WorkCover & CTP insights

WorkCover NSWPatient guide6 min read

Problems with a WorkCover insurer: IRO complaints and legal help

Practical steps for delayed decisions, payment problems and treatment disputes, including when IRO or ILARS may help.

Injured worker discussing a WorkCover insurer issue by phone

Insurer issueInsurer supportReasons · records · review

Important

This guide provides general education and does not diagnose a condition or replace individual medical or physiotherapy assessment.

01

Start by making the problem specific

Write down the decision or delay you are concerned about, the date it occurred and what outcome you need. Ask the insurer for its reasons in writing and keep copies of certificates, treatment requests, payment calculations and correspondence.

  • Claim number and insurer
  • The decision, delay or missed payment
  • Dates and people contacted
  • Documents already supplied
  • The outcome you are asking for
02

Contact the Independent Review Office

The Independent Review Office, or IRO, handles enquiries and complaints about NSW workers compensation insurers. This can include insurer conduct affecting weekly payments, medical treatment, liability decisions or delays. IRO can be contacted through its online form or on 13 94 76.

03

When legal advice may be available

The Independent Legal Assistance and Review Service, or ILARS, can fund eligible injured workers to obtain free independent legal advice for workers compensation disputes. An IRO-approved lawyer applies for funding. ILARS does not fund legal assistance for CTP insurer disputes.

04

Do not ignore time limits

Some review and dispute processes have time limits. Contact IRO or an appropriately qualified lawyer promptly if an insurer decision affects payments, treatment or another entitlement and you do not understand the next step.

05

What the clinic can help with

The clinic can explain the physiotherapy assessment, treatment plan, functional findings and documents it submitted. It cannot determine legal entitlement or overturn an insurer decision.

Official links

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Each link below opens the specific government or scheme page used for this guide.

Raby & Gledswood Hills

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