top of page
Resources
Guides & Articles
Practical information on superannuation, WorkCover, insurance, and step-by-step tutorials to help you navigate the systems that matter.


Understanding Time Limits for Workers Compensation and Personal Injury Claims in Australia
When you suffer an injury, one of the most important things to understand is that strict time limits apply to many compensation claims across Australia. Missing a limitation period can significantly affect your ability to pursue compensation, regardless of how strong your case may be. Because every state and territory operates under different legislation, the time available to lodge a claim can vary considerably depending on the type of injury and where the incident occurred.

Bananas
1 day ago4 min read


Understanding Workers Compensation Claims in Victoria
Workers compensation claims in Victoria are an essential safety net for employees. They help protect you if you get injured at work. The system is primarily governed by the Workplace Injury Rehabilitation and Compensation Act 2013 (VIC). The Role of WorkSafe Victoria The Victorian workers compensation system operates mainly through WorkSafe Victoria. This agency ensures that workers receive the support they need when facing workplace injuries. The system is often referred to

Bananas
May 73 min read


New South Wales (NSW) Workers Compensation and Psychological Injury Claims Guide
Workers compensation claims in New South Wales are primarily governed by the: Workers Compensation Act 1987 (NSW) Workplace Injury Management and Workers Compensation Act 1998 (NSW) The NSW workers compensation system primarily operates through: icare NSW self-insurers operating under NSW legislation Disputes are commonly handled through: Personal Injury Commission (PIC) State Insurance Regulatory Authority (SIRA) The NSW workers compensation system places strong emphasis on:

Bananas
May 73 min read


Western Australia (WA) Workers Compensation and Psychological Injury Claims Guide
Understanding Western Australia (WA) Workers Compensation Jurisdiction Workers compensation claims in Western Australia are generally governed by the: Workers Compensation and Injury Management Act 2023 (WA) The Western Australian workers compensation system primarily operates through: WorkCover WA self-insurers operating under WA legislation Disputes are commonly handled through: WorkCover WA Conciliation and Arbitration Services The WA workers compensation system places str

Bananas
May 74 min read


South Australia (SA) Workers Compensation and Psychological Injury Claims Guide
Workers compensation claims in South Australia are generally governed by the: Return to Work Act 2014 (SA) The South Australian workers compensation system primarily operates through: ReturnToWorkSA Disputes commonly proceed through the: South Australian Employment Tribunal (SAET) The South Australian system places strong emphasis on: rehabilitation return-to-work participation work capacity assessments medical evidence recovery and injury management The SA system is known fo

Bananas
May 73 min read


Tasmania (TAS) Workers Compensation and Psychological Injury Claims Guide
Workers compensation claims in Tasmania are generally governed by the: Workers Rehabilitation and Compensation Act 1988 (TAS) The Tasmanian workers compensation system primarily operates through: WorkCover Tasmania licensed insurers operating under Tasmanian legislation The Tasmanian system focuses on: rehabilitation return-to-work participation medical evidence work capacity assessments injury management Because Tasmania has a smaller workforce and regional population centre

Bananas
May 72 min read


Australian Capital Territory (ACT) Workers Compensation and Psychological Injury Claims Guide
Workers compensation claims in the Australian Capital Territory are generally governed by the: Workers Compensation Act 1951 (ACT) Unlike some other Australian jurisdictions, the ACT workers compensation system commonly operates through: private insurers ACT Government employment arrangements self-insured government entities The ACT system places strong emphasis on: rehabilitation return-to-work planning medical evidence ongoing work capacity assessments Because Canberra has

Bananas
May 73 min read


Northern Territory (NT) Workers Compensation and Psychological Injury Claims Guide
Workers compensation claims in the Northern Territory are generally governed by the: Return to Work Act 1986 (NT) The Northern Territory workers compensation system primarily operates through: NT WorkSafe licensed insurers operating under NT legislation Unlike some larger eastern states, the Northern Territory system often deals with unique workplace conditions involving: remote employment mining operations transport and logistics regional and isolated work environments The N

Bananas
May 73 min read


Commonwealth / Comcare Psychological Injury Claims Guide
Some Australian workers are covered by the Commonwealth workers compensation scheme rather than a state or territory workers compensation system. These claims are generally governed by the: Safety, Rehabilitation and Compensation Act 1988 (Cth) The Commonwealth scheme is primarily administered through Comcare, although some Commonwealth agencies and licensed self-insurers manage claims internally under Comcare legislation. Unlike state-based workers compensation systems, Comc

Bananas
May 73 min read


Simplified Theoretical 5-Year Compensation Model of Worker Earning $100,000 Per Year pre-injury with each state’s weekly payment
Simplified Theoretical 5-Year Compensation Model Worker Earning $100,000 Per Year Workers compensation schemes differ significantly across Australia. A person can suffer a workplace injury, but the amount of compensation they may be entitled to can depend heavily on which state, territory, or Commonwealth jurisdiction their claim falls under. In other words, the same injured worker earning the same income may receive different levels of support depending on the workers compen

