Income support for employees
Summary
- If you're eligible, in most cases we pay 80% of your gross income, up to $1,620 per week
- To get paid each fortnight, you need to send us a Certificate of Capacity from your doctor
- If you return to work part-time or on reduced hours, we can pay partial income support until you go back to your normal hours.
Who can claim income support
Use our Income support eligibility tool to check if you can claim income support.
You may be eligible to claim income support if:
- You have an accepted TAC claim
- You’ve had more than 5 days off work because of your transport accident injures
- You are 15 years or older
- You have a certificate of capacity from your doctor that says what you can and can't do because of your accident injuries.
How much we can pay
In most cases we pay 80% of your gross income, up to $1,620 per week.
Use our Income support calculator to get an estimate of how much we can pay you.
Disclaimer
This tool gives an estimate of your income support, based on the information you provide. This estimate is not a TAC decision about your claim.
These amounts are for accidents that happened on or after 1 July 2024.
How we work out what to pay
| If your gross income is less than $808* a week | We can pay you 100% of your income. |
|---|---|
| If 80% of your gross income is less than $808* a week | We can pay you $768* a week. |
If 80% of your gross income is between $808* and $1,620 a week | We can pay you 80% of your income a week. |
If 80% of your gross income is more than $1,620 a week | We can pay you $1,620 a week. |
* $808 applies if you have no dependants. If you have one dependant, this rate is $1,036. For each extra dependant add $74. Dependants include anyone who relies on you for financial support.
Things to note
- We 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 2024 to 30 June 2025. We update these amounts each financial year.
- We base the amount you get on what you earned before your accident. See How are Loss of Earnings (LOE) benefits assessed? for information about how we work out your earnings.
- We will take out tax from your income support. If you have a HELP debt, we will also take out a HELP payment. If you pay family maintenance, we may take out an amount decided by the Child Support Agency.
Interim payment
If you are eligible for income support, we may be able to make a one-off payment to you. This payment is to help with your expenses while we calculate your final income support rate.
We base the interim payment on the information you give us over the phone.
The payment is for a two week period.
See the Interim loss of earnings payment policy for more information.
What you need to do to keep getting income support
To get paid each fortnight, you need to send us a Certificate of Capacity from your doctor.
The Certificate of Capacity updates us on your progress and tells us what you can and can't do.
To avoid a delay in your payments, you must must send us your new certificate at least 5 working days before your certificate expires.
What happens if your certificate is late and you don't get paid
We know that sometimes things don’t go to plan. If we’re satisfied that you tried to send us your Certificate of Capacity on time, we may be able to pay you outside the normal payment cycle. Please call us on 1300 654 329 (Monday to Friday, 8.30am to 5:30pm) for more information.
Other things you need to let us know
You must let us know if:
- You change your address or bank account details
- Someone becomes dependent on you for financial support, or is no longer dependent on you
- You return to work
When you will get paid
Once we’ve accepted your claim, we pay into your nominated bank account each fortnight.
We will send you a Pay As You Go (PAYG) summary at the end of the financial year to include in your tax return.
The 2025 pay dates for eligible clients:
|
|
Tax rate adjustment for 2020-2021
The Australian Taxation Office (ATO) has adjusted tax rates for the 2020/21 financial year. This is in line with the changes to personal income tax thresholds announced in the Federal Budget.
From 18 November 2020, if you receive the following benefits from the TAC, these new tax rates will apply to you:
- Loss of Earnings (LOE)
- Dependent Surviving Partners Benefit
- Dependent Surviving Child Benefit
If you receive a Partial Loss of Earning Capacity (LOEC) benefit, the adjusted tax rates may also change the amount you receive from the TAC. This is because you have a capacity to work.
The adjusted tax rate does not change the gross amount we have agreed to pay you. It may change the amount of tax we withhold from your payment, which could change the amount of net pay you receive.
You will receive a tax credit for any extra tax withheld from your payments before our system update. This tax credit will apply when you lodge your 2020–21 income tax return with the Australian Tax Office.
What happens if you use work leave
If you have more than 5 days off work and use sick or annual leave because of your injuries, we can pay your income support to your employer. Your employer can then give back your leave. We need a Certificate of Capacity from your doctor to pay income support to your employer.
We need your written permission to repay leave. Please complete the Authority to pay entitlement: employer form.
If your employer stops paying leave and you haven't gone back to work, we can start to pay you income support. Your employer will need to let us know that your leave payments have stopped.
What happens if you go back to work on reduced hours
If you return to work on reduced hours, we can make partial income support payments to you.
We will need a Certificate of Capacity from your doctor that tells us what you can do at work.
To work out how much to pay, we need a copy of your payslip. You can send this to us using myTAC.
