This guide provides general education and does not diagnose a condition or replace individual medical or physiotherapy assessment.
Income support replaces part of lost earnings
If a NSW motor accident injury reduces your earning capacity, you may be eligible for statutory income support. The insurer calculates the amount using pre-crash earnings, current earnings and your capacity for work.
To receive back pay from the accident date, SIRA says the claim should be lodged within 28 days.
The first 13 weeks
For the first 13 weeks, income support can be up to 95 per cent of pre-crash earnings. The actual amount depends on the insurer's calculation and any earnings you continue to receive.
From week 14
From week 14, income support can be up to 85 per cent of pre-crash earnings, depending on earning capacity. Ask the insurer for its written calculation and the capacity information it relied upon.
Later time limits
Statutory payments may end after one year for people at fault or mostly at fault, or for injuries classified as threshold injuries. Continuing income support after two years generally requires an ongoing loss of earning capacity and a damages claim. Individual circumstances differ, so confirm the applicable rule with the insurer or CTP Assist.
If you need help
CTP Assist can explain the claims process on 1300 656 919. For a complaint about insurer conduct or a decision affecting your rights, the Independent Review Office also handles NSW CTP complaints.
Official links
Read the source for this topic.
Each link below opens the specific government or scheme page used for this guide.
Raby & Gledswood Hills