rulebooks have not been checked against their own legislation yet. The other is that nothing on the letterhead list matched, so the scheme has not been named. Either way, a timetable drawn from the wrong rulebook is worse than no timetable, so no timetable is drawn here.
Nothing below is a view about the claim, and nothing below states a rule from a scheme this tool has not read. What it does is name the parts that do not change from place to place, and the offices that hold the answers this page cannot.
The parts that are the same wherever the claim sits
- Super is national. Insurance held inside super is assessed under the policy that was in force on the date work stopped, whichever state that was in. A fund answers for its own accounts, and it answers wherever you live.
- myGov lists every fund that has ever reported an account, including funds since closed or rolled over. Free.
- The Australian Taxation Office (ATO) runs the same search by phone on 13 10 20. Free.
- Centrelink payments, including the Disability Support Pension (DSP), are set by Commonwealth law and work the same in every state and territory. Services Australia decides them.
- Whether a payment changes a Centrelink payment is decided by Services Australia under those same Commonwealth rules, not by a state scheme. That is a question worth putting to Services Australia before anything is signed.
- Complaints about an insurer, including an insurer inside a super fund, go to the Australian Financial Complaints Authority (AFCA). Free, and national.
Free routes, and the office that holds the file
Every route here is free, and none of it needs us.
- The claims line printed on the letters reaches the office that holds the file. "Which scheme is this claim under, and which rules apply to it" is a question they can answer in one call.
- Legal Aid runs in every state and territory and it is free: Legal Aid Western Australia, Legal Aid Tasmania, the Northern Territory Legal Aid Commission, and Legal Aid ACT.
- Community legal centres take questions Legal Aid cannot take, and they are free too.
- A union, or a professional body, where there is one.
- The National Debt Helpline on 1800 007 007 reaches a free financial counsellor.
- TIS National on 131 450 will interpret the call, free. The National Relay Service will connect it for people who are deaf or have trouble hearing or speaking.
The workers compensation office in each of these places
These are named so the right door is on the page. Their rules have not been checked here, so nothing on this page says what those rules are.
- Western Australia: WorkCover WA. The workers compensation authority for Western Australia.
- Tasmania: WorkSafe Tasmania. The workers compensation regulator for Tasmania.
- Northern Territory: NT WorkSafe. The workers compensation regulator for the Northern Territory.
- Australian Capital Territory: WorkSafe ACT. The workers compensation regulator for the Australian Capital Territory.
If the work was for the Australian Government, or for a national employer licensed under the Commonwealth scheme, the claim may sit with Comcare rather than with a state office. Comcare is national, and this tool does draw its timetable. Change the scheme answer above if that is the one.
The block below applies to everyone, wherever a claim sits. If the scheme or the state gets named later, change that answer at the top of this page and the timetable will be drawn then.
What this page can show you, and what it cannot
Two answers reach this page. One is that the claim sits in Western Australia, Tasmania, the Northern Territory or the Australian Capital Territory, and those rulebooks have not been checked against their own legislation yet. The other is that nothing on the letterhead list matched, so the scheme has not been named. Either way, a timetable drawn from the wrong rulebook is worse than no timetable, so no timetable is drawn here.
Nothing below is a view about the claim, and nothing below states a rule from a scheme this tool has not read. What it does is name the parts that do not change from place to place, and the offices that hold the answers this page cannot.
The parts that are the same wherever the claim sits
- Super is national. Insurance held inside super is assessed under the policy that was in force on the date work stopped, whichever state that was in. A fund answers for its own accounts, and it answers wherever you live.
- myGov lists every fund that has ever reported an account, including funds since closed or rolled over. Free.
- The Australian Taxation Office (ATO) runs the same search by phone on 13 10 20. Free.
- Centrelink payments, including the Disability Support Pension (DSP), are set by Commonwealth law and work the same in every state and territory. Services Australia decides them.
- Whether a payment changes a Centrelink payment is decided by Services Australia under those same Commonwealth rules, not by a state scheme. That is a question worth putting to Services Australia before anything is signed.
- Complaints about an insurer, including an insurer inside a super fund, go to the Australian Financial Complaints Authority (AFCA). Free, and national.
Free routes, and the office that holds the file
Every route here is free, and none of it needs us.
- The claims line printed on the letters reaches the office that holds the file. "Which scheme is this claim under, and which rules apply to it" is a question they can answer in one call.
- Legal Aid runs in every state and territory and it is free: Legal Aid Western Australia, Legal Aid Tasmania, the Northern Territory Legal Aid Commission, and Legal Aid ACT.
- Community legal centres take questions Legal Aid cannot take, and they are free too.
- A union, or a professional body, where there is one.
