Practical claim answers
This decision guide is for people who know they have an injury problem but do not yet know whether to start with CTP, workers compensation, public liability, medical negligence or TPD. This is general information only. The position depends on the claim pathway, facts, evidence, dates and current law or policy wording.
Start with where and how the injury happened: on the road, at work, on another person’s premises, during medical care, or through a condition that now prevents long-term work. Then identify the insurer or fund, the first medical evidence and any decision already made.
This page sorts issues; it does not decide liability, eligibility or entitlement. A pathway that looks likely from the incident may change after the documents, employment facts or policy wording are checked.
This decision guide is for people who know they have an injury problem but do not yet know whether to start with CTP, workers compensation, public liability, medical negligence or TPD.
Start with where and how the injury happened: on the road, at work, on another person’s premises, during medical care, or through a condition that now prevents long-term work. Then identify the insurer or fund, the first medical evidence and any decision already made.
Use five questions: what happened, where it happened, whether work was involved, who controlled the risk or treatment, and whether a super insurance definition may also be relevant.
Start with complete source records rather than a label or summary. A short chronology, treatment records, incident or employer records, insurer letters, super statements and proof of work or income impact are usually enough to identify the first pathway to investigate.
This page sorts issues; it does not decide liability, eligibility or entitlement. A pathway that looks likely from the incident may change after the documents, employment facts or policy wording are checked.
Do not wait to identify the “perfect” claim label before getting treatment, preserving evidence or checking a decision date. Keep the original decision or source document and separate confirmed facts from assumptions.
Prepare a short chronology, identify the decision or question causing concern and send only the key records first. If a response date is stated, do not wait for every document before asking what to do next. Use five questions: what happened, where it happened, whether work was involved, who controlled the risk or treatment, and whether a super insurance definition may also be relevant.
Send your claim detailsDocuments and records
These records help identify the claim pathway, decision-maker, evidence gaps and any time-sensitive issue.
Common questions
Short general answers only. The right next step depends on the facts, dates and documents.
Send a short account of what happened, the injury date, first treatment, work connection, existing insurer or super letters and current work impact. Those facts are more useful at first contact than choosing a legal label yourself.
A short chronology, treatment records, incident or employer records, insurer letters, super statements and proof of work or income impact are usually enough to identify the first pathway to investigate. Keep dates, authors, attachments and the complete wording so the material can be read in context.
This page sorts issues; it does not decide liability, eligibility or entitlement. A pathway that looks likely from the incident may change after the documents, employment facts or policy wording are checked. It organises the issue but does not predict or guarantee a result.
Use five questions: what happened, where it happened, whether work was involved, who controlled the risk or treatment, and whether a super insurance definition may also be relevant. Seek prompt advice if you have a rejection, payment change, settlement proposal, missing records or a stated response or review date.
General injury enquiry
Tell us where and when the injury happened, what has changed since, and whether an insurer, employer or super fund has contacted you. The enquiry can then be directed to the likely pathway.
