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WorkCover Payout Calculator for Work Injury Damages

Use our fast and free WorkCover payout calculator to estimate your work injury damage claim. Knowing how much compensation you can get for a workplace injury helps you decide if it's worthwhile taking legal action.

Calculate worker compensation settlements for all types of workplace accidents and illnesses, including physical damages and psychological injuries like stress, anxiety, depression, and PTSD.

Disclaimer: Online injury payout calculations are a guide. Contact our partner law firm – Splatt Lawyers, for a free, accurate valuation on 1800 700 125.

All Australian employers must have workers’ compensation insurance to protect the financial interests of their staff when someone has a physical or mental work injury (or is injured during work-related activities). Hence, if you have a workplace injury, you could make a WorkCover insurance claim seeking compensation for your loss. 

However, calculating a workers’ compensation or WorkCover payout is difficult because there are many factors to consider. That’s when it’s helpful to use a work injury damages calculator.

Using our online compensation tool is straightforward and fast, delivering an approximate value of your potential claim entitlements. Start now to learn how much you could claim damages for a workplace injury.

Do you have a valid claim? Find out fast with our free online claim check >

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What is a WorkCover Injury Damages Calculator?

A WorkCover injury damages calculator is a helpful tool for employees that delivers an approximate claim valuation when they have experienced a work-related injury or illness.


Why Use a Work Injury Calculator?

Using a work injury calculator can help you know the possible settlement you might achieve for a successful work injury damages claim, including variables like permanent impairment, pain and suffering, and emotional trauma.

Our work injury damages claim calculator considers factors like:

  • The nature of your injuries and their severity
  • Lost wages and superannuation
  • Medical treatment and rehabilitation costs
  • Your pain and suffering
  • Lost quality of life

We understand it can be stressful when claiming compensation for a work-related loss. Still, by calculating a WorkCover claim payout, you better understand your legal entitlements, helping you make an informed decision about your next steps.


How Does a WorkCover Payout Calculator Work?

Using a WorkCover Payout calculator is a quick and straightforward method of understanding the compensation entitlements for an Australian work-related mental or physical injury or illness. Here are the seven steps and the essential information required to get a fast estimate:

  1. The Australian state where you were harmed.
  2. Current work status and income
  3. Your type of work accident
  4. Approximate incident date
  5. The approximate accident date
  6. Your injury type (one or multiple physical, psychological or terminal)
  7. Severity level: mild, moderate, severe, long-term or permanent
  8. Your estimated recovery time (or already recovered)

Following these steps, our personal injury calculator for WorkCover damages helps you understand your possible compensation benefits and the value of your lump sum payout.

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How Much Compensation for a Workplace Injury?

Calculating the value of your work injury compensation relies on the severity of harm and its impact on your life, particularly your ability to earn an income in your current occupation.

For instance, if you work as a bricklayer and break your leg, it will affect your ability to do your job much more than working in an office and sitting at a desk all day.

These are the steps for considering the value of a work claim

  1. Do you have one or more physical injuries?
  2. What is the associated psychological impact?
  3. Are your injuries minor, moderate or severe?
  4. Do you have both a mental health disorder and a physical injury?

How much the above disrupts your daily life is a primary consideration, along with the following:

  • How long do you need off work for recovery
  • What is your current annual wage
  • Your age (how many more years could you work)
  • Is your damage permanent or long-term
  • The cost of extra home care
  • How much physiotherapy, rehab, and medical care are necessary for recovery


Thankfully, we make estimating your personal injury claim easy. Use our online calculator now to find out how much financial support you might receive.

Types of Injuries Covered by Workers’ Compensation Payouts

Workers’ compensation is a kind of insurance cover that financially protects Australian employers from work accidents and offers financial support & medical care for injured employees.

This type of insurance covers many injuries, including physical harm like cuts and fractures, soft tissue injuries like whiplash, psychological damage like depression and occupational illness like silicosis. Furthermore, new injuries and worsening of an existing medical condition qualify for compensation.

Before making a WorkCover claim, knowing the scope of workers’ compensation cover, including the common types of claimable damage, would be helpful.

Who Pays My Work Injury Compensation Payout?

Who funds my payout? This might be a question you ask yourself when lodging an insurance claim for an illness or accident at work. Thankfully, each Australian state has a workers’ compensation insurance scheme that oversees handling work injury claims for their residents.

So, no matter who was at fault for your work-related injury, you may rest easy knowing a WorkCover insurance company is responsible for funding your damages.


Calculate My Workplace Personal Injury Claim Now

Most Australians with legitimate workplace personal injury claims want to calculate their loss to estimate their damages settlement. Fortunately, our handy calculator works for any work accident or illness, including:

Generally, there is no need to prove who was to blame to have a successful workers’ compensation claim; however, you must prove liability to win a common law work injury payout.

