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What to do if an injury occursPost-injury checklist: Employer to workerA checklist to support employers with managing a work-related injury or illness, and having an effectivereturn to work planHave you made immediate contact withthe worker?YesNo, make immediate verbal contactHas appropriate first aid or treatmentsupport been provided?YesNo, coordinate treatment/injury supportYesNo, immediately contact SafeWork 13 10 50YesNo, complete register of injuryYesNo, report within 48 hoursIf the injury is considered ‘serious’ or‘dangerous’ or resulted in death, haveyou reported this to SafeWork NSW?Have you recorded the injury in theRegister of Injuries SafeWork NSW?Have you reported this incident/claimto your insurer EML?TIP: If the injury results in time off work – Pre-Injury Average Weekly Earnings (PIAWE) calculation is used.PIAWE is the earnings an injured worker will receive for a set period based on their pre-injury earnings.Click here for more information.Have recover at work discussions beenheld with the injured worker? (includingavailability of suitable duties)YesNo, immediately contact worker and discussAre you available to attend or dial intothe initial GP consultation? (*you can onlyattend or dial in with the worker’s consent)YesNo, ensure the worker has all information available tosupport suitable duties - including Job Task Analysisor position Description and available supportHave you been provided with the GP’sinitial certificate of capacity?YesNo, contact the worker and obtain a copyTIP: The certificate of capacity is used in the NSW workers compensation system to describe the natureof a worker’s injury/illness, their capacity for work and the treatment required for a safe and durablerecovery at/return to work. Find out moreHave you discussed the certificate ofcapacity in detail with the worker?YesNo, discuss with worker and gain a completeunderstanding of the injury diagnosis and treatment planHave you completed an agreed recover atwork plan with the worker?YesNo, discuss and complete plan withworker as soon as possible. If unfit forwork, gain detail on next GP review date.Have you maintained communication withthe worker and kept record of key dates/milestones and treatment activity (i.e. Dateof next medical/treatment appointment)?YesNo, make immediate contact withworker and gain updated detailsResources: Recover at work planning template Recover at Work Assist for Small Business Rehabilitation Providers icareTM Insurance and Care NSW 20207 of 13Workers Insurance: Small Business Toolkit

DefinitionsWorkers insurance is a complex environment, and you might come across terminology you are not familiarwith. To help you be better informed, below are common terms used in workers insurance.Case manager / Claims AdvisorThe case manager is the primary point of contact for the work injury claim for you, your worker and theirtreatment providers. They are responsible for: Coordinating the end-to-end process of a work injury claim Reviewing a work injury claim and acting on behalf of the insurer Development of an injury management plan Authorising ‘reasonably necessary’ treatment and other expenses Determining what payments a worker is entitled to, and ensuring these payments are receivedHelping employers meet their obligations to support the worker to recover at work.Certificate of capacity or fitnessA certificate of capacity is the primary communication tool used by your worker’s Nominated TreatingDoctor to communicate with you, the case manager or claims advisor and the worker. It will be used bythe case manager or claims advisor to: Assess your worker’s claim Determine whether the worker receives compensation payments Review and determine treatment, workplace rehabilitation and return to work strategies for the workerClaims Excess PaymentIf you don’t report a work-related injury within 5 days of becoming aware of the injury, you may berequired to pay a ‘claims excess payment’, which is equivalent to one week of the worker’s weeklypayments.ComplaintIf you have a complaint, you are encouraged to contact your claims manager in the first instance.Alternatively, you can call the icare Complaints Resolution Team on 13 99 22, or you can contact SIRA on 1310 50 with your enquiry or complaint.Independent Medical ExaminersAn independent medical examiner (IME) is a registered medical practitioner who is engaged to completean examination of your patient and provide a report. An IME report can contain assessments andrecommendations about: Your woker's work capacity Ongoing medical treatment and care needs, including recommendations for future treatment Permanent impairmentDeclaration of WagesTo help calculate your premiums, you need to declare the amount of wages paid within the year. You’rerequired to lodge a declaration at the end of your workers compensation insurance policy period bycompleting an Declaration of Actual Wages form. icareTM Insurance and Care NSW 20208 of 13Workers Insurance: Small Business Toolkit

EmployerAn employer is any person or business entity that employs or hires workers on a full time, part timeor casual basis, under an oral or written contract of service or training contract.Working directors of a corporation are considered employees of the corporation.Examples: a household who hires a babysitter or a nanny is an employer a farmer who hires a farmhand and provides accommodation and meals in lieu of wages to thefarmhand is an employerExempt employerYou are an exempt employer and not required to get an insurance policy if: you pay 7,500 or less in annual wages and; you don’t employ an apprentice or trainee and; you’re not a member of a group for premium purposes.Even if you are exempt, you still have the obligation to provide assistance with injury management andreturn to work. This includes notifying icare workers insurance on 13 77 22 of any workplace injuries.Injury Management Plan (‘IMP’)An Injury Management Plan (IMP) provides details of a worker’s return to work and recovery goals,including information about treatment. The IMP is developed by the claims advisor in conjunction with you,your worker, their nominated treating doctor and the extended health team.Insurance and Care NSW (icare)icare provides insurance and care services to statutory authorities and to people with injuries undervarious compensation schemes. This includes the Workers Compensation Nominal Insurer, providingworkers compensation to employers and workers in NSW.icare workers insurance acts for the Workers Compensation Nominal Insurer and engages external insurersto manage workers compensation claims on its behalf. These external insurers are: Allianz Australia Worker’s Compensation (NSW) Limited Employers Mutual NSW Limited GIO General Limited QBE Insurance Group LimitedJob task analysisJob task analysis (JTA) involves an examination and breakdown of the skills and demands specific to aparticular task, role or duties within the workplace.It consists of detailed description of the physical requirements of the role and includes such factors as thetask frequency and duration, environmental factors and the equipment required to complete a role.Medical Support PanelThe Medical Support Panel (MSP) is a panel of medical specialists with expertise in work injuries, whichprovide claims advisors with medical case support to fast-track decision-making. The MSP medicalspecialist review case information and make treatment and medical causation recommendations to theclaims advisor. icareTM Insurance and Care NSW 20209 of 13Workers Insurance: Small Business Toolkit

