The national schemes – what you need to know about Comcare and Seacare
Injury happens to many people at some stage of their working lives.
It can be a traumatic experience. Financial compensation may not remove the pain, but it can help you get on with your life.
Remember: If you are injured, you are almost certainly entitled to compensation. The amount you may receive depends on a number of factors, the most obvious being the severity of the injury or if there was negligence by your employer.
Commonwealth Government employees, including employees of some large corporatised companies like Australia Post, along with the employees of some private national companies including Chubb Security, John Holland and Linfox are covered by Comcare whilst those in the Australian maritime industry are covered by Seacare. These schemes are similar to WorkSafe in Victoria.
The important thing to remember is that decisions made under schemes such as Comcare and Seacare can be contested. It's often in your interest to do so because Comcare tries to keep payments to a minimum. And that's not always in your best interest.
It always pays to contact us for a second opinion on a disability or injury claim. And it costs you nothing. Call an office near you.
Does Comcare only cover work injuries?
No. You’re also covered while:
- Travelling to or from work (if injured before 13 April 2007)
- Training at an approved centre
- Playing sport for your work.
Things you must do: a checklist
- Report your injury. You may forfeit your cover if you don’t.
- Lodge your Comcare or Seacare claim with your employer. (You need a medical certificate from your doctor).
- You should get weekly payments immediately.
- If claiming for a lump sum payment, call us. Now.
Note: if your claim is rejected, call us for a second opinion.
A quick guide to Comcare benefits
- Away from work for up to 45 weeks – 100% of your salary
- More than 45 weeks – 75% of your salary
- If you return to work but work less hours, you can have a salary top-up of between 80 and 100%
- Household and attendant care expenses may be paid
- All “reasonable” medical costs may be paid
- Lump sum payments may be made for permanent disability.
Lump sums can be chased through Comcare or through the Courts. But if you are at this point, you should call us immediately for free initial advice.
Lump sums can be chased through Comcare or through the Courts. But if you are at this point, you should call or find us at an office near you for free advice on Comcare, or download our Comcare brochure.