If you’ve been seriously injured at work, figuring out what support you’re entitled to can feel overwhelming. In New South Wales, two major systems might apply to your situation: Workers Compensation and the National Disability Insurance Scheme (NDIS).
While these two systems are different, they can work together to help you get the support you need – both now and into the future.
Understanding the Basics
Workers Compensation is there to support people injured at work. It can cover things like:
- Weekly payments if you can’t work
- Medical and rehab costs
- A lump sum if you have a permanent injury
The main goal is to help you recover and get back to work if possible. You can read more about how Workers Compensation works here.
On the other hand, the NDIS is for people under 65 who have a permanent and significant disability. It helps with longer-term needs – things like mobility aids, home modifications, and support workers. The NDIS isn’t about how the injury happened – it’s about what you need to live your life.
Can I Use Both?
Yes, sometimes you can access both Workers Compensation and the NDIS.
For example:
If you suffer a serious injury at work, like a spinal cord injury or brain injury, Workers Compensation will help you in the short-to-medium term. But if your injury causes permanent disability, you might also qualify for long-term support through the NDIS.
How They Work Together
1. Starting with Workers Compensation
Right after your injury, your Workers Compensation insurer will help with treatment, rehab, and maybe a return-to-work plan. This is often your first point of support.
If it becomes clear that your injury is permanent and life-changing, it’s time to think about the NDIS.
You (or someone helping you) can apply to the NDIS to get long-term supports put in place. This can include things like help at home, therapy, or equipment you’ll need going forward.
2. No Double-Dipping
It’s important to know that you can’t be paid for the same thing by both systems. For example:
- If Workers Compensation is already paying for your physio, the NDIS won’t pay for that too.
- But the NDIS might pay for other supports that aren’t covered – like getting you involved in community activities or providing help around the house.
The key is making sure both systems are working together, not doubling up.
3. Real-Life Examples
Here’s how the two systems can support you at different stages:
- Medical Treatment: Workers Compensation usually covers hospital stays, surgery, and physio. If that support ends, the NDIS might pick up ongoing therapy.
- Equipment and Aids: Workers Compensation might fund your first wheelchair. Later, the NDIS could pay for its maintenance or eventual replacement.
- Support Coordination: The NDIS can fund someone to help you manage services, appointments, and your overall plan—especially useful if you’re moving between systems.
4. Sharing Information
For everything to work smoothly, you’ll need to give consent for your insurer and NDIS planner to share information. This helps everyone stay on the same page and ensures your needs don’t fall through the cracks.
What Should You Do?
If you’ve had a serious workplace injury and think you might need long-term support:
- Talk to your doctor or rehab team about whether the NDIS might be right for you
- Ask your insurer about your long-term options
- Don’t wait too long—early planning helps avoid gaps in support
- Get advice if you’re unsure