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      What is Comcare?

      Comcare is the national workers compensation scheme for Commonwealth and ACT government employees. It also covers a handful of large private companies like Telstra, Commonwealth Bank and Australia Post.

      Your claim includes compensation for lost wages, medical expenses and any other costs related to your injury or illness.

      To find out how much you could receive, speak to one of our Comcare lawyers today. They work exclusively on Commonwealth claims, so they know the ins and outs of this complex national scheme. In a free consultation, you’ll learn what you’re entitled to and how to get the most from your claim.

      If you’re not covered by Comcare, you can make a workers compensation claim under your state scheme.

      Do I have a Comcare claim?

      You must meet 3 criteria to make a Comcare claim:

      1. You have a work-related injury or illness: this includes workplace accidents and long-term issues resulting from your job. For example, you could develop anxiety or depression due to stress at work.
      2. You’re temporarily unable to work: this means your injury prevents you from working as you did before. You might be working fewer hours, on light duties, or have stopped work entirely. If your injuries are permanent, you may also be entitled to a lump sum payment.
      3. You’re covered by Comcare: as mentioned, you must be an employee of the Commonwealth, ACT Government, or certain private companies to be covered by the Comcare Scheme.

      Start your free online claim check

      Find out if you’re eligible for Comcare benefits today.

      Check your claim nowIt only takes 2 minutes.

      What does my claim include?

      You can claim compensation for:

      • Lost income.
      • Medical treatment and rehabilitation.
      • Travel to and from treatment.
      • Household cleaning and other services.

      Your lost income will be calculated based on how much you earned before your injury.

      All other expenses must be approved before they are reimbursed. This means you’ll need to submit a request to Comcare before hiring anyone, buying equipment, or making modifications.

      Denied claims

      Unfortunately, the Comcare scheme is not straightforward, and your claim may be denied for several reasons. This includes:

      • Insufficient evidence: you must supply strong, credible evidence supporting your claim, such as medical reports and expert testimony. Lack of evidence is the most common reason claims are denied.
      • Eligibility: you need to prove that your injury or illness is work-related.
      • Delayed reporting: you need to report your illness or injury to your employer as soon as possible. This ensures you have a clear timeline and proper documentation.
      • Pre-existing conditions: if you have a pre-existing condition, you will only receive compensation if work significantly aggravated or contributed to the condition.
      • Admin issues: it’s important to meet all of Comcare’s requirements, including deadlines, medical tests, rehabilitation programs, and any information they request.

      If your claim has been denied, you’re entitled to challenge Comcare’s decision. You can learn more about this process in our complete guide to challenging denied claims.

      Time limits

      It’s crucial to report your injury to your employer when it happens or as soon as possible afterwards. Delayed reporting can result in your claim being denied. Once your claim is submitted, there are several key time limits to keep in mind:

      • Denied claims: you must request a reconsideration within 30 days.
      • Reviewable decisions: to dispute the new decision after your request for reconsideration, you must apply to the Administrative Appeals Tribunal within 60 days.

      Permanent Impairment

      You may be entitled to an additional lump sum payment if you’re ‘permanently impaired’. This means you’ve suffered permanent damage to a:

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

      The amount of compensation you receive depends on a number of factors, including the severity of your injuries and their impact on your life. To find out whether you’re eligible, check out our comprehensive guide to permanent impairment claims.

      Meet the team

      Our team use their extensive experience to increase your chances of success. We’ve won many awards for our work, including ‘Compensation Law Firm of the Year 2020 GBM Global Awards.’

      Medea Hanna
      Senior Associate
      • English
      • Workers Compensation, Comcare, Dust Disease
      View full bio
      Kathryn Morcos
      Solicitor
      • English
      • Family Provision Claims, Public Liability, Motor Vehicle Accidents
      View full bio
      Nancy Kuan
      Special Counsel
      • English
      • Family Provision Claims, Motor Vehicle Accidents, Public Liability
      View full bio
      Meet more of the team

      How much does a Comcare claim cost?

      • No cost to you: Your claim is covered by our No Win No Fee Guarantee, meaning you pay nothing unless we win.
      • No upfront fees: Unlike other firms, we cover every expense related to your claim, including medical reports and expert evidence.
      • Transparent fees: Get a clear breakdown of our fees before we start work on your claim: no sneaky conditions, no last-minute surprises.
      • 90-day risk-free trial: We offer a 90-day free trial so you can evaluate our work before committing to your claim. If you cancel anytime during this period, there's absolutely nothing to pay.
      Find out more about our fees

      Frequently asked questions

      The companies covered by Comcare are known as licensed ‘self-insurers’. They are private corporations with employees across the country.

