GIO Workers Compensation ACT
GIO has been helping employers understand their Workers Compensation Insurance since 1927.
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Overview
Workers Compensation Insurance for employers in the Australian Capital Territory (ACT)
Workers Compensation is compulsory for most employers in Australia.
In ACT, employers must have insurance for anyone defined as a worker.
If an employee suffers a work-related injury or illness, this insurance may cover their related medical bills, as well as wages, if they’re unable to return to work.
What's covered
- Your worker’s wages if they suffer a work-related injury or illness and are unable to work.
- Medical expenses, treatment and rehabilitation costs.
Who's covered
All your workers. Generally includes anyone receiving a wage or commission payment, including casuals and temporary employees, apprentices, trainees and some contractors.
What is Workers Compensation insurance?
Workers Compensation Insurance covers most medical bills of your workers if they suffer a work-related injury and wages, if they are unable to work following the injury. It’s compulsory for most employers in Australia. From slips, trip and falls to muscle strains and injuries, Workers Compensation provides support for workers with a work-related injury.
People also ask
ACT FAQ section
How are Workers Compensation premiums calculated?
We’ll use the wage information given in your ACT Declaration of Estimated Wages to calculate your premium.
Additional factors taken into consideration when calculating GIO Workers Compensation Insurance premiums include:
- industry type
- cost of previous workers compensation claims associated with the business
- claims history
- applicable government charges.
At the term expiry, your premium will be adjusted based on the information provided in your ACT Actual Wages Declaration Form . If your actual wages are lower than your estimated wages for the policy period, you may be entitled to a refund for that portion of the premium. If your actual wages are higher than your estimated wages, you’ll need to pay the extra premium.
What is a common law claim?
A common law claim is a claim for damages in which it’s necessary for the worker to prove 'fault' in the form of negligence or breach of statutory duty on the part of the employer. A Workers Compensation policy will often also cover liability for any work related 'common law' claims by employees. The extent to which a worker may bring a common law claim varies from state to state or territory.
What is the difference between a ‘recurrence’ and an ‘aggravation’ of an injury?
A "recurrence" is when the symptoms of a previous injury recur spontaneously, without any external cause. This would result in the "old" claim being reopened. An "aggravation" is when symptoms of a pre-existing injury are increased by a new and definable event.
Your policy
How can we help?
Make a Workers Compensation claim
As an employer, it’s your responsibility to help an injured worker seek first aid or medical treatment immediately for any work-related injury or illness. You’ll then need to fill out some forms to lodge a claim.
Looking for another state
In Victoria, South Australia and Queensland, the state regulator provides Workers Compensation Insurance to employers via WorkSafe Victoria, ReturnToWork SA and WorkCover Queensland.
