Guide for Self-Insurer: Essential Information

WorkCover Queensland collaborates closely with self-insurers to ensure the safety, productivity, and well-being of workers, maintaining a fair and balanced workers’ compensation scheme for both employees and businesses.

As the administrator of the Workers’ Compensation and Rehabilitation Act 2003, our comprehensive role includes:

  • Regulating Queensland’s workers’ compensation scheme.
  • Facilitating legal and medical dispute resolutions.
  • Educating and promoting awareness of Queensland’s workers’ compensation scheme.
  • Administering grants and providing rehabilitation advisory services.
  • Conducting workplace rehabilitation and return-to-work accreditation activities.

Utilizing a risk-based approach, WorkCover Queensland employs the Self-insurer performance and compliance framework (PDF, 0.72 MB), outlining:

  • How we monitor your performance.
  • The standards of service that must be achieved.
  • Your legislative and license conditions.

Our collaborative efforts are geared towards working with you to effectively identify and mitigate risks. We will work with you towards identifying and reducing risks.

You should also be aware of the Workers’ Compensation and Rehabilitation Act 2003 Compliance and Enforcement Policy (PDF, 0.57 MB).

Legislative and administrative requirements

The following documents will guide you through the legislative and administrative requirements for self-insurers.

Work health and safety performance assessments

  • Self-insurance guidance – WHS performance reporting arrangements (PDF, 0.65 MB)
    A guide on the legislative requirements, work health and safety performance standards and reporting required when applying for self-insurance or renewing your licence.
  • Self-insurance guidance – WHS auditor appointment procedures (PDF, 0.76 MB)
    OIR accredits work health and safety auditors (self-insurance) for work health and safety performance reporting. This document explains the administrative procedures and appointment conditions that must be met for this accreditation.

Key standards and guidelines

The following documents contain important information and guidelines for self-insurers:

Licence renewal

Use these forms to renew and adjust your self-insurer licence.

For single employers

For group employers

Determining the period of a self-insurance license involves an initial grant for two years, with the option for renewal up to four years based on performance, while poor performance may result in a reduced period. The assessment of your performance encompasses various factors:

  • Suitability for holding a license.
  • Data performance compared to the scheme and industry.
  • Financial position evaluation.
  • Findings from claims audit reports.
  • Compliance with license conditions.
  • Occupational health and safety performance.
  • Quality of provided data.
  • Resources and systems availability for claims and rehabilitation management.
  • Accreditation of a return-to-work program.
  • Timeliness of annual levy payments.
  • Maintenance of policies and coverage for re-insurance.
  • Capability to complete claims liability assessments by approved actuaries.
  • Complaint management and responsiveness.

Appeal rights for license-related decisions, such as annual levy calculation or license issuance, renewal, or cancellation, can be pursued in a District or Supreme Court. Additionally, workers and employers within the Queensland workers’ compensation scheme have review and appeal options for claims. Workers can seek help from the Workers’ Compensation Information and Advisory Service or Workers’ Psychological Support Service.

As a self-insurer, mandatory fees include a non-refundable application fee to Workers’ Compensation Regulatory Services, annual levies, and fees to the Office of Industrial Relations for the Work Health and Safety (WHS) performance report. Application and accreditation fees apply for those applying to become a WHS auditor (self-insurance). The full breakdown of fees is outlined in the Workers’ Compensation and Rehabilitation Regulation 2014 and the Work Health and Safety Regulation 2011.

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