July 18, 2017

Dealing with Insurers

First Contact

The insurer will probably know of you before you know of them. The way the system works is that your employer will generally inform their workers compensation insurer once you have given your employer the certificate of capacity. The insurer then has 72 hours to contact you.

Negotiation

Unfortunately you will be reliant on your case manager for the vast majority of your treatment in the NSW workers compensation system. As important as it is to maintain a friendly association with your insurer this is not always going to be possible, negotiation is going to be a key skill you will have to learn.

Know your rights

Knowing what you are entitled to and what you are not is a key part of talking to your insurer.

For a number of reasons the insurer may not be playing fair with you, or they may be doing everything fair and above or beyond what they can. Knowing your rights can make the process easier for you in both cases.

Know your responsibilities

As important as knowing your rights is knowing your responsibilities. Knowing these will mean that if the insurer is asking you to do something, you will understand when they are being reasonable in their demands.

Making a complaint

You have a right to complain about the actions and behaviour of the insurer or anyone involved in their workers compensation matter.​


Past posts on Dealing with Insurers:

Talking to your insurer part 5: Making a complaint
Making a complaint You have a right to complain about the actions and behaviour of the insurer or anyone involved[...]
Talking to your insurer part 4: Know your responsibilities
Know your responsibilities: As important as knowing your rights is knowing your responsibilities. Knowing these will mean that if the[...]
Talking to your insurer part 3: Know your rights
Know your rights Knowing what you are entitled to and what you are not is a key part of talking[...]
Talking to your insurer part 2: Negotiation
Negotiating with a case manager Unfortunately you will be reliant on your case manager for the vast majority of your[...]
Talking to your insurer part 1: First Contact
First contact is always important. The insurer will probably know of you before you know of them. The way the[...]