Government agencies & regulatorsFree Verified
Australian Financial Complaints Authority (AFCA)
Free, independent complaints service for disputes with super funds and insurers, including TPD and income protection.
Covers: National
What applies to me?
Your plain-English action plan
Step 1 · Your situation
Step 2 · Your state or scheme
Step 3 · Your next steps
I cannot return to work.Commonwealth Schemes (Comcare, Seacare, DVA)
In one sentence
Your employer usually has duties to help you return to suitable work — and if you can't, other entitlements may open up.
Your next steps
- 1Ask your doctor to clearly record your work restrictions.
- 2Request a copy of your return-to-work plan.
- 3Check your super fund statements for TPD and income protection cover.
- 4Speak with a lawyer or advocate about long-term options before resigning.
- 5Contact Comcare (1300 366 979) for free information about how the Commonwealth scheme applies to you.
- 6If you disagree with a decision — Request reconsideration by Comcare or your employer, then apply to the Administrative Review Tribunal (ART).
- 7Watch the time limits — Reconsideration requests generally must be made within 30 days of receiving the decision.
- 8Consider getting independent legal advice before signing anything or accepting a settlement.
How Commonwealth works
- Weekly payments
- Incapacity payments are based on normal weekly earnings, stepping down over time, and can continue until pension age in some cases.
- Medical expenses
- Reasonable medical treatment costs are covered for accepted conditions.
- Permanent impairment
- Permanent impairment compensation is generally available at 10% WPI or more (lower for some injuries such as fingers, toes, taste and smell).
- Free legal help
- Unions, Legal Aid and ex-service organisation advocates (for DVA) can help. Open Arms supports veterans and families: 1800 011 046.
Questions you may have
What are suitable duties?
Work that suits your medical restrictions, skills and experience. It can be different hours, tasks or locations from your normal job.
My employer says there is no work for me. What now?
Depending on your scheme, the insurer may need to provide vocational help, and weekly payments may continue. Ask your regulator or a legal service.
Could I be entitled to TPD?
If you are unlikely to ever work again in a job suited to your education, training or experience, you may be eligible for TPD under insurance in your super. It is a separate claim.
Support available to you
Advocacy & peer supportMembership Verified
Australian Unions – Join or Get Help
Unions can provide advice, advocacy and referrals for members injured at work.
Covers: National
Government agencies & regulatorsFree Verified
Comcare
Commonwealth workers' compensation scheme — claims information and reconsiderations.
Covers: Cwlth
Government agencies & regulatorsFree Verified
Department of Veterans' Affairs (DVA)
Compensation, rehabilitation and support for current and former ADF members.
Covers: Cwlth
Government agencies & regulatorsFree Verified
Fair Work Ombudsman
Information about workplace rights, dismissal and pay. Fair Work Commission deals with unfair dismissal and bullying applications.
Covers: National
Government agencies & regulatorsFree Verified
Services Australia – Disability, Sickness and Carers
Centrelink line for the Disability Support Pension, sickness-related payments and carers.
Covers: National
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.