Scheme performance - Overview
The Comcare scheme
We administer the Commonwealth's statutory framework for rehabilitation and workers' compensation, the Safety, Rehabilitation and Compensation Act 1988 (SRC Act), and we are the national work health and safety regulator under the federal Work Health and Safety Act 2011 (WHS Act).
- has functions and responsibilities under the Asbestos-related Claims (Management of Commonwealth Liabilities) Act 2005
- provides expert advice and services to the Safety, Rehabilitation and Compensation Commission (SRCC) (read about licence conditions); and the Seafarers Safety, Rehabilitation and Compensation Authority (Seacare Authority).
Explore more detailed work health and safety and workers’ compensation statistics
Compare performance information across Australia and New Zealand
The Workers’ Compensation scheme covers:
- employees of Australian Government agencies and authorities
- employees of national companies licensed by the SRCC (including ACT Government)
- individuals making claims against the Commonwealth for asbestos-related conditions.
The Work Health and Safety scheme covers:
- employees of Australian Government agencies and authorities
- employees of some national companies licensed by the SRCC
- employees of private companies with majority Commonwealth ownership
- members of the Australian Defence Force (ADF) while not at war (including reservists and cadets).
Recent Scheme changes
- Ramsay Health Care Australia Pty Ltd commenced as a self-insurer from 1 December 2020, bringing approximately 18,000 FTE from over 70 hospitals and other healthcare facilities around the country. In accordance with current legislative arrangements, Ramsay’s WHS will continue to be regulated by the individual states and territories.
- Australia and New Zealand Banking Group Limited (ANZ Bank) joined the Comcare scheme on 1 June 2021. ANZ has approximately 18,700 FTE and is one of Australia’s four largest banks and five largest publicly traded companies, providing a diverse range of financial services to around 8 million individual and corporate customers.
Comcare works with employers, employees and other stakeholders to improve work health, prevention, safety and rehabilitation outcomes. Our aim is to make workplaces safer and healthier through prevention of injury and effective compliance.
The most recent comparative performance data shows that Comcare has the lowest injury incidence and frequency rates of any jurisdiction.
We continue to work towards becoming a zero fatality scheme—no workplace death is ever acceptable.
Comcare also improves work health and safety outcomes including programs to encourage early intervention after workplace injury and to promote the health benefits of work.
Persons conducting a business or undertaking are required to notify Comcare of incidents that result in the death, serious injury or illness of a person, or that are dangerous in nature. The WHS Act defines which events are notifiable.
Has an injury, illness or dangerous incident occurred at your workplace? If so, you may be legally required to notify Comcare about what has happened.
The most prevalent incident types (2020-21)
Comcare has a compliance and enforcement role covering both work health and safety and workplace rehabilitation regulation. This role combines proactive and reactive elements. Comcare’s regulatory activities may be undertaken in response to workplace incidents and notifications, but they may also be triggered by other means such as complaints or allegations, media articles, research and reports, or Comcare’s analysis of workplace risks and hazards.
Comcare's Compliance and Enforcement Policy details our regulatory approach.
Incident notification data is correct at the time of reporting however is subject to change. As enquiries are conducted and further information becomes available, a notification assessment may change, and/or the notification no longer be considered a notifiable incident under the Work Health and Safety Act 2011.
Comcare conducts an annual program of work health and safety system audits to identify positive aspects of the systems in place and highlight any deficiencies that need to be addressed.
Our safety system audits use a range of audit tools and templates.
In addition, Comcare made over 4,600 authorisation and approval decisions in 2019-20, to ensure high risk work activities are only undertaken after the suitability of persons, things or processes have been assessed.
Comcare applies a range of compliance tools prior to using enforcement options. Some compliance tools are backed by legislated enforcement options, and Comcare uses these options when necessary and appropriate.
On 7 June 2017, a Kuredale Pty Ltd (t/a Metro Lintels) worker sustained serious injuries after being struck by a steel truss at the Department of Defence Swanbourne Barracks in Western Australia. Kuredale Pty Ltd (t/a Metro Lintels) pleaded guilty to two (2) counts of failing in its duties under the Work Health and Safety Act 2011 (Cth). On 22 October 2019, Kuredale Pty Ltd (t/a Metro Lintels) was convicted and fined $75,000 in the Magistrates Court of Western Australia.
On 19 September 2016, a Newington College Cadet went missing during a training exercise at Colo, NSW. He was later found unconscious and suffered serious injuries.
The Commonwealth of Australia, acting through its responsible agency, the Department of Defence, pleaded guilty to one (1) count of failing in its duties under the Work Health and Safety Act 2011 (Cth). On 9 March 2020, the Department of Defence was convicted and fined $300,000 at the Local Court of NSW.
On 22 July 2015 Linfox Australia Pty Ltd workers were involved in towing a damaged Bushmaster (armoured vehicle) to a recovery truck at the Department of Defence’s Damascus Barracks, Queensland. The Bushmaster rolled forward, and a worker was crushed between the vehicle and a tow motor, resulting in serious injuries.
