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O =g4Unlocking the Changes to the Workers Compensation Scheme Presented by Paula Potter  MacMahon Associates, Lawyers and Bruce McLean  Hunt & Hunt, Lawyers89(`   Some initial general concepts$P2    Workers compensation entitlement&!P $$ !  (Entitlement (cont d)P$љ   (Entitlement (cont d)*P$љ$   (Entitlement (cont d)P$љ   #Provisional Acceptance of Liability"$#$$ $ Recent amendments to the legislation have resulted in changes to the procedure for handling claims. Of particular significance is the introduction of provisional weekly payments. Provisional weekly payments to be commenced within 7 days after initial notification to insurer of injury to worker, unless the insurer has a reasonable excuse - Section 267 of the Workplace Injury Management and Workers Compensation Act 1998..Zj8  Initial Notification to Insurer  $  Not complete until the following information is provided to the insurer. Worker s Information Name Residential Address Date of Birth Employer s Information Name Business Address Treating Doctor Information Name or name of hospitalIZZ'ZZZZZI'    'Initial Notification to Insurer (cont.)(($ ( Injury or illness and accident details Date of injury Description of how injury happened Notifier information Name of person making initial notification Relationship to worker or employer Contact detailsT'2^'2^  Reasonable Excuse$  FWhat are reasonable excuses? Insufficient medical information Worker unlikely to be a  worker Insurer unable to contact worker Worker refuses access to information Evidence suggests injury not work related Injury is not significant (time off less than 7 days) injury notified after 2 months$ZZ$ $ General$  xThe insurer may still provisionally accept the claim if missing information is not materially necessary. Provisional acceptance of liability is payable for up to 12 weeks. During that period insurer may determine the claim. Provisional acceptance does not constitute admission of liability. An insurer may accept a claim for medical expenses provisionally for up to $5,000.00.y@7y y Making a Claim$  dA worker must make a claim if: the insurer has stopped making provisional liability payments the insurer requests that a claim be made the worker requires benefits that exceed entitlement on provisional liability the worker makes a claim for permanent impairment Time limits for making a claim are three years Provisions for making a claim have not changed@ZZ^Z^ e Serving a Claim$   A worker may serve a claim by: providing it in writing personally to the employer/insurer delivering it by post to the employer/insurer sending it via email leaving it at employer s/insurer s registered office delivering it to a director of the company employer0PZ2PZ2  6Employer s Responsibilities$  Must forward details of claim to insurer within 7 days. Must provide information at the request of the insurer within 7 days of the request. Where worker is expected to be absent for 7 or more days, employer must notify insurer of injury within 48 hours.@2   The new basis of Assessment$  Section 66  permanent impairment Assessed on whole person impairment basis and entitled to compensation under Section 66 up to $200,000.00 Maximum is payable in any case where the impairment is greater than 75%. Compensation is payable for primary psychological injury only if 15% or greater whole person impairment. No lump sum compensation is payable for a secondary psychological injury.@2  #The new basis of Assessment (cont.)$$$ $ Section 67 (pain and suffering) maximum remains at $50,000.00. The thresholds for Section 67 lump sum are, as follows: 10% for physical whole person impairment 15% for primary psychological whole person impairment.:w@2`@2X`  Notes$  Provisions relating to HIV and AIDS have been maintained  this is 100% whole person impairment. Multiple physical losses are assessed and converted to a single whole person impairment. Lump sum compensation is not payable for psychological injury and physical injury resulting from the same injury. this is also assessed. Both are assessed and the worker gets the higher monetary sum.PZ  Claims procedure and disputes$  `The employer is to forward the claim to the insurer within 7 days. Claims must be determined by, either: Accepting liability and making an offer or Disputing liability, within 1 month after the WPI becomes fully assessable (as agreed by the parties or assessed by an AMS or within 2 months of insurer having been provided with all relevant particulars.@iZZiP a %Claims procedure and disputes (cont.)