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Injured Workers Compass Australia

My WorkCover payments have stopped.

Why weekly payments stop or reduce, what you can do, and other financial help that may exist.

Last reviewed

In one sentence

Payments can stop for many reasons — some can be challenged, and there are often strict time limits to act.

What this means

Weekly payments can stop or reduce because the insurer has decided you can work, because of a medical opinion, because you reached a time limit in your scheme (often called a 'step-down' or 'cap'), or because they say you did not meet an obligation.

In most schemes the insurer must give you written notice and reasons before stopping payments. Read this letter carefully — it usually explains how to ask for a review and the deadline.

If you have lost your income, you may also be able to access Centrelink payments, income protection insurance through your superannuation, or hardship assistance from your bank or utilities.

Things to know

  • Ask for the decision and the reasons in writing if you have not received them.
  • Check whether your scheme has a review or dispute process — and the time limit.
  • Medical treatment may continue even after weekly payments stop. Check before you cancel appointments.
  • Look into Centrelink, super income protection and financial counselling straight away.

Common questions

Can the insurer just stop paying me?

Insurers usually have to follow notice rules and give reasons. If they did not, or you disagree with the reasons, you can generally ask for a review or lodge a dispute.

What is a step-down?

Many schemes reduce weekly payments after a set number of weeks (for example 13 or 26 weeks). This is a planned reduction, not a penalty, but it should still be calculated correctly.

Will my medical bills still be paid?

Often yes, for a period. Medical entitlements are usually separate from weekly payments. Ask your insurer in writing.

What you can do next

  1. 1Find the insurer's letter and write down the review deadline.
  2. 2Ask your doctor for an updated certificate that reflects your real capacity.
  3. 3Contact a free legal service or regulator about whether the decision can be challenged.
  4. 4Call the National Debt Helpline (1800 007 007) if bills are building up.

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.