      • Asciano Services Pty Ltd
      • Australian Air Express Pty Ltd
      • Australian Postal Corporation
      • BWA Group Services Pty Limited (Bankwest)
      • BIS Industries Ltd
      • Border Express Pty Ltd
      • Cleanaway Operations Pty Ltd
      • Colonial Services Pty Ltd
      • Commonwealth Bank of Australia Ltd
      • Commonwealth Insurance Ltd
      • Commonwealth Securities Ltd
      • CSL Ltd
      • DHL Supply Chain (Australia) Pty Ltd
      • Fleetmaster Services Pty Ltd
      • John Holland Group Pty Ltd
      • John Holland Pty Ltd
      • John Holland Rail Pty Ltd
      • K&S Freighters Pty Ltd
      • Linfox Australia Pty Ltd
      • Linfox Armaguard Pty Ltd
      • National Australia Bank Ltd
      • National Wealth Management Services Ltd
      • Medibank Private Limited
      • Optus Administration Pty Ltd
      • Prosegur Australia Pty Limited
      • Reserve Bank of Australia
      • Ron Finemore Transport Services Pty Ltd
      • StarTrack Express Pty Ltd
      • StarTrack Retail Pty Ltd
      • Telstra Corporation Ltd
      • Thales Australia Limited
      • TNT Australia Pty Ltd
      • Virgin Australia Airlines Pty Ltd
      • Visionstream Pty Ltd

      Once your Comcare claim is approved, you’ll receive weekly payments to cover your lost income. They are based on your earnings before your injury or illness, including any usual overtime and allowances. The amount you receive also depends on the length of time you have been receiving benefits.

      First 45 weeks
      For the first 45 weeks, you will receive 100% of your normal weekly earnings minus any income you are still earning.

      Importantly, the 45 weeks do not have to be consecutive. For example, say you worked 5 days a week before your injury but now require 1 day a week off for medical treatment. Each time you receive treatment only counts as 1 day toward your 45-week total. This means that your ’45 weeks’ is extended, and you could receive 100% of your normal weekly earnings for up to 225 weeks.

      From 45 weeks
      Your payments will vary if you still cannot work at your pre-injury capacity after 45 weeks.

      Per cent of normal weekly hours workedCompensation
      Did not work75% of normal weekly earnings
      25% or less80% of normal weekly earnings minus actual earnings
      More than 25% but not more than 50%85% of normal weekly earnings minus actual earnings
      More than 50% but not more than 75%90% of normal weekly earnings minus actual earnings
      More than 75% but less than 100%95% of normal weekly earnings minus actual earnings
      100%100% of normal weekly earnings minus actual earnings

      Information taken from Comcare, Australian Government, 2021

      After a loved one passes away, you may be able to claim Comcare compensation on their behalf. To do so, you must meet 3 criteria:

      1. You were their dependant: this means you relied on your loved one for financial support before their death.
      2. Their death was work-related: your loved one must have passed away due to an injury or illness caused by work. This could be an accident at work or a condition that developed because of their job.
      3. They were covered by Comcare: your loved one’s employer must have been the Commonwealth or ACT government, or one of the private companies covered by the Comcare scheme.

      If you meet all 3 criteria, you may be eligible for the following:

      • A lump sum payment
      • Fortnightly payments (for children under 16)
      • Fortnightly payments (for full-time students aged 16–25 who are not working)
      • Funeral expenses up to the statutory rate may be covered

      In addition to your Comcare claim, you may have:

      As part of our comprehensive service, we always find your additional claims. This ensures you receive the maximum compensation possible for your injuries.

      To find out what you could receive, speak to one of our expert lawyers today. In a free consultation, we’ll take a detailed look at your policy and outline all your entitlements.

      While you can legally make a Comcare claim on your own, we always suggest speaking to a lawyer first.

      A specialist lawyer will find out if you’re covered under Comcare and give you advice on whether you have a valid claim. Your first consultation is entirely free, and there’s no obligation to continue your claim.

      If you choose to work with us, we’ll put together extensive evidence supporting your case, including medical reports and timelines of your injury. We’ll also use our network of medical experts to challenge any evidence from Comcare.

      At the same time, our team will ensure you meet all of Comcare’s strict deadlines and evidence requirements. This makes your claim more likely to be approved immediately, saving you months of appeals.

      Should your claim be denied, we’ll immediately start on your appeal. Your lawyer will handle all negotiations with Comcare on your behalf. If you filed your original claim without legal help, we strongly suggest consulting a lawyer before starting your appeal. The appeals process involves lengthy negotiations with Comcare lawyers, and without solid legal advice, you may not receive the compensation you deserve.

