Hmm yeah that is the danger of a work cover claim for a casual. My mum made a work cover claim tripping down stairs at work and injured her shoulder, so she needed some time off her casual job as night fill at Coles. Surprise surprise the moment the words work cover were uttered she didn't get another shift. It wasn't even that job she was injured at, she wasn't making a claim against them, it was just because she was injured working in job no 1 she could claim lost income for job number 2 as well? (or something like that - im
Pretty sure thats how coles knew she had made a claim) so it didn't cost Coles a cent, but they still didn't give her any more shifts knowing she had put a claim in against her other employer.
View Poll Results: Have you ever been paid compensation?
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no, never been in a position to claim
no, and I have been in a position to
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Results 31 to 40 of 46
23-04-2012 08:42 #31
23-04-2012 08:50 #32
No, but I wouldn't hesitate to if I needed to.
23-04-2012 09:42 #33
There would always be about 3 of them all in suits, ALWAYS male sittign inbetween you and door - very, very intimidating and confronting. TOTALLY illegal but I was too young to really know how to defend myself or where to go. To me they were the managers that were meant to protect me, but in reality they were just protecting themselves and wanted no trouble.
Obviously I should have gone straight to HR but you don't think that at the time.
In the end I quit because it was so awful going to work and being harrased, hit on, told I was 'another chick who woudl never make it a chef'.
Awful, awful place to work!
Last edited by Buttoneska; 23-04-2012 at 09:45.
23-04-2012 10:26 #34
I've never been in the situation that I have had too. But I would if I ever am (knock of wood that never happens!).
I work in workers compensation (*hides head before something gets thrown at me*) and I dont feel any nastiness towards those that make claims! Its a scheme thats their for a reason.
23-04-2012 10:49 #35
Yes, I'm an x-hairdresser who got RSI, my bosses continually lied about me and I nearly lost the case, loosing my career wasn't enough apparently and I had numerous job offers because of being a state competition winning stylist!! I got a pay out that let me take an office job before having babies, my arm and shoulders have never been the same and I have to lift weights to keep up the strength. Have difficulties holding babies, can't work in a salon....
23-04-2012 11:58 #36
Compulsory third part insurance is on every car registration in every state - and the money goes into government funding of whichever state run insurance department in that state. (When I worked in NT it was MVIC (Motor vehicle insurance commission), in WA it's ICWA (Insurance commission of WA)), however these are all government run departments.
The Queensland department is the MAIC (Motor Accident Insurance Commission) which is a government run and owned department.
Last edited by Mod-pegasus; 23-04-2012 at 12:03.
23-04-2012 12:55 #37Senior Member
- Join Date
- Jan 2009
If you have an accident, you serve the claim on the other driver's CTP insurer, eg. Suncorp, RACQ etc. You then deal directly with their claims department and they pay out the settlement. So you get different outcomes depending on insurers, eg. some are easier to deal with than others in settlement negotiations. MAIC oversee it the whole system, but you don't deal directly with them for a claim, and the money doesn't come from a general pool.
If the car was unregistered, or unidentified (eg. hit and run type situation), then you serve a claim on the Nominal Defendant, which is a government pool of money also sourced from registration.
23-04-2012 13:17 #38Senior Member
- Join Date
- Jun 2010
- Launceston, Tasmania
Had a car accident while working almost 6 years ago. Took me a long time to recover from the soft tissue damage. I was on comp for 7 months til I found another job I could do. I also suffered from severe depression too. Medical expenses for Mede, doctors and physio etc was over 50k and I asked for my claim to be settled whilst I was pregnant with my first as I was stressed and unwell. Insurance claims are expensive and time consuming. I took a cash settlement of $15k. In hindsight I should have asked for more as I still have issues but I just wanted it over and for the pain to go away.
For most of us it's never about the money as such just getting what we are untitled to for care of ourselves and our family. I would never begrudge anyone a genuine claim.
23-04-2012 13:23 #39
I work in private healthcare rehabilitation.
My clients either pay their own bills, or they are charged as compensation (ie. workers compensation or motorvehicle), (or other private DVA etc).
The compensation payments for motor vehicle payments only ever come from the state government run department for motor vehicle injury insurance in the states I've worked in (although I'm now more curious about Qld as I haven't worked in Qld).
I'm not saying there's a general pool of funds but in the instance you're saying here is that if MAIC oversee other insurers managing motor vehicle personal injury claims then it sounds like they contract out some of the insurance. Does this sound correct?
Last edited by Mod-pegasus; 23-04-2012 at 13:30.
23-04-2012 13:29 #40
I got a payout of a few grand. It cost way more than that to recover. I lost my job, could only find a casual job, was unable to work some shifts which meant loss of income, and more than a decade later I am on limited work capacity still. So no, I agree, not exactly a money-making venture. Just recovers some or all of our losses really.
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