Question 1

Is Business Insurance covered under my GIO Workers Compensation policy?

Accepted Answer

No, Business Insurance is a different insurance product to Workers Compensation and provides various covers including motor vehicle, public liability or property damage for your stock, contents and buildings.

For more information on the types of Business Insurance covers or to get a quote, please visit Business Insurance.

Question 2

How do I pay for my Workers Compensation policy?

Accepted Answer

We provide several options for paying your Workers Compensation premiums, including online with your credit/debit card, BPAY, general mail, or by phone. The only exception is NSW; policy holders in this state need to pay for and renew their policies through icare Workers Insurance.

Question 3

How are Workers Compensation premiums calculated?

Accepted Answer

We will use the wage information provided in your Estimated Wages Declaration Form to calculate your premium.

There are also additional factors taken into consideration by GIO when calculating Workers Compensation Insurance premiums, including:

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 Actual Wages Declaration Form. If your actual wages are lower than your estimated wages for the policy period, you may receive a refund of premium. If your actual wages are higher than your estimated wages, you’ll need to pay extra premium.

Question 4

What are the benefits of reporting injuries early?

Accepted Answer

Reporting a claim within the required timeframe can make a significant difference to the cost of a claim and may also reduce your premium. This is because the earlier a claim is reported, the sooner a coordinated approach to treatment and return to work can start. GIO can guide you step by step through the process of facilitating early recovery and return to work, which can reduce claims costs. This process is critical, as claims costs can directly impact workers compensation premiums paid by employers.

Question 5

What are my workers compensation responsibilities as an employer?

Accepted Answer

As an employer, you must:

have Workers Compensation Insurance that is current
be able to produce proof of coverage if requested by the Regulator
prominently display at each workplace details of your insurance coverage.

Question 6

Do I need to continue to pay an injured worker’s wages after an injury occurs?

Accepted Answer

As an employer, it is your responsibility to continue to pay an injured worker on the usual pay days following an injury. GIO will inform you of the process for calculating the weekly compensation wage rate to be paid to the worker. For more information, contact your claims advisor or GIO on 13 10 10.

Question 7

How do I get reimbursed for wages lost due to a work injury?

Accepted Answer

To be reimbursed for lost wages, you are required to send your GIO claims advisor a record of the time the worker has lost due to injury or illness. By sending this record to GIO, we can ensure that you are reimbursed promptly.

Question 8

What is the definition of a ‘worker’?

Accepted Answer

Generally, a ‘worker’ is an individual who works under a contract of service with an employer, whether the contract is expressed or implied, oral or written, or an individual who works under a contract or at piecework rates for labour or substantially labour only. Workers’ also include casuals, working directors of the company, outworkers, and in certain cases, contractors. Please refer to applicable state or territory legislation for specific definitions, which vary depending on the jurisdiction.

Question 9

What are suitable duties?

Accepted Answer

Suitable duties are short-term work duties agreed between the employer, the injured worker and treating doctor, to assist the injured worker’s rehabilitation. Suitable duties must comply with a current medical certificate.

Question 10

Should I provide suitable duties to an injured worker?

Accepted Answer

If your injured worker has some capacity for work, but cannot return fully to their normal role, as the employer you are responsible for providing suitable duties. Providing suitable duties for injured workers significantly improves recovery timeframes, Return To Work rates and claims outcomes. You can take a proactive step of preparing a list of potential suitable duties and send it to GIO prior to an injury, to help streamline the claims management process.

Question 11

What is a Return To Work Plan?

Accepted Answer

A Return To Work Plan outlines the duties to be provided to the injured worker in the form of a written action plan that explains how you will help your injured worker stay at work while they recover. This plan is to be supplied to all parties.

Question 12

What is a common law claim?

Accepted Answer

A common law claim is a claim for damages in which it is 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.

Question 13

What is the difference between a "recurrence" and an "aggravation" of an injury?

Accepted Answer

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.

Question 14

Who is the Primary Treating Medical Practitioner?

Accepted Answer

A Primary Treating Medical Practitioner (PTMP) is the medical practitioner chosen by the worker to participate in the injury management process. A worker has the right to select their own PTMP; it is usually the worker’s own GP/doctor. The role of the Primary Treating Medical Practitioner varies by state but in general they:

provide primary medical care to the injured worker
diagnose the nature of the injury or illness
refer the injured worker to specialist care, or provide the injury management co-ordinator with information for them to co-ordinate care
provide workers compensation medical certificates
inform the employer about any specific work restrictions
monitor, review and advise on the worker’s condition, progress, work capacity and treatment
take part in developing return to work plans and injury management plans.

Workers have an obligation to notify their employers if they change their Primary Treating Medical Practitioner.

Question 15

What is a ‘Register of Injuries'?

Accepted Answer

A ‘Register of Injuries’ is used to record the details of each injury that occurs in the workplace, regardless of whether or not a claim is made. It should be kept by the employer where it is readily accessible to the workers.

Question 16

What is a certificate of Currency and how can I get one?

Accepted Answer

A Certificate of Currency provides confirmation of a current Workers Compensation policy and is valid for up to 12 months from the date of issue or until the policy expiry date, whichever occurs first.

You can obtain a copy by logging into your GIO Online Services. After logging in, navigate to ‘Your Insured Policies’ and select the policy you would like to obtain your Certificate of Currency for. On the policy overview, click ‘Get documents’ and then select, from the drop-down options, 'Certificate of Currency'.

You can then choose which email address you want the document sent to – it will default to what we have in your contact information, however, you can easily change it to whatever you prefer.

Workers Compensation FAQs (General)