Construction ForumSharon StratfordManager, Corporate Relations and Engagement16 July 2019

WELCOME

• Introduction to WCQ• Benefits of RTW

• Mates in Construction• Industry Panel • Networking and lunch• WHSQ prevention• Common Law • Feedback/close

Construction Forum: IntroductionMelanie StojanovicExecutive Small and New Business16 July 2019

WELCOME

• About us• Construction industry• Your policy• Who to cover• Future direction

WORKING TOGETHER

Minister for Industrial Relations

Develops legislation for workers’ compensation,

work health and safety and electrical safety.

WorkCover Queensland

Provides and manages workers’ compensation insurance

for Queensland employers and workers.

Office of Industrial Relations

Workplace Health and Safety Queensland

Workers’ Compensation ServicesThe Electrical Safety Office

5

WORKCOVER ECOSYSTEM

An ecosystem demonstrates the relationships and roles that determine the quality of all customer interactions.

All parties actions benefit each other in the system.

INJURY TRENDS CONSTRUCTION 2018/19

YOURPOLICY

$1.20

$1.27

$1.40

$1.65

$1.65

$2.08

$1.06

QLD

VIC

NSW

WA

SA

TAS

COMCARE

AVERAGE PREMIUM RATE PER $100 IN WAGES*

*As at 5.07.2019

SUSTAINABLE PREMIUMS

You reap the benefits of improving workplace health and safety sooner, with only claims costs from the previous financial year influencing your policy rating.

• Your premium is calculated using a simplified premium model, based on a claims performance rating

• To help protect you from large variances in premium, if your policy rating changes, it can only increase (or decrease) by one policy rating per year

• First $500 in claims costs is excluded.

UNDERSTANDING YOUR PREMIUM (<$1.5M Wages)

Rating category

Premiumrate

1 80% of industry rate

2 90% of industry rate

3 100% of industry rate

4 110% of industry rate

5 120% of industry rate

• Your premium is calculated using an Experience Based Rating formula.

• Your performance is your claims cost experience and your business size relative to your industry (determined by wages).

Premium

Performance

Wages

Industry rate

UNDERSTANDING YOUR PREMIUM (>$1.5M Wages)

Your performance is the greatest factor you can control to reduce your premium. The shorter the claim, the lower the claim costs, which means less impact on your premium.

Save money with the apprentice discount.We remove apprentice wages from your premium.

APPRENTICE DISCOUNT

• Your policy covers any worker you employ

• Our definition of a worker aligns with ATO

• A person who performs the same work in the same way as an employee is likely to be a worker

• Even where a person calls themselves a 'sub-contractor', has their own ABN and is responsible for their own tax, if you engage them for work, they may be considered a worker under the Act.

WHO IS A WORKER?

A person who works under a ‘contract of service’ is a worker.

It is a standard employer and employee relationship.

WHAT PAYMENTS DO IDECLARE AS WAGES?

1. GROSS PAYG SALARY AND WAGE PAYMENTS

Declare as wages.

• Employers need to declare how much they paid their workers from 1 July 2018 until 30 June 2019.

• This amount should include all wages, salary payments or other earnings.

• It's important to ensure the gross amount is declared.

2. SUPERANNUATIONDeclare as wages.

• All superannuation contributions made by an employer on behalf of a worker are to be declared as wages.

• This includes payments made under the Compulsory Superannuation Guarantee Levy, payments an employer makes in addition to this amount, and payments need to declare how much they paid their workers from 1 July 2018 until 30 June 2019.

3. DIRECTOR, TRUSTEE, OR PARTNER PAYMENTS

Do not declare as wages.

• Directors, Trustees, or Partners are not covered by your Accident Insurance Policy, as they are not considered to be a 'worker'.

• Therefore any payments made to them are not to be declared as wages - even if the person is actively working for the business.

4. APPRENTICE WAGES AND DISCOUNT

Declare as wages.

• Employers need to declare all wages paid to apprentices.

• Employers who declare apprentice wages will be eligible to claim a premium discount if they renew their policy online or over the phone.

Claim a premium discount.

• Employers are eligible to claim a discount on their premium for the wages paid to apprentices during the course of their apprenticeship.

• Note, this discount does not apply to trainees.

5. OTHER KEY WAGE ITEMS

Fringe benefits and other entitlements having a

monetary value.

Declare as wages.

Payments to contractors who are deemed to be

workers*.

Declare as wages.

Allowances or expenses reimbursed for work related expenses.

Do not declare as wages.

Lump sum termination payments.

Do not declare as wages.

Claims excess period payments.

Do not declare as wages.

Compensation payments reimbursed by WorkCover

Do not declare as wages.

IMPORTANT RENEWAL DATES

Wage declarations due.Certain discounts

and payment options not

available if wages not declared by

this date.

Renewal period commences.Wages can be

declared online, over the phone, or via mail from

this date.

Early premium payment due.Receive a 5%

discount on your premium if wages were declared on time and you pay in full by this date.

Full premium payment due.

Premium must be paid in full by this

date (unless paying via interest-free

monthly payment plan option).

WORKCOVER CONNECT

The essential online service helping businesses cover and care for their workers.

• Renew policy, pay premium and get certificate of currency.

• Manage claims, contacts, tasks and appointments in one place, securely online 24/7.

• Create and share reports and dashboards to analyse claims, identify patterns and target areas.

TOWARDS 2022

Build understanding Identify the right care Support recovery

Gather information. Understand our customers.

Understand the best path.Identify the best ways to help.

Support at the right time.The best possible outcomes.

Our aim is to get the best outcome for everyone.

TAILORED CARE AND SUPPORT

NEW STRATEGIES

• Provide a stable technology base that supports current business operations and is ready for adoption of emerging opportunities

• Implement recommendations for the Five Year Review including legislative and administrative changes

• Redesign our customer channels including the website and contact centre platform to achieve better alignment to our customers’ needs

• Partner with customers and stakeholders (include WHSQ) to pilot injury risk reduction initiatives (IRRI)

PEOPLEOur people are remarkable

CORPORATEWe are financially secure

CUSTOMEROur customers are at theheart of everything we do

WHAT YOUCAN DO

PRACTICALADVICE

• Keep your workplace safe• If accidents occur, encourage

safety at work• Offer suitable duties• Focus on what the worker can do• Safety measures and suitable

duties do work

worksafe.qld.gov.au