I have received a Notice of Assessment at the end of my workers' comp claim and it talks about Lump Sum Offers - what do I do?
At the end of your workers' compensation claim, Workcover Queensland or the self-insurer may issue you with a Notice of Assessment.
This document will set out your work injuries and accord a percentage impairment for each injury.
If your impairment for an injury is rated at more than 0%, then you will be accorded a correlating monetary amount being the statutory compensation amount for the injury.
How do they calculate compensation amounts from my injuries?
The statutory compensation accorded to each injury is taken from tables of injuries and calculations stipulated in the Workers' Compensation & Rehabilitation Act 2003 and associated Regulations.
These amounts for each injury will be added up and totalled in the Notice and you will be given what is termed a Statutory Lump Sum Offer for that total amount.
Note however that the statutory compensation amounts for physical injuries, will not be added together with those for any psychiatric injuries listed in your Notice of Assessment as these are totalled separately.
Your Notice of Assessment will also stipulate the total permanent impairment for your injuries
This is what we call your Work Related Impairment ('WRI'), or for injuries occurring after 15 October 2013, the Degree of Permanent Impairment ('DPI').
If your total WRI or DPI is equal to or more than 20%, then you can take the Statutory Lump Sum Offer contained in the Notice of Assessment (for the injuries that equate to 20% or more only), and you can still bring a Common Law Claim for damages for your work injury.
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If you have been injured as a result of any vehicle such as car, bike or boat accident, or whilst at work, on holiday, or in many other situations you believe was caused by someone else's wrongful act or negligence, you may be entitled to compensation.
Even if you think your actions may have contributed to your injury, you may still have a claim well-worth pursuing.
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What if your total Work Related Impairment/Degree Of Permanent Impairment is less than 20%?
However, if your total WRI/DPI is less than 20%, then you cannot take the Statutory Lump Sum Offer and pursue a Common Law Claim - you have to make a choice as to what you wish to do, that is, take the Lump Sum Offer or sue for damages.
If you take the Lump Sum Offer, then you lose any right to seek damages for your injuries.
You will only retain this right if you reject or defer the Lump Sum Offer and the decision to take the offer, once made, is irrevocable and cannot be reversed.
physical and psychiatric injuries are not added together
You should also be aware that if you have both physical and psychiatric injuries listed in your Notice of Assessment, the WRI/DPI for these injuries are not added together when calculating the total WRI/DPI.
They are taken separately.
For example, if you receive a total 10% WRI/DPI for your physical injuries and a 10% WRI/DPI for your psychiatric injury, this does not mean you have a 20% WRI/DPI and you can take the offer and still sue.
You cannot, you can either take the offers made or sue, but you cannot do both.
What happens where you receive a Notice of Assessment with different percentages for physical & psychiatric injuries?
In the case where you receive a Notice of Assessment stating that your total WRI/DPI for your physical injuries is 10% and your WRI/DPI for your psychiatric injuries is 20% or more, then you cannot take the offer for your physical injuries and still sue for those injuries.
However you can take the offer for your psychiatric injuries and still sue for your psychiatric injuries.
So if you wished to pursue a law suit against your employer for all your injuries, you would need to reject the offer for your physical injuries, and you could accept the offer for your psychiatric injuries and still sue for all your injuries.
And the vice versa is true in the case where your physical injuries total a WRI/DPI of 20% or more but your psychiatric injuries only total a DPI/WRI of 10%, then you can take the offer for your physical injuries and still sue, but you cannot take the offer for your psychiatric injuries and sue for your psychiatric injuries.
How do I bring a Common Law Claim for all my injuries?
To bring a Common Law Claim for all your injuries you would need to reject the offer for your psychiatric injuries and you could accept the offer for your physical injuries.
And in the case where you receive 20% or more for both your physical injuries and your psychiatric injuries, then you can accept both and still bring a Common Law claim for all your injuries.
Queensland Has Some restrictions to bringing a Common Law Claim for Damages for your work injury.
For any work injury occurring during the period commencing from 15 October 2013 to 30 January 2015, a worker must achieve a DPI of 6% for their physical or psychological/psychiatric injury sustained at work.
Once again, the DPI for the physical injury and any psychological injury occurring from a work event cannot be added together to achieve this 6% DPI threshold.
Read more information as to what steps you must take if you do not achieve a WRI/DPI of 6% and wish to pursue a Common Law Claim.
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Even if you think your actions may have contributed to your injury, you may still have a claim well-worth pursuing don't be afraid to chat, call, email, or let us assess your claim, there is no cost, and no obligation.