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      Can I make a Comcare claim for permanent impairment?

      Quick answer

      If you’re ‘permanently impaired’, you may be eligible for an additional lump sum payment on top of your basic Comcare entitlements. To be considered permanently impaired, you must have suffered irreversible damage to a:

      • Part of your body
      • Bodily system or function, or
      • Part of a bodily system or function.

      Below, we take you through the process of making a permanent impairment claim.

      In depth answer

      To receive an additional lump sum for permanent impairment, you must:

      1. Get your Comcare workers compensation claim approved: this is required before starting a permanent impairment claim.
      2. Wait for your injuries to stabilise: your injuries must reach ‘Maximum Medical Improvement’, meaning they’re unlikely to improve with time or further treatment.
      3. Have your WPI assessed: Comcare assesses your percentage of ‘Whole Person Impairment’ (WPI) once your injuries have stabilised. WPI is a rating system that measures how much permanent damage your injuries have caused. You must usually meet a minimum WPI to receive a lump sum payout.

      How much compensation you can receive

      For most injuries, your WPI must be 10% or more to receive compensation. However, there are two significant exceptions:

      • Hearing loss: only requires 5% WPI.
      • Loss of finger, toe, sense of taste or smell: no minimum WPI.

      To determine your total payout, Comcare also considers your ‘non-economic’ losses. These are the negative effects of the injuries on your life, such as pain, suffering, and loss of opportunity. Your final lump sum payment is based on your WPI percentage and non-economic losses.

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