&&$ & Section 282 defines relevant particulars to include: details of injury, impairment, injury/impairment. Relevant particulars are not considered to have been provided until the worker attends a medical examination arranged by the employer.g@2  Summary$  For injuries after 1 January 2002, Assessment is on the basis of whole person impairment. In default of agreement an AMS will assess  medical disputes. Assessment of whole person impairment involves determination of; whether the condition has resulted in impairment, whether the condition has reached Maximum Medical Improvement (MMI),T#pZpZwpZ#w R Summary (cont.)$  whether the resultant impairment is permanent, the degree of permanent impairment, and the degree of pre-existing impairment, if any,@2  "Approved Medical Specialists (AMS)##$ # &An AMS may do any of the following: consult with various treating doctors and health providers, call for relevant material including radiology, medically examine the worker, by arrangement in accordance with the Act. The Assessment certificate is to be provided to the Registrar within 10 days.F$PZ2PZ2NPZ2$N ' "Approved Medical Specialists (AMS)##$ # The registrar can amend obvious errors otherwise this must be amended by the AMS. The whole person impairment assessment covers substantially all physical afflictions (15 different areas) and psychological impairment.PZ2  The AMS certificate$  Appeal Procedures$  Must lodge objection to assessment within 28 days of issue of AMS certificate. Grounds for appeal are deterioration in condition, new material not previously available and  incorrect criteria or  demonstrable error Appeal body is constituted by 2 AMS and an Arbitrator.$PZ27Z  Miscellaneous provisions$  HThe worker cannot commence Common Law proceedings unless he/she has obtained a whole person impairment assessment and it is at least 15% (or the employer has agreed this is the case). The worker will not be able to Commute rights under the Act pursuant to Section 87EA unless he/she suffers at least 15% whole person impairment.$PZ2ZI I hA new Tribunal  The Workers Compensation Commission5K5$ 5 What is it?  It is not a Court& . Nielson J, 4 April 2002 Associated Pulp & Paper Mills v Sharples [2002] NSWCC11 The Workers Compensation Commission is a statutory tribunal with some of the indicia of a Court.| Qa -)p  Objectives of the Commission$  Provide a fair and cost effective system for the resolution of disputes. Reduce administration costs across the system. Provide a timely service ensuring that workers entitlements are paid promptly. Create a registry and dispute resolution service that meets worker and employer expectations in relation to accessibility, approachability and professionalism. Provide an independent dispute resolution service that is effective in settling disputes   Composition     Arbitrators  $  Appointed by the President but subject to direction and control of Registrar and need not be legally qualified. They have all the powers of the previous conciliators but can now make binding awards. Minimal formality and not bound by rules of evidence but to act according to equity, good conscience and substantial merits of the case. Must attempt settlement prior to making award.PZ#  Presidential Members$  tDetermine questions of law referred by a party or arbitrator (leave of Member required first) Determine appeals by a party of an arbitrator/registrar s decision but only with leave of a presidential member and only if appeal involves more than $5,000 or at least 20% of the amount awarded. Cost penalty on insurer if appeal unsuccessful. Administration fee and costs of appeal payable direct by insurer. Need leave to produce fresh evidence.  General Powers$  Full power to determine by whom, to whom and to what extent costs are to be paid except for usual restriction on worker and Regulations. Decision of Commission binding except as set out in the Act. Appeals to the Court of Appeal only on questions of law. Parties entitled to legal representation but insurer cannot if worker does not. Same power as before regarding exchange of information, and witness. Registrar may make orders regarding inspection of premises and discovery of documents provided assessed impairment exceeds threshold.PZ  Some of the Commission Rules$  0 Application for Dispute Resolution must be served on Employer and Insurer within 7 days of lodgement. Rule 15. Parties must include all information. Unless  special circumstances for the avoidance of injustice exist neither party can rely on any other information not previously filed and served. Rule 16/27.  Reply must be filed and served by the Employer/Insurer within 14 days of being served. Rule 26.H8PZaZ$Z  $Some of the Commission Rules (cont.)