For more detailed information about income support, please see the policies tab.
What you need to do
If you haven't already, you will need to talk to the TAC about your eligibility for loss of earnings benefits. During this talk you will be asked to provide some information about your employment. This may include:
- Your employer's business name and address
- Contact details of your manager or payroll officer
- Your bank account details including:
- Bank, branch and account name
- BSB and account number
The TAC will send you a loss of earnings benefits summary which outlines the information you provided during the conversation. It will also ask for the documents we need to complete your loss of earnings assessment.
These documents may include:
- Confirmation of your earnings for the 12 months before your accident, in the form of payslips or a printout of payments from your employer
- Certificate(s) of capacity from your doctor
- Completed Tax File Number Declaration form
How the TAC calculates loss of earnings benefits
The TAC calculates loss of earnings benefits by looking at your average weekly earnings in the 12 months before the accident.
The following table is a guide to how the TAC works out your rate. The amounts listed below are based on weekly gross income.
If your income is below $612*, you will be paid the full amount of your income.
If 80% of your income falls below $612*, you will be paid $612.
If 80% of your income falls between $612* and $1,250, you will be paid 80% of your income.
If 80% of your income is greater than $1,250, you will be paid $1,250.
* $612 applies to you if you have no dependants. If you have one dependant, your rate is $785. For each additional dependant add $55. Dependants include anyone who is reliant on you for financial support.
The TAC can only pay you the dependant rate if it is less than 100% of your weekly income.
The dollar amounts listed are for the period 1 July 2015 to 30 June 2016. These amounts are indexed each financial year.
The TAC will deduct tax from your loss of earnings benefits. If you have a HELP debt, the TAC will also deduct the appropriate HELP payment. If you must pay family maintenance, the TAC may deduct an amount designated by the Child Support Agency.
When you will be paid
The TAC pays loss of earnings benefits on a fortnightly basis into your nominated bank account.
You will be sent a Pay As You Go (PAYG) summary at the end of the financial year to include in your tax return.
Certificate of capacity required
To make a loss of earnings payment the TAC must have a certificate of capacity from your doctor that states your capacity to work is affected because of your accident injuries. It must also state how long your capacity to work will be affected.
Please take note of the date that your certificate of capacity finishes. To ensure continuous payment of your loss of earnings benefits, please send the TAC any further certificates of capacity at least five working days before your current certificate runs out.
If you return to work part time
You should contact the TAC and let us know if you are able to work reduced hours, as you may be eligible for partial loss of earnings benefits.
To claim partial loss of earnings, please provide certificates of capacity from your doctor detailing your capacity for work and payslips for all your earnings while working reduced hours. The TAC will then use this information to calculate your entitlement to partial loss of earnings benefits.
- Loss of earnings benefits
- Interim Loss of Earnings Payment
- Certificate of capacity
- Who is eligible to receive Loss of Earnings (LOE) benefits?
- Who is not eligible to receive Loss of Earnings (LOE) benefits?
- How are Loss of Earnings (LOE) benefits assessed?
- What other factors can affect your entitlement to loss of earnings benefits?
- How long are Loss of Earnings (LOE) benefits payable for?
View Loss of earnings benefits
Loss of earnings benefits
The TAC can pay you loss of earnings benefits while you are unable to return to work due to your accident injuries. Loss of earnings benefits is a temporary income support while you recover enough to return to work.
View Loss of earnings benefits for self employed people
Loss of earnings benefits for self employed people
This booklet provides useful information about the loss of earnings benefits that the TAC can pay self-employed clients who have lost income as a result of their accident injuries. As well as setting out how loss of earnings benefits are calculated and paid, the publication explains ways the TAC can help you return to work.
View Returning to work
Returning to work
This booklet explains how TAC clients can work positively with their employer, health professionals and the TAC to coordinate a safe and smooth return to work. It outlines the TAC services and benefits, such as workplace assessments and modifications, that are available to assist return to work. There's also a useful planner tool and answers to frequently asked questions about return to work programs.
View Return to work - activity planner
Return to work - activity planner
A handy template document for TAC clients who are returning to work to organise their various treatment appointments, exercises and work commitments.
View Authority to pay entitlement: employer form
Authority to pay entitlement: employer form
It is strongly recommended that you speak with a TAC claims manager or income officer prior to completing this form as it will have an effect on your income entitlement and tax obligations. Additionally, changes to future payments will not commence until contact has been made.
This form is for clients to authorise the TAC to make payments directly to their employer.