To understand why your income support payments stop at 24 months, it’s important to understand that there are two different compensation claims you can make under the CTP scheme:
Personal injury benefits claim: to cover your lost income if you’ve had time off work, and your treatment and care expenses
Lump sum claim: for pain and suffering and income loss.
Personal injury benefits are paid for a maximum of 24 months, however your injuries might still be preventing you from returning to work full time and you may need ongoing support beyond 24 months. If that’s the case, then you’ll need to claim a lump sum.
If you’ve been receiving personal injury benefits for more than six months, then that means your injuries have been assessed as non-minor, and you weren’t the driver at fault in your accident. So you’re entitled to claim a lump sum. But it won’t be paid to you automatically at the end of the 24-month period – you’ll need to lodge a separate claim for your lump sum.
Time limits apply for lodging your claim, and the amount you can claim depends on the extent of your injuries, measured on the “WPI” (whole person impairment) scale. For more information about this, please refer to our article on What you need to know before you lodge a lump sum claim.
Under the new CTP scheme, solicitors can’t charge to help you lodge your claim. However, a solicitor can assist you with lodging your lump sum claim, and the legal costs are generally deducted from your settlement so there’s no cost to you.
It’s highly recommended that you use a solicitor to help you lodge your claim. Lump sum claims can be substantial, but the amount you receive will depend on the supporting evidence you provide with your application, so it’s very important that nothing is missed. For more information on getting help with your claim you can call our free CTP claim advice line.
If your benefits are stopping at 24 months and you still need financial support, you’ll need to lodge a claim for a lump sum.
Time limits apply, so don’t delay.
For more information about this, please refer to our article on what you need to know before you lodge a lump sum claim.