Legal Rights and Disputes
If you disagree with an insurer's decision, you usually have the right to ask for a review — and often to free legal help.
Internal review
Many schemes let you ask the insurer to review its own decision first. Put your request in writing.
External disputes
Conciliation services, commissions and tribunals handle disputes independently of the insurer.
Time limits
Deadlines can be as short as 30 days. Write them down as soon as you receive a decision.
Legal representation
Free help exists in some schemes. For private lawyers, ask for written cost estimates.
General information only. Rules change and depend on your circumstances. Check with your regulator or get independent legal, financial or medical advice about your situation.
Related situations
Guides for this topic
My workers' compensation claim has been rejected.
Why claims are rejected, how to ask for a review, and the time limits that apply.
Read the plain-English guideDo I need a lawyer?
When legal help is useful, free options, and how legal costs work.
Read the plain-English guideWhere can I find support in my state?
Regulators, free legal services, advocacy groups, mental health and financial help near you.
Read the plain-English guideSupport
Services that can help
Community Legal Centres Australia
Find a free community legal centre near you anywhere in Australia.
Covers: National
Independent Review Office (IRO)
Free complaints and enquiries service for NSW injured workers, and funded legal help through ILARS.
Covers: NSW
Legal Aid NSW
Free legal information and advice, including employment and some injury-related matters.
Covers: NSW
Victoria Legal Aid
Free legal help line and referrals for Victorians.
Covers: VIC