Workers' Compensation

All employers in NSW are required by law to have a workers compensation insurance policy. An employer is a business (including an individual) that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship.

In the event of a workplace injury or disease, the policy will provide the worker with weekly benefits, medical and hospital expenses, rehabilitation services, certain personal items (eg. clothing, spectacles, if damaged in a work-related accident), and a lump sum payment for permanent impairment. The policy must cover all workers, at all times.

Some people are ‘deemed’ to be workers for workers compensation purposes. Deemed workers – outworkers, taxi drivers and some contractors – must also be covered by a workers compensation policy.

WorkCover NSW regulates the New South Wales workers compensation system.

The system operates under the Workers Compensation Act 1987 and the Workplace Injury Management and Workers Compensation Act 1998.

Recent changes to workers compensation aim to produce a financially viable Scheme that is fair and affordable for employers and improves outcomes for injured workers.

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