If you’ve been involved in a work accident your initial focus will probably be a medical one: to get the best treatment to help you recover. You’ll need access to appropriate insurance schemes to help fund those costs. If you need to take time away form work then you’re faced with a double burden: you lose your income and you are faced with additional medical costs. Worse still is if the consequences become long-lasting. It’s important to get the right advice at an early stage to ensure you access the most appropriate insurance for you at the right time. At Murphy’s Law: Accident Lawyers we can help you gain early access to the benefits you are entitled to and also take steps to protect you in the event your condition is not short-lived. We have the experience and know-how to employ the best tactics to ensure your losses are fully recovered wherever possible. We explore all options and help guide you through the process to keep it simple for you. Call now to find out how we can help you secure the best outcome possible in the most effective way.
* Insurance options – can include polices through your workplace or personally through your superannuation, TPD Insurance, income protection insurance, trauma insurance, private health insurance or otherwise.
Common work accident compensation questions
What is workers compensation?
Employment laws in Australia require employers to cover all employees with workers compensation insurance. This insurance is designed to help make payments for lost wages and medical expenses in the event that an employee is injured or becomes unwell due to their work.
What is WorkCover?
In the state of Queensland then WorkCover Queensland is the default workers compensation insurer. While the majority of workers in Queensland are covered by WorkCover, some larger organisations such as supermarket chains cover their employers with their own insurance policies.
How does workers compensation work?
WorkCover is a no-fault compensation scheme which means you are entitled to claim for a work related injury regardless of fault. For example, this would mean you could open a WorkCover claim for an injury that was your own fault or in a situation that was out of the employers control such as injury on the way to or from work.
WorkCover helps cover the majority of your salary and medical expenses such as:
- Specialist medical appointments
- Surgery (if required)
- Occupational therapy
If you have experienced a work injury that occurred to the negligence of others then you may be eligible for a common law claim which can be run by a work accident lawyer. These claims are made against the insurance policy of your employer (such as WorkCover) and result in a tax-free lump sum payout on successful settlement.
The team at Murphy’s are experts in workers compensation claims. Our Brisbane based team helps clients across Queensland and all claims are run on a no win, no fee basis.
How much compensation for an injury at work?
This is a very common question. In short, there is no set answer as it will depend on a range of factors such as past and future loss of earnings, your age, your ability to work, the amount of medical costs and so on.
Example; two workers who both broke an arm at work.
- Worker 1 = Office worker, aged 50
- Workers 2 = Skilled construction worker, age 28.
Both workers have the same injury. However, for workers 1 then the impact may be a few weeks off work before being able to continue working at full capacity and pay. Workers 2 on the other hand may lose the ability to continue their trade as it required heavy lifting. They may have a much larger claim as they will suffer a very long term loss of earnings.
Our team of Brisbane work injury lawyers can provide free initial advice and will be able to provide a clearer indication of your claim once they understand your individual circumstances. Call us now or request a call-back to see if we can assist.
Do I need a lawyer for a work injury?
For small injuries requiring a few days off work then you may not need a lawyer, just a simple claim through WorkCover.
For injuries likely to cause longer term impacts then a work accident lawyer can help secure suitable compensation. As it’s not always possible to tell if a work injury will have long term impacts it’s a good idea to seek legal advice as soon as possible to protect your rights.
What time limits apply for work accident claims?
There is a three year time limit to commence a common law workers compensation claim. In reality a claim needs to commence before this and you will have the best chance of success by starting the process as soon as possible. Gaining evidence such as CCTV or reliable witness reports are just one reason to get advice early on.