Bananas
May 72 min read


Behind Every WorkCover Claim: The Legal Team Working for You
When you contact a law firm about a WorkCover claim, you’ll usually speak with one lawyer who becomes your main point of contact. But what many people don’t realise is this: Behind that one lawyer is a coordinated legal team working together to support your claim and help achieve the best possible outcome. Your Lawyer: Your Guide Through the Process Your primary lawyer is the person who: Provides clear advice about your rights Communicates with insurers and employers Builds a

Bananas
May 52 min read


What Happens If Your Employer Has No Suitable Duties? A State-by-State Guide Across Australia
When a worker is injured and cannot return to their normal role straight away, one of the most common questions is: what happens if the employer says there are no suitable duties available? Many workers assume that means the claim is over, payments stop, or there is nothing else that can be done. In reality, that is not automatically the case. Across Australia, most workers’ compensation systems require employers to genuinely consider modified duties, reduced hours, alternati

Bananas
Apr 292 min read


Understanding the South Australia Return to Work Act 2014: What Injured Workers Need to Know
When a workplace injury happens, many workers feel overwhelmed, uncertain, and financially stressed. In South Australia, the Return to Work Act 2014 was introduced to provide a structured system focused on recovery, rehabilitation, income support, and helping injured workers safely return to employment where possible. What Is the Return to Work Act 2014? The Return to Work Act 2014 (SA) is the key legislation governing workers compensation in South Australia. It replaced the

Bananas
Apr 292 min read


What Is a Return to Work Program? A Guide for NSW Workers and Employers
When a worker is injured or becomes ill because of work, one of the most important parts of recovery is having a clear pathway back into safe and suitable employment. That is where a Return to Work (RTW) program comes in. A Return to Work program is a formal workplace policy that outlines how an employer will manage work-related injuries or illnesses, support injured workers, and assist them in recovering at work where possible. It reflects an employer’s commitment to health,

Bananas
Apr 292 min read


Return to Work Programs in Australia: How They Work and Why They Differ by State and Territory
Return to work programs are a core feature of Australian workers’ compensation systems, but there is no single national model. Each state and territory has its own legislation, terminology, employer obligations, and scheme structure, so a compliant program must be tailored to the relevant jurisdiction. The practical result is that an employer’s “return to work” process in New South Wales is not the same as in Queensland, Victoria, or Western Australia.[1][2][3] What is a retu

Bananas
Apr 295 min read


Can I Claim Compensation for a Psychological Injury at Work?
Psychological injuries in the workplace are real, serious, and increasingly recognised across Australia’s workers’ compensation systems. If work has caused or significantly contributed to anxiety, depression, PTSD, stress-related illness, burnout, bullying trauma, or other mental health conditions, you may be able to claim compensation. Many workers wrongly believe only physical injuries are covered. That is not true. Psychological injuries can be compensable when they arise

Bananas
Apr 292 min read


Free Guidance for Injured Construction Workers
# Free Guidance for Injured Construction Workers Australia-Wide A workplace injury, illness, psychological injury, or loss of work capacity can turn life upside down — especially when you are unsure what support may be available or what steps to take next. Bananas provides free initial guidance to help injured construction workers across Australia better understand the support pathways that may be available after a workplace injury, psychological injury, illness, or income lo

Bananas
Apr 263 min read


Workers Compensation Claims Explained: A Clear Step-by-Step Guide for Australian Construction Workers
Understanding Physical and Psychological Injuries in New South Wales When you are injured at work, whether physically or psychologically, the process can feel overwhelming. You may be dealing with pain, stress, reduced income, treatment decisions, and uncertainty about what happens next. This guide breaks the process into practical steps. You will understand what to do, what the insurer may look for, and how to reduce the risk of delay or dispute. This is general information

Bananas
Apr 265 min read


Understanding Superannuation TPD Claims: A Detailed Step-by-Step Guide
Many workers don’t realise they may already hold insurance through their superannuation fund. In fact, most industry super funds automatically include Total & Permanent Disability (TPD) cover unless you’ve opted out. If injury or illness prevents you from returning to work long term, a TPD claim may provide a lump sum payment — separate from WorkCover. Here’s how the process works. What Is TPD Insurance? Total & Permanent Disability (TPD) insurance pays a lump sum if you are

Bananas
Apr 263 min read


Can WorkCover Stop My Payments?
For many injured workers, weekly compensation payments are what keep the mortgage paid, groceries in the house, and life stable while recovering. So when payments are reduced, suspended, or stopped, it can feel like the ground has disappeared beneath you. The short answer is yes, WorkCover payments can be stopped — but only under specific legal circumstances, and there are usually rights to challenge the decision. Across Australia, each state and territory has its own workers

Bananas
Apr 251 min read
bottom of page