      On top of your Comcare claim, your lawyer will also find your additional claims. This includes negligence, Total and Permanent Disability (TPD), and any other insurance claims. Often, these are worth substantially more than your Comcare claim alone.

      Contact us today for more information on how we can help win your claim. Our expert Comcare lawyers are always available to discuss your case.

      See more FAQs

      Get free legal advice

      Find out if you have a claim today.

      Start your claim checkMake an enquiryCall 1300 769 665
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      What our clients say

      When you walk through our doors, our top priority is to help you as much as we can. This commitment is shown in over 200 5-star reviews.

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      Today, after only 8 weeks, I got the best news: my claim was successful!

      Today I received the best call of my life. It’s finally here, and I couldn’t be happier! I was referred to Monaco solicitors by my sister in law after sustaining work injuries. From the moment I contacted them the whole process was easy and I was always well informed.

      Google Posted by Cherie Mundkowski
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      Monaco helped me get much more compensation than I expected.

      Monaco Lawyers helped me to receive compensation for an ongoing injury I sustained after I was simply driving home from work and was driven into head on by an incompetent and negligent driver who I believe was texting at the time of the accident.

      Google Posted by Debby McDonald
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      Jamie and her team at Monaco made my tough claim easier to handle.

      My workers compensation claim was a nightmare with secondary injuries being denied, and the insurer trying to deny my claim throughout the process. Jamie and her team from Monaco Solicitors have been brilliant in their professionalism and management of my claim.

      Google Posted by Dan Luff
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      Dealing with workers comp issues? Monaco, especially Jamie and her team, can really help you out.

      I would recommend Monaco to anyone that is on workers compensation & getting screwed by the insurance company. Jamie & her team are very professional & will do everything possible to get you your entitlements in the workers compensation merry-go-round. Give them a call.

      Google Posted by Grant Towell
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      Highly recommended! I am very happy with the result.

      I am very happy with the service I received from Monaco Solicitors in regards to my worker’s compensation claim. Very professional, kept me up to date throughout my claim, with a great result at the end. I highly recommend them for your workers compensation matters.

      Google Posted by Andrew Murcott
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      Thank you for accomplishing so much in such a short time.

      Great communication, empathy and understanding. My case worker Daniella was a saint, understanding and patient and always passing on any updates in record time.

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      Good result! We had a complicated claim but they got the job done.

      My brothers and I had a complicated claim. I found Ben Ralph to be very helpful, himself and Sally Sutton worked hard for just over a year to get through our claim. They achieved a good result and got the monies paid to myself and my brothers.

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      I knew it from the very first phone call: I had found a compassionate law firm.

      Monaco Solicitors, I have no hesitation in recommending Daniella Dababneh and her team. After I suffered a serious workplace accident, I was in need of legal help.

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      They helped me juggle my injury claim and my mum's full-time care.

      I highly recommend Monaco Solicitors. I was claiming PI through my superannuation for workplace injuries. They were doing a no win no fee which was great as I am a carer for my mum and don’t earn much.

      Google Posted by Ellen Smith
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      I was very happy with the outcome.

      I am so grateful for the professional legal representation provided by Monaco Solicitors. Ms Medea Hanna, my solicitor was efficient, knowledgeable, compassionate and she was able to resolve my matter quickly, reaching an outcome I was very happy with.

      Google Posted by Rachel L
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      Leon Monaco & team member

      Why choose Monaco

      For 25 years, we’ve helped injured workers make successful claims. Our lawyers are experts in the Comcare scheme and know the best strategies to secure your maximum compensation. Plus, with Monaco, you can:

      • Level the playing field

        To take on the Comcare system, you need expert lawyers on your side. We’ll handle negotiations and provide specialist advice at every step of your claim.

      • Get your compensation faster

        The Comcare scheme can be unfair to unrepresented claimants, often making unnecessary requests or delaying claims on unjust grounds. With our lawyers on your side, you can avoid these delays and secure your compensation faster.

      Learn more about us

      Speak to one of our friendly lawyers

      Email us 1300 769 665

      Millions won for our clients

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      We have the experience you can count on

      98%
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      8,967
      CLAIMS WON
      $650m
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      Janette’s Story

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      Monaco got a result when other lawyers couldn’t help. “You might not trust your solicitor, but I trust mine.”

      Get free claim advice

      Use our online claim checker to instantly find out if you have a claim. Alternatively, just give us a ring — our expert lawyers are always ready to answer your questions.

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