What is workers compensation?
Workers compensation is a scheme that supports people who are injured or become ill because of their work. The name and rules vary by state and territory. In Victoria, it is run through WorkSafe; other states use names such as WorkCover, icare or other state schemes.
If your claim is accepted, the scheme may pay for reasonable treatment related to the injury, including physio, and for part of any lost income.
What to do after a work injury
- Tell your employer about the injury as soon as you can
- See your doctor, and tell them it happened at work. They can provide a certificate of capacity or medical certificate
- Lodge your claim with your employer or insurer, following your state’s process
- Keep records of your symptoms, costs, appointments and who you have spoken to
Seeing a physio on a work claim
Rules vary, but it is usually best to confirm your claim is accepted, or that treatment is approved, before you start. Some schemes pay for early treatment, while others require approval from the insurer. Ask the insurer or case manager how to arrange physio and which providers they work with.
Tell the clinic at booking that you are a workers compensation patient, give them your claim number and your insurer’s details, and ask whether you need to pay up front or whether they bill the insurer.
How physio helps with return to work
A physio works on your recovery and on getting you back to work safely. That can include treatment of the injury, an exercise program, and advice on lifting, posture and pacing. They can also communicate with your doctor, employer and insurer, with your consent, about what you can do at work while you recover.
Suitable duties, such as lighter work or reduced hours, can help many people stay connected to work while they recover. Your doctor and the insurer decide your work capacity.
Questions for the clinic
- Do you treat workers compensation patients in my state?
- Do I need to pay a gap, or do you bill the insurer directly?
- Do you need approval or a referral before the first visit?
- Can you provide progress reports for my doctor and insurer?
- Do you have experience with my type of work and injury?
For back problems from lifting, see our guide to physio for back pain.
If your claim is not accepted
If your claim is declined, ask the insurer why and what your options are, such as a review or dispute process. You can still see a physio privately. See our cost guide for typical fees and rebates, and our Medicare guide for other funding.
This is general information
Workers compensation rules differ between states and change over time. For advice on your own claim, speak to your insurer, your doctor, your union or a community legal centre.
Common questions
Do I pay up front for physio on a workers compensation claim?
It depends on the scheme and the clinic. Some bill the insurer, while others ask you to pay and claim back. Ask when you book.
Can I choose my own physio on a work claim?
Often yes, but some insurers have rules or preferred providers. Check with your insurer or case manager.
What if my claim is declined?
You can ask why and what review options exist, and you can still see a physio privately.
Injured at work? Find a physio and ask about workers compensation when you call.
This guide is general information, not medical advice. Talk to your doctor or physio about your own situation.
More guides
Physio for back pain: when to see one
When a physio can help your back and what treatment usually involves.
Read the guideHow much does a physio cost in Australia?
Typical fees, what changes the price, and ways to pay less.
Read the guideDo you need a referral to see a physio?
When you can book directly and when a referral helps.
Read the guideReady to book?
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