If one of your employees or workers is injured, or develops an illness during their employment with you, they may be covered by your QBE Workers Compensation insurance. It helps cover their medical expenses, rehabilitation costs and loss of earnings, which means they can focus on recovering and getting back to work.
The claims process varies slightly from state to state, but here’s how it works:
| 1 | Ensure your worker gets first aid and is seen by an appropriate medical professional. |
| 2 | Log the incident in your workplace injury register. |
| 3 |
Call QBE or your broker. Some of our employers will submit a First Contact Form as well, but this is optional. |
| 4 |
Talk to your employee or worker about whether they wish to make a claim. If they haven't got a medical certificate yet, you may wish to complete our suitable duties worksheet first and send this off to the doctor with them to increase the chances of being certified fit for some work, rather than unfit for all work. |
| 5 |
Send the worker's completed claim form and their medical certificate to us. Post: your local QBE branch Optional: Completing the Employer's Report of Injury Form is optional. Any information you can provide about what happened helps us process the claim more quickly for you and the worker. You will receive an email with a video in it to watch and complete some key questions about this claim. Have a look at our frequently asked questions to understand more. |
| 6 |
We'll assess the claim. If we accept liability for the claim, we'll let you know how much and when to pay the worker for their wages. |
| 7 | Continue to work with your employee to identify suitable duties they can do while they are recovering from their injury. If you need extra support with this, let us know, we can help. |
| 8 | We'll continue to work collaboratively to ensure all parties meet their obligations. |
| 9 | Once your worker’s treatment is complete and they’ve made a full return to work, we’ll close the claim. |