It’s good to know that you are protected if an accident occurs at your place of employment. WorkCover claims in Queensland accord you this security, even when your employer is not to blame for the injury. You are entitled to compensation for loss of wages, medical bills or lump sum compensation if the condition incapacitates you.
Lost wages
If you are unable to work due to a work related injury or illness, you are entitled to weekly compensation. Typically, the incapacitated person is given 85% of their regular weekly earnings for 26 weeks that they are unable to work. After that, the payment reduces to 75% of their usually weekly earnings. Payment will only stop when you are well enough to work, you are paid in lump Sum, you have received weekly compensation for five years, or if you reach the maximum payable amount. Consequently, you will be able to keep your life on track even when injury prevents you from working for a while.
Medical bills
If you’re injured at work or fall ill because of conditions that you are exposed to at work, Work cover claims in Queensland will cater for costs of medical appointments, medicines, rehabilitation equipment and equipment that aid in mobility such as wheel chairs and crutches. Notably, Workcover will pay for up to four days in hospital. This time could be extended if you reach an agreement with Workcover. To get cover as soon as you need it, take the following steps:
• Report the injury to your employer as soon as possible.
• Seek medical attention immediately and ask for a worker’s compensation certificate.
• Fill in two important forms: Application for Compensation Form and Employment Declaration Form, if you need compensation for loss of wages.
• Provide WorkCover with the original forms and your employer with copies.
Lump Sum Payments
If you have been permanently incapacitated due to a work related injury, lump sum compensation may be offered. These are injuries that don’t get better with long term treatment. To determine an acceptable offer, the cover will have a medical professional assess your injury. This money will then help you pick up the pieces because you will focus on improving your life without worrying about money.
Conclusion
Going to work every day gives structure and meaning to our lives. Having a cover will improve your experience at work because you will not fear being rendered unemployed by work related injury or illness. If an unfortunate incident like that happens, WorkCover will be with you every step of the way. We’ve got you covered.