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Psychological Injury Calculator

Our psychological injury calculator helps when your job escalates an existing psychiatric condition or triggers a new mental illness. If this is your situation, please know that you are not alone. In Australia, mental health claims are rising at a rapid rate. Find out now how much compensation you deserve if any of the following happens:

  • Workplace stress
  • Work-related anxiety and depression
  • Post-traumatic stress disorder
  • Discrimination
  • Unfair management behaviour
  • Any other undesirable, psychologically damaging work behaviours

Understand that each case is unique, and your compensation for a successful personal injury claim will depend on your circumstances. Use our work injury payout calculator now to see what yours may be worth, or call for immediate legal support. It free to start – 1300 873 252


Whole Person Permanent Impairment Calculator

When you have a permanent work injury or disability in Australia (also known as a permanent impairment), you could claim a once-off permanent impairment payout, which will be a predetermined figure specified by your state legislation (in most cases)

Depending on the severity of your physical and psychological injuries, a medical assessor will assign you a permanent impairment rating, which determines how much you receive. This process is called a whole-person impairment assessment.

Additionally, if you qualify for a permanent impairment payout, you can likely claim common law damages, typically for more significant sums. In this case, you will need professional legal advice, so contact Splatt Lawyers now – it’s free to know your rights. Call 1800 700 125

Soft tissue injuries include damage to muscles, tendons, and ligaments due to repetitive actions, overexertion, or sudden force (blunt force trauma). Additionally, skin injuries and scarring and considered soft tissue injuries.

Scarring injuries can be mild or severe and include burns to one or multiple body areas parts with pain, & temporary or permanent disfigurement. In such cases, workers could be entitled to significant compensation for their loss of quality of life, mental anguish, and other damages.

Australian workers’ compensation covers a range of common psychological or psychiatric conditions 

like depression, bipolar disorder, post-traumatic stress disorder (PTSD), and adjustment disorder.

Various undesirable work behaviours like bullying, harassment, discrimination, unfair treatment and unfair dismissal can cause workplace mental health conditions. Furthermore, if you have an existing mental illness worsened by your job, you could also have a valid case.

Common Australian physical workplace injuries include cuts and bruises, sprains and strains, fractures, burns, and head, neck and back injuries. These injuries could be moderate, mild or severe, with the compensation payout adjusted accordingly.

Generally, you must first have a medical assessment to know what your compensation is worth. Once approved, workers may receive funds for treatment expenses, weekly payments for lost income, and rehabilitation costs.

Minor injuries require less medical treatment with a shorter recovery time. Examples of minor harm covered by WorkCover include hand injuries, mild cuts and abrasions and minor sprains.

Moderate injuries have an increased impact on an injured employee’s health, well-being, and financial stability. Typically, these injuries require medical treatment but are neither life-threatening nor permanently incapacitating.

Examples of moderate injuries include fractures, medium burns, head injuries with temporary loss of consciousness, moderate sprains and strains, and minor cuts or lacerations requiring stitches. If you have this level of damage, please document your harm and see a medical professional for an assessment.

Because the number of years you have left to work could affect the size of your lump sum payment, a permanent injury significantly impacts the value of a workers’ compensation claim. Generally, permanent damage is any physical or psychological injury resulting in long-term harm or disability that prevents you from working.

Broken bones, limb loss, head trauma, brain damage, spinal cord injury, and any other harm that impairs your vision, hearing, mobility, or capacity for work could result in a higher whole person impairment rating. Psychological injuries qualifying as permanent damage include PTSD and other long-term mental illnesses.

What Types of Losses Does a Workplace Injury Claim Cover?

Calculating the financial losses from a workplace injury considers various factors like medical expenses, lost wages, lost superannuation, rehabilitation costs, and other related costs. Additionally, Australian companies must provide workers’ compensation benefits to staff who become ill or injured due to their line of work.

A workers’ compensation calculator or WorkCover calculator can help damaged employees estimate their entitlements. Knowing the actual value of financial losses is crucial to ensuring that injured people receive their deserved compensation.

Out-of-pocket expenses are injury-related expenditures that can substantially burden an injured person who can’t work. These costs include treatment-related travel, rehab and physio sessions, and doctor, GP or specialist appointments.

Other related medical costs include ambulance fees, hospital admission, surgery and any medical aids required for recovery. 

Fortunately, WorkCover insurers and insurance companies cover out-of-pocket expenses and medical costs related to workplace accidents. To claim these fees, please retain copies of your treatment records and receipts for reimbursement.

When you have a successful workers’ compensation claim, you could receive payment in different forms, including recurring weekly compensation payments that replace lost wages or a once-off lump sum payout as a final settlement.

Generally, to receive a lump sum payment, you would make a permanent impairment claim at the end of your WorkCover case and a common law claim (suing your employer for damages). If you are considering pursuing this type of legal matter, you must work with the assistance of a skilled compensation lawyer. The steps you take now will significantly impact your outcome.

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How Personal Injury Lawyers Help with Pain and Suffering Compensation

Getting injured on the job can be a traumatic experience that severely disrupts your life, causing significant loss of wages, super, medical expenses and others. When calculating your compensation payout, it is best to work with the assistance of expert personal injury lawyers experienced in WorkCover and work injury cases. 

A skilled compensation solicitor will find your best path forward through the complex and challenging workers’ compensation scheme to your best outcome. 

Choosing our sponsor – Splatt Lawyers, for your work-related personal injury claim means accessing comprehensive legal services funded on a 100% No Win, No Fee basis. Pay nothing to start; pay when you win and zero if you lose. Call now for your free case assessment at 1800 700 125.