If you haven’t already done so, we recommend you read our article on what you need to know before you lodge your claim for personal injury benefits.
If you’re ready to start your application, this article will explain how to make sure you claim your full entitlements.
You can either lodge your application directly through the SIRA online claim portal, or you can fill out the Application for Personal Injury Benefits form and submit it by email or post. You’ll find the relevant links here.
If you get part way through your application and you’re not sure what to do next, you can call 1800 888 529 for assistance – it’s a free service. Or you can get a free claim check to find out what you’re entitled to.
Fill out your personal details carefully and don’t skip any fields. Your Medicare number can be found on your Medicare card and your reference number is the number next to your name if there are two or more people listed on your card. Once you’ve filled out your personal details, read and sign the declaration.
|Police event number||
|Details of the accident||
|Details of your injuries||
Remember, if your injuries are classified as minor you won’t be entitled to claim a lump sum for future lost wages or pain and suffering and your benefits will be cut off after a maximum of six months. For more information on the definition of a minor injury please refer to our articles on what you need to know before you lodge your application and minor and non-minor injuries explained.
For more information on providing details of your injuries, please read our article on head to toe assessments, and refer to our list of commonly overlooked minor injuries.
The next section of the form is about your health – this is where you attach any invoices, receipts, medical reports and any other evidence of the treatment you’ve received. If you’ve been to hospital you should attach the hospital report, or if not, you should attach a certificate of capacity from your GP.
If you’ve made a thorough list of all your injuries in step 3, you should take this with you to your GP appointment to make sure nothing’s missed. Your GP can also attach more details to your certificate of capacity if they won’t fit on the form.
This is where you provide hospital and ambulance details, if you were taken to hospital.
Next, fill out your employment and income information. The insurer will use this information to calculate your weekly benefits if you have time off work. You’ll be asked to provide 12 months’ pay slips, and the insurer will take an average over the 12 months. Make sure you include your tax file number declaration to avoid being charged a 48% tax rate.
This is where you add details about time off work due to the accident. If you’ve already returned to work you can write down the total time you were off work. If you’re still off work, or expecting future time off work, make a note here. For example: “Four weeks off work so far, expected to be off work for at least another four weeks”.
When you outline your earnings at the time of the accident, remember to include all overtime, regular bonuses and commissions.
Finally, read and sign the declaration at the bottom of the form.
Your application will be reviewed by the insurer, who must tell you within four weeks if they’re accepting or denying the claim. Then the insurer will start making payments to you within 14 days if they accept the claim.
You’ll also need to have your certificate of capacity updated regularly – either every 30 days, or more often if your certificate is valid for less than 30 days.
Make sure your medical assessment is done thoroughly, and be aware of How an incorrect assessment could cost you dearly.
Download our Roadmap for a summary of the claim process and time limits that apply.
Take some time understand What you need to know about checking and disputing insurers’ decisions.