Workers most at risk of injury and common workplace injuries

work injuries occupations most at riskSuffering injury at work can be quite frightening experience and it can happen to anyone. A serious injury may result in unemployment and can have a serious impact on a family in many ways and can affect a family financially. If you have suffered an injury and need quick independent advice, call: 1800 006 766.

There are many different types of injuries that can occur in the workplace but who is the most at risk?

It’s no surprise that physical jobs are high on the list. Labourers run the highest risk with the highest incidence rates of serious injury. Production workers, transport workers are also considered high risk as well as trades persons.

The most common work-related injuries are sprains and strains which accounts for 42% of serious workers’ compensation claims according to the Key Work and Health and Safety Statistics Australia 2014 report by Safe Work Australia. Diseases too were a big factor but in many cases it is difficult to link the disease directly to the workplace. There were several hundred deaths by Mesothelioma a disease caused by exposure to asbestos.

The report also looks at injury rates by industry. The agriculture, forestry and fishing industries had the highest incidence rate of serious injury for many years. Second to that was manufacturing and transport.

Getting the right advice early on will help injured workers become more aware of their legal options following an injury. If an injury has put a person out of work what about those lost future earnings? What about the lost Superannuation? These have been taken away because of the injury and need to be considered when negotiating and settling a claim for injury compensation.

A law firm or independent lawyer may be worth their weight in gold if you have suffered a permanent or serious injury and when someone has been negligent. You may receive a much larger lump sum payout that does consider future economic losses as well as all the past and present out of pocket expenses and losses.

Contact Work Compensation an independent helpline today and ask all the questions you need to. You can get the forms you need, a free case review, fact sheets and general information. The service is free to use call: 1800 006 766 sooner rather than later as strict time limits apply.

If you need legal advice Work Compensation will arrange this for you with a recommended lawyer who specialises in the right area of law; personal injury law.

Work Compensation Benefits and Avoiding the Pitfalls

Having an accident at work can conjure up a cocktail of emotions. As well as the stress and pain there is also the bureaucracy and the work compensation procedures to deal with.   Work compensation (or workers comp) for work accidents offer benefits to workers who have suffered an injury. These benefits are awarded by the work compensation insurer i.e. work cover. Benefits may include:

  • Loss of earnings
  • Hospital and / or medical expenses
  • Rehabilitation expenses
  • Nursing expenses
  • Travel expenses
  • Funeral expenses
  • Lump sum payment

Unfortunately, work compensation claims not be; ‘plain sailing’. Once your injury has settled work cover (or other insurer) may want to get you off their books. This effectively ends your workers comp claim. They may do this by offering a lump sum payment.

The lump sum payment offered considers current losses and expenses to date. It will not take into consideration any future losses or expenses. At this point it is very important to get independent advice from an organisation such as the Australian Injury Helpline.

Depending on your workplace injuries, you may have other compensation entitlements. If work accidents are caused by someone elses ‘negligence’ whether fully or partially, you may be entitled to a common law claim. A common law claim is separate workers comp claim only available outside of ‘work compensation’.

In one Australian State in order to move onto a common law claim, you must refuse the lump sum payment. Once accepted you will lose your right to a common law work compensation claim. In another Australian State you can move onto common law following acceptance of a lump sum payment. It is very important to get advice before accepting or rejecting a lump sum payments so your entitlements are unaffected.

Workplace injuries which cause a permanent physical impairment, is assessed by a work cover medical professional. Your injury is measured and a percentage of impairment is given by the work cover doctor.  This level of impairment is only their opinion and another doctor may offer a different assessment.

You have a right to get a second medical opinion. Never accept any offer of compensation until you have contacted an independent work compensation organisation.

You can find out all your rights and options by contacting a workers comp helpline who offer services including:

  • Free workers comp information and forms
  • Work cover information
  • A free case review
  • Free legal advice
  • Referral service to a specialist work injury lawyer

You may or may not have common law entitlements but if you do you need to follow protocol. To find out what that protocol is, seek independent advice before you agree to, or accept any offer of work compensation. Contact a free helpline such as the Australian Injury Helpline who can assist.