Carly Santosa, Associate • April 3, 2025
If you have been injured at work it is important to talk to a lawyer about your superannuation entitlements.
A common question that arises during workers compensation claims are if superannuation payments are still required to be made by their employer.
In general, Superannuation is not payable on workers compensation because workers compensation is designed to replace lost wages and cover treatment expenses. Superannuation is not intended to cover these costs.However, there are exceptions to this rule. Superannuation may be payable if the employee is covered by a modern award or enterprise agreement that specifies that Superannuation is still to be paid while on workers compensation – but only if you are still employed and have not been terminated on medical grounds. Most Awards provide that superannuation must be paid when you are off work on a work-related illness. You can find out if your award pays superannuation while on workers compensation on the Fair work website.
Some modern awards and enterprise agreements specify that superannuation is still to be paid while on workers compensation. You must look at the modern award that applies to you and see if superannuation is payable. For example, the Building and Construction Industry Award 2020, Cleaning Industry Award, Hospital and Manufacturing require employers to pay Superannuation to employees receiving workers compensation payments.
Here are the steps on how to find out if you are entitled to receive superannuation whilst on workers compensation:
Other superannuation related insurances that may assist you are the Total and Permanent Disablement TPD insurance and/or income protection. TPD insurance pays a lump sum if you become totally and permanently disabled because of illness or injury.
Each insurer has a different definition of what it means to be totally and permanently disabled. It can cover you for either:
Speak to a lawyer about whether you hold insurances for total and permanent disablement insurance (lump sum) and/or income protection payments. If you have income protection an amount may be payable on top of your weekly wage loss payments for workers compensation.
Have you got an injury or illness that occurred at work or was significantly contributed to, or aggravated by, your work? If you have the slightest concern, Kells provides a free case assessment of your possible compensation claim with no obligation to proceed. Our specialised and caring personal injury lawyers can meet you at home, at one of our six offices or even in hospital.
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