Many people find getting back to work plays a big part in their recovery. When you are ready, we’re here to support you get back to work as quickly and safely as possible.
See Return to work support for more details about the resources available to you and your employer.
Step 1
We will call you if you told us that you need income support when you lodged your claim. When we talk with you, we will ask you for some information. This may include:
- Your employer's business name and address
- Contact details of your manager or payroll officer
- If you have returned to work, the date you went back and whether you are working full-time or part-time
- Details of any changes to your pay in the last 12 months (e.g. a pay rise)
- If you have financial dependent(s), their name, date of birth and relationship to you (e.g. wife/husband, partner, child)
We'll use this information to work out if you are eligible for income support.
Step 2
To work out how much income support to pay, we need details of your earnings for the 12 months before your accident. This could be:
- A 12 month payroll report, or
- Payslips for the 12 months before your accident.
If you have been in your job for less than 12 months, you can send us:
- A payroll report for the time you have been in your current job, or
- Payslips from the date you started your current job, up until the date of your accident.
You can send us this information using the myTAC app.
Step 3
Other information we need to pay your income support includes:
- A Certificate of Capacity from your doctor detailing your time off work that relates to your transport accident injuries
- Your bank account details including:
- Bank, branch and account name
- BSB and account number
- A completed Tax File Declaration form, as the income support we pay you is a taxable benefit
You can send us this information using the myTAC app.
Need help?
If you need to talk to us about your eligibility for income support, you can call us on 1300 654 329 (Monday to Friday, 8.30am to 5:30pm).
TAC income support forms
Resource list
- Leave reimbursement form (158.7 KB)
Leave reimbursement form
Use this form to have your sick or annual leave reimbursed for time off work because of your accident injuries.
Resource list
- Leave reimbursement form (158.7 KB)
Resource list
- Travel to work reimbursement form (284.9 KB)
- Travel to work reimbursement form (141.0 KB)
Travel to work reimbursement form
Use this form to claim expenses for travel to work by private car, public transport or taxi.
Please note that you need approval from the TAC before you travel by taxi.
Resource list
- Travel to work reimbursement form (284.9 KB)
- Travel to work reimbursement form (141.0 KB)
TAC income support fact sheets
Resource list
Income support for employees - FAQ
Resource list
Resource list
TAC income support and return to work
Resource list
- Loss of earnings benefits
- Interim Loss of Earnings Payment
- Certificate of capacity
- Post-hospital support
- 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?
Summary
- If you're eligible, in most cases we pay 80% of your gross income, up to $1,620 per week
- To get paid each fortnight, you need to send us a Certificate of Capacity from your doctor
- If you return to work part-time or on reduced hours, we can pay partial income support until you go back to your normal hours.
Who can claim income support
Use our Income support eligibility tool to check if you can claim income support.
You may be eligible to claim income support if:
- You have an accepted TAC claim
- You’ve had more than 5 days off work because of your transport accident injures
- You are 15 years or older
- You have a certificate of capacity from your doctor that says what you can and can't do because of your accident injuries.
How much we can pay
In most cases we pay 80% of your gross income, up to $1,620 per week.
Use our Income support calculator to get an estimate of how much we can pay you.
Disclaimer
This tool gives an estimate of your income support, based on the information you provide. This estimate is not a TAC decision about your claim.
These amounts are for accidents that happened on or after 1 July 2024.
How we work out what to pay
| If your gross income is less than $808* a week | We can pay you 100% of your income. |
|---|---|
| If 80% of your gross income is less than $808* a week | We can pay you $768* a week. |
If 80% of your gross income is between $808* and $1,620 a week | We can pay you 80% of your income a week. |
If 80% of your gross income is more than $1,620 a week | We can pay you $1,620 a week. |
* $808 applies if you have no dependants. If you have one dependant, this rate is $1,036. For each extra dependant add $74. Dependants include anyone who relies on you for financial support.
Things to note
- We 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 2024 to 30 June 2025. We update these amounts each financial year.
- We base the amount you get on what you earned before your accident. See How are Loss of Earnings (LOE) benefits assessed? for information about how we work out your earnings.
- We will take out tax from your income support. If you have a HELP debt, we will also take out a HELP payment. If you pay family maintenance, we may take out an amount decided by the Child Support Agency.
Interim payment
If you are eligible for income support, we may be able to make a one-off payment to you. This payment is to help with your expenses while we calculate your final income support rate.
We base the interim payment on the information you give us over the phone.
The payment is for a two week period.
See the Interim loss of earnings payment policy for more information.
What you need to do to keep getting income support
To get paid each fortnight, you need to send us a Certificate of Capacity from your doctor.
The Certificate of Capacity updates us on your progress and tells us what you can and can't do.
To avoid a delay in your payments, you must must send us your new certificate at least 5 working days before your certificate expires.