Nominated Treating Doctor (‘NTD’)Every workers compensation claim requires the worker to have a Nominated Treating Doctor (NTD). AGeneral Practitioner (GP) usually takes on this role. The NTD is responsible for the ongoing managementof a worker’s injury. Apart from assessing, diagnosing, treating and certifying patients, the role of the NTDincludes supporting the patient with their recovery at/return to work.Pre-injury Average Weekly Earnings (‘PIAWE’)If a worker is unable to perform their pre-injury job because of a work-related injury, any weeklycompensation that might be payable to them is calculated by reference to their Pre-injury Average WeeklyEarnings (PIAWE).PIAWE is generally the weekly average of a worker’s gross earnings over the 52 weeks prior to their dateof injury.Permanent impairmentIf your worker sustains a workplace injury or illness that is permanent in nature, then they can makea claim for permanent impairment, and may be entitled to receive a lump sum compensation payment.The worker must have a minimum level of permanent impairment to be eligible for permanent impairmentcompensation.PremiumsYour workers insurance premium is based on your industry, how much you pay in annual wages, and arange of other factors.Register of injuryEven if an injury doesn’t result in a workers compensation claim, you need to keep a record of whathappened. This is called a register of injuries. The register of injuries must be kept in a readily accessibleplace in the workplace.Return to work programA return to work program is the formal policy and procedures your business must have in place to helpinjured employees recover and return to work.It should outline your commitment to helping injured workers recover at work and/or return to work safelyand as soon as possible following a work-related injury or illness. Your return to work program must be: consistent with the Standard return to work program accessible and communicated appropriately to your workforce provided to any worker on request.Safework NSWSafeWork NSW is the workplace health and safety regulator (with the exception of mines and petroleumsites) for New South Wales. It focuses on harm prevention and improving the safety culture in NSWworkplaces. icareTM Insurance and Care NSW 202010 of 13Workers Insurance: Small Business Toolkit

Small business employerSmall business employers have less than 20 workers or have an average performance premium of 30,000or less per year1, and will often be single director companies and family businesses. Leaders of thesebusinesses are likely to be part of the day-to-day work and workplace.State Insurance Regulatory Authority (SIRA)The State Insurance Regulatory Authority (SIRA) is the NSW Government agency responsible forregulating the NSW workers compensation system.Suitable workIf a worker is not able to immediately return to their normal duties, an employer is obligated to identify ifsuitable work is available in the workplace. Suitable work could include modified tasks and duties, differenthours or days of work, an alternative position in the same workplace, training to expand a worker’s skill setand/or a different job location.Employers should discuss with their claims advisor or case manager if they are eligible for additionalprograms and resources to help their injured or ill workers recover and return to work.Weekly paymentsWeekly payments provide your worker with some income during your recovery. There are certain types ofpayments, depending on their circumstances and the nature of their injury.WorkerA ‘worker’ is any person who has entered into, or who works under, a contract of service or apprenticeshipwith an employer (whether by way of manual labour, clerical work or otherwise, and whether the contractis expressed or implied, and whether the contract is verbal or in writing).Volunteers and unpaid work experience students are not ‘workers’ under the Workers Compensation Act1987, and you do not need to cover them with your workers insurance policy. You still have a ‘duty of care’to make sure volunteers and work experience students have a safe working environment.Sole traders/proprietors, or members of a partnership are not considered as workers. Hence, they cannottake out workers insurance to cover themselves for injuries.For sole traders and partnerships, a suitable alternative may be a personal accident and illness policy, or anincome protection insurance policy. However, it’s not a legal requirement to take out one of these policies.Workers compensation policyA workers compensation policy provides cover for your workers in the event of a work-related injury orillness. Workers insurance will cover the costs of supporting your injured worker which may include: weekly benefits rehabilitation services medical and hospital expenses some personal items damaged in a work related accident a lump sum payment for death or permanent impairment1. tion-small-employer#gref icareTM Insurance and Care NSW 202011 of 13Workers Insurance: Small Business Toolkit

Workers Compensation Industry Classification (WIC)An employer’s industry classification corresponds to an employer’s business or industry activity. Anemployer may carry on a single business or more than one business at the same time. If an employercarries on a single business, the classification applicable to the business is that which most accuratelydescribes the entire business of the employer. If an employer carries on more than one business separateand distinct businesses, then a separate WIC is applied to each such separate and distinct business.Workplace Rehabilitation provider (‘Rehab provider’)Workplace rehabilitation services are needs-based services provided to assist a worker to remain ator return to safe and suitable employment as early as possible. Many injured workers will not requireworkplace rehabilitation services and can return to work safely with help from their employer and supportteam, which includes their case manager and treating providers. However, an insurer may still need toengage a workplace rehabilitation provider if the worker’s return to work is not straightforward and ifadditional expertise is needed above and beyond that which the employer and insurer can provide.These services will be engaged if they are reasonably necessary. icareTM Insurance and Care NSW 202012 of 13Workers Insurance: Small Business Toolkit

icare.nsw.gov.au icareTM Insurance and Care NSW 202013 of 13Workers Insurance: Small Business Toolkit

At icare, we deliver best-in-class insurance and care services to the businesses, people and communities . of NSW. Whether a person is severely injured in the workplace or on our roads, icare supports their long-term care . needs to improve quality of life, including helping people return to work.