- The National Debt Helpline on 1800 007 007 reaches a free financial counsellor.
- TIS National on 131 450 will interpret the call, free. The National Relay Service will connect it for people who are deaf or have trouble hearing or speaking.
The workers compensation office in each of these places
These are named so the right door is on the page. Their rules have not been checked here, so nothing on this page says what those rules are.
- Western Australia: WorkCover WA. The workers compensation authority for Western Australia.
- Tasmania: WorkSafe Tasmania. The workers compensation regulator for Tasmania.
- Northern Territory: NT WorkSafe. The workers compensation regulator for the Northern Territory.
- Australian Capital Territory: WorkSafe ACT. The workers compensation regulator for the Australian Capital Territory.
If the work was for the Australian Government, or for a national employer licensed under the Commonwealth scheme, the claim may sit with Comcare rather than with a state office. Comcare is national, and this tool does draw its timetable. Change the scheme answer above if that is the one.
The block below applies to everyone, wherever a claim sits. If the scheme or the state gets named later, change that answer at the top of this page and the timetable will be drawn then.
Step 4 of 4
Keep this.
This page is dated, it prints cleanly, and it is built to be handed to someone.
This page is a dated record: the answers given, the questions worth asking, and the rules as they stood on the date at the top. It is built to be printed, bookmarked, and handed to a partner, a doctor or a lawyer.
One question for whoever is handling the claim
What date is the count running from, and how many weeks have been counted? Ask for the answer in writing. That is the number this page cannot know, and it is the one that moves every date on the timetable.What date is the count running from, and how many weeks have been counted? Ask for the answer in writing. That is the number this page cannot know, and it is the one that moves every date on the timetable.What date is the count running from, and how many weeks have been counted? Ask for the answer in writing. That is the number this page cannot know, and it is the one that moves every date on the timetable. The scheme will not discuss the file without the worker's signed authority, so ask what authority it accepts in the same call.What date is the count running from, and how many weeks have been counted? Ask for the answer in writing. That is the number this page cannot know, and it is the one that moves every date on the timetable. The scheme will not discuss the file without the worker's signed authority, so ask what authority it accepts in the same call.
Printing keeps every source. The web address behind each citation is spelled out on paper, and the page's own address prints too, so the page can be found again from a printout.
No account is needed. The page is complete as it is. Nothing below this line is a condition of keeping it.
Every question on this page can be asked without us: the fund's member line, the claims line on any letter, the Australian Taxation Office on 13 10 20, and Legal Aid or a community legal centre. All free.
Keep a copy of this guide
Use Print my guide and plan in Your plan to keep your questions and recorded replies. Account saving is not available in this beta yet.
Take the link
The address of this page carries your interview answers. It does not include added steps or fund replies. Anyone who has this link can read its answers, so keep it private. Print your guide and plan before closing this page.
Save to an account
An account would hold your answers so you do not have to work them out again. It would ask for an email address and a password. That is the whole of what saving needs. Your answers would leave your device at the moment you press save, and not before.
Account saving is not available in this beta yet. Print your guide and plan to keep the steps and fund replies recorded on this page.
When the fund answers, one of four things will have happened.
Each one has its own page, and each one has next questions attached. Pick the one the fund said.
When the fund answers, one of four things will have happened.
There was cover on the date work stopped.
That answer is worth having in writing, so ask the fund to confirm it by email or letter. The next holder of answers is the insurer behind the fund: a policy sets out its own definitions, waiting periods and exclusions in its policy document, and the fund or the insurer can send that document on request. Nothing on this page says what any policy covers. The document does, and a specialist can read it.
- What type of cover was it: total and permanent disability, income protection, or both?
- Which insurer held the policy on that date, and can the policy document that applied then be sent out?
- What is the process for making a claim on that cover, and what does the fund need first?
- Does the fund or the insurer apply a time limit to claims on that cover?
- The fund's written confirmation of the cover
- The policy document, or the insurance guide the fund sends in its place
- The annual statements from around the date work stopped
- Anything that fixes the last day worked: a payslip, a separation certificate, or a letter from the employer
- Call the super fund and ask what is attached to the accountFree.
- Ask the insurer for the policy document that applied when work stoppedFree.
When the fund answers, one of four things will have happened.
There was cover, but it had been cancelled.
A cancellation has a date, and the date is the thing to pin down, because cover is usually assessed under the policy that was in force on the date work stopped. A cancellation after that date is a different fact from a cancellation before it, and which one happened is a question the fund can answer from its own records. There are also published rules about when a trustee must stop cover: one of them requires it where no contributions or rollovers have arrived on the account for 16 continuous months, unless the member elected in writing to keep it. So "cancelled" is the start of the questions, not the end of them.
