WorkCover & CTP NSW
Practical help for your claim.
Clear articles for people navigating a workplace injury or motor accident claim in NSW.
WorkCover NSW
For injured workers.
Payments, certificates, treatment, travel, help at home, insurer problems and returning to work.
Claim guideWorkCover recoveryTreatment · function · progress
New to WorkCover? Start here
The first practical steps, what to have ready and how to arrange physiotherapy when approval is unclear.
Payment timelineWeekly paymentsThen week 14+
Weekly payments: the first 13 weeks and what changes next
How PIAWE, work capacity, hours and current certification can affect weekly payments.
Claim documentCapacity certificateWork & activity
Can a physiotherapist issue a Certificate of Capacity?
When a physio may issue a second or subsequent certificate and how functional findings support progression.
Claim guideWorkCover recoveryTreatment · function · progress
Is physiotherapy automatically approved?
The limited early-treatment rule, the AHTR process and what to check before assuming treatment is funded.
Claim expenseTreatment travelTrips · km · receipts
How to claim travel reimbursement
What treatment travel may be claimable and which kilometre records, receipts and approvals to keep.
Support at homeHelp at homeTasks · care · equipment
Home help, personal care and domestic assistance
When help at home may be considered and how a functional assessment can document what you cannot safely do.
Insurer issueInsurer supportReasons · records · review
Problems with the insurer: IRO and legal help
Where to take a delayed decision, payment problem or treatment dispute, and when ILARS may fund legal advice.
Appointment guideFirst appointmentClaim · reports · certificate
Your first WorkCover physiotherapy appointment
A short checklist for claim details, certificates, reports and information about your work.
Recovery pathwayReturn to workDuties · hours · progress
Suitable duties and graded return to work
How temporary duties can reflect current capacity and progress towards usual work.
Physical assessmentFunctional capacityLift · walk · tolerate
Why functional capacity matters
How objective findings can assist rehabilitation, suitable duties and Certificate of Capacity reviews.
CTP NSW
For people injured in a motor accident.
Income support, Certificates of Fitness, treatment approval, expenses and practical recovery guidance.
Claim guideCTP recoveryTreatment · function · progress
New to a NSW CTP claim? Start here
Claim details, early treatment, assessment and requesting further physiotherapy after a motor accident.
Payment timelineIncome supportThen week 14+
CTP income support: the first 13 weeks and after
How pre-crash earnings and earning capacity affect statutory income support.
Claim documentCertificate of FitnessWork & activity
Can a physiotherapist issue a Certificate of Fitness?
When a treating physio may issue a subsequent certificate and when a medical practitioner is required.
Treatment requestTreatment approvalPlan · goals · decision
CTP treatment approval and the AHTR
What the treatment request explains and how long the insurer has to decide.
Claim expenseTreatment travelTrips · km · receipts
Treatment costs and travel expenses
Reasonable and necessary treatment, travel to appointments and records to keep.
Insurer issueInsurer supportReasons · records · review
Having problems with a CTP insurer?
How to raise the issue, contact IRO and find the right legal-assistance pathway.
Motor accident recoveryWhiplash recoveryAssessment · movement · recovery
Whiplash after a motor accident
Assessment, early movement, rehabilitation and warning signs that need medical review.
Recovery pathwayReturn to workDuties · hours · progress
Returning to work after a motor accident
How graded activity and functional rehabilitation can support work and usual activity.
General guidance for NSW claims. Individual entitlements may vary, with links to SIRA, IRO and further advice included where helpful.