Linfox Australia pleaded guilty to four (4) counts of failing in its duties under the Work Health and Safety Act 2011 (Cth). On 11 October 2018, Linfox Australia was convicted and fined $200,000 in the Brisbane Magistrates Court.
Comcare works in partnership with employers and others on prevention, early intervention and improving recovery and return to work outcomes. These efforts are seeing good results and are helping to make workplaces safer.
Comparative data shows that the Comcare scheme has fewer workplace injuries and better return to work outcomes for injured employees than any other Australian scheme.
Accepted claims rate (per 1000 FTE)
Over the past five years the number of new claims received and accepted in the Comcare scheme has been trending down.
Did you know you can lodge claim forms online?
Get more detailed claims data.
By type, cause and body part (FYTD as at 30 June 2021)
Psychological injuries are shown to lead to employees having more time off work and higher claim costs. Comcare is a signatory to the Health Benefits of Good Work, a Royal Australasian College of Physicians (RACP)-hosted program.
Body part injured (top 4)
Body part injured (top 5)
Time off work (compensated)
Evidence shows that after spending 20 days off work, an employee has a 70 per cent chance of ever returning to work. After 70 days, the likelihood of returning to work drops to just 35 per cent. Read information for employers on rehabilitation.
(FYTD as at 30 June 2021)
Improving return to work outcomes remains the key challenge in the scheme. Comcare works in collaboration with employers to ensure employees receive early and appropriate treatment services and an effective rehabilitation program. Comcare also works with employers to identify flexible arrangements to maximise an employee's capacity for work. The National Return to Work Strategy 2020-2030 sets an ambitious 10-year action plan to improve return to work outcomes for workers across Australia. Comcare is working with other stakeholders to minimise the impact of work-related injury and illness and to enable workers to have a timely, safe and durable return to work.
In recent years in the Comcare scheme, the length of time that ill and injured employees are away from their work has increased and psychological injury costs have risen. Comcare is continuing to work with scheme participants to achieve a sustainable and better practice scheme resulting in decreasing claims costs paid over the past four years.
If you are an employer, ask your Comcare account manager about how you can impact on your organisation’s claims costs, or use our Customer Information System.
Total claims costs
Claims costs by type (FYTD as at 30 June 2021)
Average cost paid per claim (FYTD as at 30 June 2021)
Reports the average paid cost per active claim (claim that received a payment in the reporting period).
Full Federal Court —  FCAFC 26 (26 April 2018)
Tribunal —  AATA 1228 (8 August 2017)
The employee claimed compensation for a psychological condition after his employer transferred him under a ‘regular mobility process’ (RMP) policy. The RMP policy provided that employees could be moved between divisions after they had worked in one division for over three years.
Comcare denied liability because the transfer under the RMP policy was a ‘reasonable administrative action taken in a reasonable manner’ (RAA) in respect of the employee’s employment. The Tribunal set aside Comcare’s decision, finding that the transfer was not an RAA because the RMP Policy applied to all employees and was not directed specifically to the employee.
- it was not part of the employee’s ordinary work duties;
- it was not a direction about the employee’s duties or how to perform those duties;
- even though the RMP Policy applied to all employees, the transfer decision was directed specifically to the employee and his employment.
Tribunal —  AATA 670 (26 March 2018)
The employee suffered a physical injury while playing netball at the Department of Human Services (now Services Australia) Games, held over a weekend.
Comcare denied liability because the injury did not arise out of, or in the course of, his employment. While the employer promoted the games, participation was voluntary and participants had to arrange their own travel and accommodation.
- The employee was not deemed to be in the course of employment because a weekend away is not being ‘temporarily absent’ from work at the direction or request of the employer (s 6(1)(c)).
- Because the injury occurred on a weekend, there needed to be a closer association with employment before the injury could be compensable. The Tribunal stated that this may have been satisfied if the employer directed or requested that the employee attend the games. It was not sufficient that the employee was induced or encouraged to attend.
The Comcare scheme has seen significant improvement in financial performance and has shown strong performance in comparison to other schemes. Claim frequency is reducing, claim duration after injury is beginning to improve and premium rates are falling. These trends are having a very positive impact on the financial position of the premium scheme.
The scheme notional premium rate proportions the premium rate for the Australian Government and licensees by FTE.
The scheme notional premium rate proportions the premium rate for government sector and licensees by FTE.
Comcare continues to focus on strategic projects targeting return to work outcomes, efficient and effective claims management processes, and risk based file reviews. These have contributed to a significant reduction in premium claims costs and outstanding claims liabilities.
Use our premium calculation tool to gain a better understanding of how investment today may impact future premiums.
See how your organisation compares.
Funding ratio (Australian Government sector only)
The percentage of premium related total assets to premium related total liabilities.
The Comcare insured scheme is fully funded. Recovery of the funding position for the scheme, is the result of reductions in liabilities from reductions in claims received, accepted and improved claims management operations. Restoration of the scheme's funding position has been achieved three years ahead of target.
Administration cost ratio (Australian Government only)
Comcare aims to achieve an administration cost ratio of 20 per cent or less, measured by Safe Work Australia’s comparative monitoring methodology, to ensure cost effective management of the fund.
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