A cancellation does not decide what was on the account earlier, and it does not decide what the policy in force at an earlier date said. Those are questions for the fund and the insurer, not facts a cancellation settles.
- On what date was the cover cancelled, and under which rule?
- What cover was on the account on the date work stopped?
- Was a letter sent before the cover was stopped, and to which address?
- Can the cancellation record, and the policy document that applied before it, be sent out in writing?
- Call the super fund and ask what is attached to the accountFree.
- Ask the insurer for the policy document that applied when work stoppedFree.
Source: Superannuation Industry (Supervision) Act 1993 (Cth), s 68AAA · Checked 14 August 2026
When the fund answers, one of four things will have happened.
There was never cover in that fund.
One fund answering is not the end of the check, because each fund answers only for its own accounts. Accounts closed, merged or rolled over years ago can still matter, and the Australian Taxation Office can name funds that time has lost track of, through myGov or on 13 10 20, free. And separately from insurance altogether, super has its own gate.
Permanent incapacity is a condition of release. The trustee of the fund decides it, separately from any insurer, and no impairment percentage appears in the regulation. A trustee may release benefits where it is reasonably satisfied that ill health, physical or mental, makes it unlikely the member will engage in gainful employment for which the member is reasonably qualified by education, training or experience. Taking money out of super is a separate decision with consequences of its own: there can be tax to pay on a payment received under 60, taking money out can end any insurance cover still attached to the account, and it can change payments that are worked out on income and assets. Free routes come first here. The fund itself answers questions about its own conditions of release, free, and a financial counsellor through the National Debt Helpline on 1800 007 007 is free and sells nothing. Whether this condition of release is available on an account is a question only the trustee of that fund can answer.
- Was there ever an account in this name with any other fund, including one now closed or rolled over?
- Where did the balance of any closed account go?
- Does the fund's own record show insurance at any earlier time, even briefly?
- Check myGov for every fund that has ever reported an accountFree.
- Call the ATO on 13 10 20 and ask for the same super search by phoneFree.
- Call the super fund and ask what is attached to the accountFree.
- Call the National Debt Helpline on 1800 007 007 for a free financial counsellorFree. Financial counsellors are not paid by anybody for a referral and sell nothing.
Source: Superannuation Industry (Supervision) Regulations 1994 (Cth), reg 1.03C · Checked 14 August 2026
Source: Superannuation Industry (Supervision) Regulations 1994 (Cth), Schedule 1, item 103 · Checked 14 August 2026
When the fund answers, one of four things will have happened.
The fund would not say, or the call did not get through.
A fund is required to tell a member what is on the member's own account, so an unanswered question has a ladder, and every rung of it is free.
- Ask again, in writing. A short email to the fund's member services asking the same three questions makes a record that the question was asked, and a written answer is worth more than a phone one anyway.
- Use the fund's own complaints process. Every fund publishes one, and "what is your internal complaints process, and what is the time limit on using it" is a question the member line can answer.
- Go to the Australian Financial Complaints Authority. Free, and national, and it covers super funds and the insurers inside them. It usually needs the fund's own process to have been used first, and it can say itself whether it is the right door.
- Can the answer be given in writing, and to what address should the request go?
- What is the fund's internal complaints process, and what is the time limit on using it?
- If the fund cannot say, who can: the administrator, or the insurer?
A fund will not discuss an account with someone who is not the member without authority, so for a caller helping somebody else the first question is which form of authority the fund accepts. That is the same rule stage2.questionsToAsk.primaryScript.proxyNote states, restated here because this panel is where the failed call lands.
- Call the super fund and ask what is attached to the accountFree.
- Take a complaint about an insurer to the Australian Financial Complaints AuthorityFree to the complainant.
What a fund will answer you today, without any authority
- Whether the fund's default cover generally included total and permanent disability or income protection cover in a given year
- Which insurer provided the fund's cover in a given period
- What a claim under the fund's cover generally involves, and which forms it uses
- How to get the fund's third-party authority form, and what the fund needs with it
What needs a signed third-party authority first
- Whether the person held an account with the fund
- Whether cover was in place on the date they stopped work
- Anything about their balance, their premiums, or the state of a claim
Each fund has its own form, under its own name. The fund pages on this site point to each fund's process, and every fund's phone line will send its form out on request.
The authority needs the person's signature. If they can manage one thing this week, the form is it. Everything else on this page can be done without them.
An introduction to a firm needs the person's own okay. It does not happen without it.
Questions to raise with them
Funds and schemes answer general questions from you today. Anything about a person's own account needs their signed third-party authority, and each fund and scheme has its own form.
An introduction to a firm needs the person's own okay, given by them, not on their behalf.