%P%$ % vCannot call witness including expert witness unless statement/report of witness filed with originating process/Reply unless  substantial injustice . Rules 36/R37. When informing itself on any matter, the Commission is to bear in mind the following: Evidence should be logical, probative and relevant to the dispute.2PZCPZC < $Some of the Commission Rules (cont.)%P%$ % #Evidence based upon speculation or unsubstantiated assumptions are unacceptable. Unqualified opinions are unacceptable. Rule 38. Only one medical report per specialty may be used in medical disputes unless a report was previously issued in a separate dispute or permissible update. Rule 48.0PZ2PZ2 $  Restrictions on Commutations$   Section 87E to 87K of the Workers Compensation Act 1987. Effect of amended provisions is to restrict the availability of commutations. Commutations are by agreement and will not have effect until approved by WorkCover and registered with the Commission.(PZ2PZ2  Preconditions to Commutations$  $Preconditions to Commutations (cont) %#$ % Weekly compensation payments have been made to the injured worker throughout the preceding 6 months. The injured worker has an existing and continuing entitlement to weekly compensation. The injured worker s weekly compensation has not been discontinued under Section 52A or reduced under Section 38A. These pre-conditions are cumulative.S@S S $Preconditions to Commutations (cont)%%$ % WorkCover may give directions as to the circumstances in which it will consider all opportunities for injury management and return to work have or have not been fully exhausted. @  Registration of Commutations$  !Registration will be refused if -"Z" " $Registration of Commutations (cont.)%%$ %  What are Common law claims?$  The New Regime$  ROn 27 November 2001 the Workers Compensation Legislation Further Amendment Bill 2001 was introduced. For all Statements of Claim filed prior to 9:00am 27 November 2001, the amendments do not apply. For all filed after, the new rules and regulations apply. Now referred to as  work injury damages *PZ* * )New Common Law Thresholds (Section 151H)*P*$ * 15% Whole person impairment This is either 15% physical impairment OR 15% primary psychological impairment. If there is a dispute as to degree of impairment, (to reach the threshold) it must be assessed by an AMS.@  *New Common Law Entitlements (Section 151G)+P+$ + Damages are now limited to: Past Economic Loss Future Economic Loss Calculation limited to S.35 maximum weekly compensation Benefit - $1,420.50 Calculation limited to age 65.,@@  Common Law Time Limits$  Proceedings cannot be commenced until 6 months from notice of injury S.151C 3 year statute of limitations applies from date of injury S.151D the 3 year limitation does not run whilst there is a medical dispute and/or a pre-filing statement has been served S.151D.@  &New Common Law Procedural Requirements'P'$ ' Lump sum compensation is a pre-condition to damages claim. Must be made before or at the same time. S.280A A claim for common law damages must be made before Pre filing Statement. A pre-filing statement must be served before Court proceedings can be commenced. Mediation.@  Pre-Filing Statements$  Pre-filing statement must include full particulars & all documents. S315 Defence must be filed in 28 days. S316. If after 42 days no defence has been filed to pre-filing statement, Plaintiff may seek summary judgment. At this point the Defendant cannot dispute liability. Statements of Claim and Defences cannot be materially different from pre-filings without leave of the court. S.318.@   Mediation  $  8Mediation must take place prior to court proceedings unless claim wholly denied. S.318A Claim cannot be referred for mediation until 28 days after pre-filing statement is served. Mediation is conducted by the Commission. The Registrar may make orders regarding production of documents and inspection of premises.9PZ9 9 &Effect of recovery of damages (S.151A)''$ ' Once damages are recovered:PZ  FINAL QUESTIONS  NIf you haven t already, please ask now!(( ( /P  ` f [f f3̙` 999f~` ___` 33f3f` f33f 3f3̙` 33f̙3f>?" dd@,?Zd@  d " @ `"  n?" dd@   @@``PP   @ ` ` p>> h `  (  T   "   f gֳgֳd?P > 2    ` gֳgֳ? > 2 Z  s *A?8  # l 1 ?"    X Click to edit Master title style!! ^   fd 1 ?"    RClick to edit Master text styles Second level Third level Fourth level Fifth level!    S $  # l|! 1 ?"   b*   &   # lD% 1 ?"    d*   &   # l9 1 ?"   d*   x   `dD$88޽h? ? f [f f3̙ Lock And KeyY     @ (  T   "   f=U gֳgֳd? > 2    `TU gֳgֳ?`  > 2 Z  s *A?|   # lUU 1 ?" U  U  X Click to edit Master title style!!    f[U 1 ?" t U  [#Click to edit Master subtitle style$$ $  # l,_U 1 ?"0  U  b*   &   # lX^U 1 ?"   U  d*   &   # lTiU 1 ?" 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