What happens if your certificate is late and you don't get paid
We know that sometimes things don’t go to plan. If we’re satisfied that you tried to send us your Certificate of Capacity on time, we may be able to pay you outside the normal payment cycle. Please call us on 1300 654 329 (Monday to Friday, 8.30am to 5:30pm) for more information.
Other things you need to let us know
You must let us know if:
- You change your address or bank account details
- Someone becomes dependent on you for financial support, or is no longer dependent on you
- You return to work
When you will get paid
Once we’ve accepted your claim, we pay into your nominated bank account each fortnight.
We will send you a Pay As You Go (PAYG) summary at the end of the financial year to include in your tax return.
The 2025 pay dates for eligible clients:
|
|
Tax rate adjustment for 2020-2021
The Australian Taxation Office (ATO) has adjusted tax rates for the 2020/21 financial year. This is in line with the changes to personal income tax thresholds announced in the Federal Budget.
From 18 November 2020, if you receive the following benefits from the TAC, these new tax rates will apply to you:
- Loss of Earnings (LOE)
- Dependent Surviving Partners Benefit
- Dependent Surviving Child Benefit
If you receive a Partial Loss of Earning Capacity (LOEC) benefit, the adjusted tax rates may also change the amount you receive from the TAC. This is because you have a capacity to work.
The adjusted tax rate does not change the gross amount we have agreed to pay you. It may change the amount of tax we withhold from your payment, which could change the amount of net pay you receive.
You will receive a tax credit for any extra tax withheld from your payments before our system update. This tax credit will apply when you lodge your 2020–21 income tax return with the Australian Tax Office.
What happens if you use work leave
If you have more than 5 days off work and use sick or annual leave because of your injuries, we can pay your income support to your employer. Your employer can then give back your leave. We need a Certificate of Capacity from your doctor to pay income support to your employer.
We need your written permission to repay leave. Please complete the Authority to pay entitlement: employer form.
If your employer stops paying leave and you haven't gone back to work, we can start to pay you income support. Your employer will need to let us know that your leave payments have stopped.
What happens if you go back to work on reduced hours
If you return to work on reduced hours, we can make partial income support payments to you.
We will need a Certificate of Capacity from your doctor that tells us what you can do at work.
To work out how much to pay, we need a copy of your payslip. You can send this to us using myTAC.
Many people find getting back to work plays a big part in their recovery. When you are ready, we’re here to support you get back to work as quickly and safely as possible.
See Return to work support for more details about the resources available to you and your employer.
Step 1
We will call you if you told us that you need income support when you lodged your claim. When we talk with you, we will ask you for some information. This may include:
- Your employer's business name and address
- Contact details of your manager or payroll officer
- If you have returned to work, the date you went back and whether you are working full-time or part-time
- Details of any changes to your pay in the last 12 months (e.g. a pay rise)
- If you have financial dependent(s), their name, date of birth and relationship to you (e.g. wife/husband, partner, child)
We'll use this information to work out if you are eligible for income support.
Step 2
To work out how much income support to pay, we need details of your earnings for the 12 months before your accident. This could be:
- A 12 month payroll report, or
- Payslips for the 12 months before your accident.
If you have been in your job for less than 12 months, you can send us:
- A payroll report for the time you have been in your current job, or
- Payslips from the date you started your current job, up until the date of your accident.
You can send us this information using the myTAC app.
Step 3
Other information we need to pay your income support includes:
- A Certificate of Capacity from your doctor detailing your time off work that relates to your transport accident injuries
- Your bank account details including:
- Bank, branch and account name
- BSB and account number
- A completed Tax File Declaration form, as the income support we pay you is a taxable benefit
You can send us this information using the myTAC app.
Need help?
If you need to talk to us about your eligibility for income support, you can call us on 1300 654 329 (Monday to Friday, 8.30am to 5:30pm).
TAC income support forms
Resource list
- Leave reimbursement form (158.7 KB)
Leave reimbursement form
Use this form to have your sick or annual leave reimbursed for time off work because of your accident injuries.
Resource list
- Leave reimbursement form (158.7 KB)
Resource list
- Travel to work reimbursement form (284.9 KB)
- Travel to work reimbursement form (141.0 KB)
Travel to work reimbursement form
Use this form to claim expenses for travel to work by private car, public transport or taxi.
Please note that you need approval from the TAC before you travel by taxi.
Resource list
- Travel to work reimbursement form (284.9 KB)
- Travel to work reimbursement form (141.0 KB)
TAC income support fact sheets
Resource list
Income support for employees - FAQ
Resource list
Resource list
TAC income support and return to work
Resource list
- Loss of earnings benefits
- Interim Loss of Earnings Payment
- Certificate of capacity
- Post-hospital support
- 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?
