Are you at risk of missing out on benefits you’re entitled to?
Even if you’ve already lodged your claim for personal injury benefits, you might be entitled to more benefits or a lump sum you don’t know about. If you fail to get the right advice, you risk missing out on benefits or lump sums that can run into hundreds of thousands of dollars.
Here’s how to claim everything you’re entitled to, even if you’ve already lodged your application.
When you lodge your claim, SIRA doesn’t look at it at all – it goes straight to the insurer, who will put you in one of three categories and then decide what to pay you.
You can see the category entitlements to the right.
^WPI = “Whole person impairment”. This is a measurement of the severity of your injuries, and the extent to which they permanently impair you on a scale of 0 – 100%.
The majority of injured motorists are placed in category 1. But if critical details are missed in your application, it’s possible you should be in category 2 or 3. So you can see how you can miss out on benefits and potentially substantial lump sums – these lump sums can be hundreds of thousands of dollars.
If you simply accept the insurer’s decision, you may never know what you’ve missed out on. But insurers’ decisions can be challenged. If any of your injuries have been overlooked or not assessed properly, your classification could be wrong, costing you many thousands of dollars.
For example Pete’s story:
Pete had a knee injury that was assessed by the insurer as minor, putting him in category 1.But his knee injury led to hip and back problems, and he developed psychological issues associated with the accident, so his correct classification should have been 3. This meant he should have received a lump sum payment of over $200,000. But since no-one told him about this, Pete didn’t know he was entitled to a lump sum or how to claim it.
Step 1: Check that your income support payments have been calculated correctly
Step 2: Check that all your eligible treatment, care and medical expenses have been approved
Step 3: Check to see if you’re entitled to a lump sum
You can read more about checking your entitlements and your lump sum eligibility by following the simple step-by-step guides on this site. A lot of the information here can’t be found anywhere else online – it’s certainly not being shared by the insurers!
An experienced CTP solicitor will review your claim and advise you on
what to do – it’s a free service. Or if you prefer, you can request a free claim check using the form on this page and a solicitor will call you back.