Table 3.9: Employer excess

	NSW	Vic	Qld	WA	SA	Tas	NT	ACT	C’wealth Comcare	C’wealth Seacare	C’wealth DVA	New Zealand
Excess	Yes — s160 (Workers Compensation Act 1987).	Yes — s72	Yes — s65	N/A	Yes — s34 (transportation) and s64 (income support).	N/A	Yes — s56	N/A	N/A	Not prescribed in legislation but may be negotiated between employer and insurer.	N/A	Yes — s98
Period of incapacity	One week’s weekly compensation up to a maximum amount prescribed in the Market Practice and Premium Guidelines.	First 10 days	The lesser of: 100% of Qld full-time adult’s ordinary time earnings (QOTE), or the injured worker’s weekly compensation rate.	N/A	First 2 weeks of the period of incapacity per worker per calendar year.	N/A	Any part day lost on day of injury	If the employer does not provide an injury notice to the insurer notice within 48 hours, the employer is liable for weekly compensation payments from the date of injury until the employer gives the insurer the injury notice - s93(2) and s95(2).	Any part day lost on day of injury.	N/A	N/A	First week
Cost of benefits	N/A	First $824 of medical costs	QOTE (max)	N/A	Differs depending upon cost of 2 weeks income support for worker.	N/A	N/A	As above	N/A	N/A	N/A	N/A
Buyout option	Excess is waived if the claim is reported to an insurer within 5 calendar days of the employer becoming aware of the injury.	Yes - employers can waive claims excess by paying an additional 10% on their premium	N/A	N/A	See s 64(14)	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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