Whether you’re a sole trader or a contractor, it’s important to understand what financial protection is available if you’re injured at work. While some contractors may qualify for WorkCover, others will need to rely on private insurance options such as TPD, income protection or trauma insurance.
The TAC scheme is designed to provide compensation for those injured as a result of a transport accident in Victoria. However, the meaning of “as a result of a transport accident” has been brought into question in the Victorian Supreme Court, Court of Appeal.
If you have sustained an injury or illness, whether at work or outside of work, you may be able to claim an insurance benefit known as a TPD claim. This benefit is usually attached to your super fund. Our clients often ask us how long a TPD claim will take, what can complicate the process and how to overcome this to ensure a successful application.
If you’re injured in a transport accident in Victoria and your TAC claim for compensation is accepted, you may still face disputes over ongoing benefits.