Other supports, worth checking whoever you are
Many people have insurance inside their super and are never told. Call your super fund and ask whether you had total and permanent disability (TPD) or income protection cover on the date you stopped work, including any fund you have since closed or rolled over. It costs nothing to ask, and you can do it without us. Your fund, myGov, or the ATO on 13 10 20.
- Your super fund's own claims line answers cover questions free.
- myGov lists every fund that has ever reported an account for you, free.
- The ATO on 13 10 20 runs the same search by phone, free.
Super comes up in almost every result this tool produces. That is because insurance inside super is the thing people most often turn out to hold and least often know about. It is also how ClaimGuide gets paid: if you ask for an introduction and a panel firm takes the matter on, that firm pays ClaimGuide a fixed fee. You never pay anything, and everything in this block can be done without us.
If you would rather have someone go through it with you, we can introduce you to a firm on our panel that handles TPD and income protection claims. Those firms are no-win-no-fee. You pay us nothing, and the firm pays us a fixed fee whichever firm it is.
If you would rather have someone go through it with you, we can introduce you to a firm on our panel that handles early release of super matters. Those firms are no win no fee. You pay us nothing, and the firm pays us a fixed fee whichever firm it is.
If you would rather have someone go through it with you, we can introduce you to a firm on our panel that handles income protection claims. Those firms are no win no fee. You pay us nothing, and the firm pays us a fixed fee whichever firm it is.
If you would rather have someone go through it with you, we can introduce you to a firm on our panel that handles TPD claims. Those firms are no win no fee. You pay us nothing, and the firm pays us a fixed fee whichever firm it is.
If you would rather have someone go through it with you, we can introduce you to a firm on our panel that handles TPD, income protection and early release of super matters. Those firms are no win no fee. You pay us nothing, and the firm pays us a fixed fee whichever firm it is.
Your answers stay on this page. Starting the introduction does not send them, so we will ask about your situation when we speak, and you can say as much or as little as you like.
About this page
This is general information about how works, published from the sources listed above and checked on 17 August 2026. It is not a decision about your claim, and it is not advice about your insurance, your super or your entitlements.
We have not seen your policy, your file or your correspondence, and nothing here takes your individual circumstances into account. Where this page says something is worth asking, that is a question for the people who hold the answer, not a view about what the answer will be.
Doing this without us
You can ask all of these questions yourself, free: your super fund, the ATO on 13 10 20, your scheme's own advisory line, your union, and Legal Aid or a community legal centre. Nothing on this page needs us.
We try twice, then we stop. There is no third call and no marketing list.
Scheme pages and sources
Straight to a line
Each line below has its own page, with the full station map drawn, every station written out, and the source for each one. They work without JavaScript, and you can send someone the link.
- Workers compensation, Victoria
- Workers compensation, New South Wales
- Workers compensation, Queensland
- Workers compensation, South Australia
- TAC, Victoria
- Comcare, national
- DSP, national
Picking a line here is remembered on this device only, so the matching card on claim pathways sits at the front next time. It is a note to yourself, not a decision about your claim, and you can clear it there in one click.
Motor accident schemes outside Victoria are not listed. We have not finished checking them against primary sources, and we would rather show nothing than guess.
One line does not decide another
The test that ends one scheme is not the test a total and permanent disability policy or an income protection policy uses. A termination under one scheme does not decide the other. An insurance policy is assessed under its own definition, set out in the policy document, not under a scheme’s whole person impairment percentage. If you want a specialist to look at the lines beside yours, we can introduce you to a firm on our panel.
Sources you can check
Every station on this page carries its own citation. These are the instruments and regulator pages behind them, all checked August 2026.
- Workplace Injury Rehabilitation and Compensation Act 2013 (Vic)
- WorkSafe Victoria Online Claims Manual 3.3.4 (130 week review)
- WorkSafe Victoria Online Claims Manual 3.9.9 (period of notice)
- Workers Compensation Act 1987 (NSW)
- SIRA (NSW), weekly payments
- Workers’ Compensation and Rehabilitation Act 2003 (Qld)
- Return to Work Act 2014 (SA)
- ReturnToWorkSA, support and benefits
- TAC policy, how long loss of earnings benefits are payable
- TAC policy, loss of earning capacity benefits
- TAC, impairment benefits overview
- Safety, Rehabilitation and Compensation Act 1988 (Cth)
- Comcare, income support
- Comcare, long term injury or impairment
- DSS Social Security Guide 3.6.1.12, qualification for DSP
- DSS Social Security Guide 3.6.3.01, the Impairment Tables
- DSS Social Security Guide 1.1.A.30, program of support
- Services Australia, change of circumstances on DSP