Make a claim

Guiding you through the claims process

Supporting your employee through a workplace injury or illness starts here. We’ve helped thousands of employers across South Australia to manage claims smoothly while ensuring their workers get the care they need. This page outlines lodging a claim and accessing the right support. If you need help, we’re just a call away.

Quick access contact information

Contact for all new claims

You can lodge a claim by calling us on 1800 688 825 to speak with a customer service representative. Click here to request a call back.

Online claim lodgement and management

If you are an employer in South Australia, you can report an injury or make a claim online through the ReturnToWorkSA website. 

Step by step guide​

Process of making a claim​

Has your worker incurred an injury or illness?

Alert Icon

Whether it is physical or psychological, your worker’s wellbeing is everyone’s responsibility, and care and support is crucial.

This is your priority. Urge or organise your worker to make a visit to a practitioner or hospital as required for treatment as soon as possible.

Alert Icon

We suggest you offer to support the injured worker at the appointment, with their approval or ask if there is a suitable person they would like to take or contact.

Have you notified SafeWork SA of the injury or illness?

Alert Icon

It is an offence to fail to report a notifiable incident to SafeWork SA, including serious injuries or illnesses, dangerous incidents, fatalities or COVID-19 cases that occur at work as a result of the conduct of the business or undertaking.

You must report serious injuries or illnesses to SafeWork SA.

Does your workers injury qualify under SafeWork SA's definition of a serious injuries or illnesses?

Alert Icon

It is an offence to fail to report a notifiable incident to SafeWork SA, including serious injuries or illnesses that occur at work as a result of the conduct of the business or undertaking.

You can notify SafeWork SA via phone, incident form or email depending on the urgency or life-threatening nature of the injury or illness. See here for more information.

Alert Icon

It is an offence to fail to report a notifiable incident to SafeWork SA, including serious injuries or illnesses that occur at work as a result of the conduct of the business or undertaking.

If there is no injury or illness to a worker, you do not need to enter the EML claims process, though SafeWork SA may need to be notified for workplace fatalities, and health and safety incidents.

Head to the SafeWork SA website to understand more.

Alert Icon

EML supports SafeWork SA in the identification of near misses and other incidents to improve the workplace and prevent future injuries and incidents.

Once you have notified SafeWork SA, you should receive confirmation of the notification. Retain record of this notification.

Alert Icon

You must keep a record of this incident notification form for five years.

Has the injury, illness or incident been assessed within your organisation to minimise future risks?

You should assess the incident and identify opportunities to minimise risks within your workplace.

Reporting and reviewing injuries minimises workplace incidents and can reduce your insurance premiums.

Alert Icon

More importantly, developing a safety culture demonstrates care for your workers health and wellbeing and makes your organisation a good place to work.

If your worker has sought medical treatment, they have the right to lodge a workers compensation claim.

Has a claim already been lodged for this injury or illness?

Has your worker notified you that they want to lodge a claim for compensation of either medical expenses, or for weekly income support payments?

Alert Icon

There are incentives in place for employers who lodge the claim within five business days of being notified by their worker. See the ReturnToWorkSA website for more information.

While you may encourage and help your worker understand their right to claim, the choice is theirs.

Alert Icon

If you lodged a claim for your worker and later found that they did not want to claim, do not be concerned.

EML will contact your worker for their consent before progressing any claim lodgement.

You can choose from two lodgement options:

Go to the ReturnToWorkSA online lodgement portal to lodge the claim for your worker (preferred).

Contact EML directly over the phone on 1800 688 825 (Callback available).

Alert Icon

Using the ReturnToWorkSA online lodgement portal is the easiest, most convenient and efficient way to lodge a claim.

This is to ensure early support is provided to your employee, regardless of whether the claim is accepted or not.

Lodgement will be quick and easy if you have some information handy when you begin the claims process.

1
Personal info about your employee (e.g., name, contact, DOB)
2
Injury details (e.g., date of injury, how the injury occurred)
3
An incident report
4
Other information to support (e.g., scans, medical bills, medical reports, job descriptions and return to work plans)

If your worker is claiming for weekly payments (money paid for time off work), or cannot do their pre-injury work, a signed certificate of capacity is required, as well as 13 months of pay information prior to the date of the injury.

Is your worker claiming for this?

Alert Icon

A signed certificate of capacity must be obtained from your workers treating health practitioner.

A claim can be submitted without it, but for timely determination of the claim, it is preferable to have as soon as available.

Ensure your worker has provided a signed certificate of capacity for you to send with the claim lodgement.

Alert Icon

A signed certificate of capacity must be obtained from your workers treating health practitioner.

A claim can be submitted without it, but for timely determination of the claim, it is preferable to have as soon as available.

Complete your lodgement of the claim via the ReturnToWorkSA online lodgement portal or over the phone.

EML will acknowledge receipt of the paperwork via email.

Talk to your worker regularly and check in on their recovery and their readiness to return to work.

Alert Icon

Your employee may be going through a difficult time.

Communication breakdown is a major reason that return to work is delayed or doesn’t happen at all.

After the claim has been lodged, EML will contact both the worker and employer within two business days and may ask for more information from you.

Alert Icon

Your claim is assessed by our dedicated team at EML as to whether it is eligible for workers compensation in line with the legislation.

Wherever possible, EML will aim to determine claims within ten business days.

If there are no further queries, EML will let you know that the claim has been determined.

If further queries or investigation is required beyond the ten business day expectation, your worker will be offered interim benefits whilst the claims decision is made.

Alert Icon

If the worker requires further support with their recovery and return to work, a claims specialist will be assigned within two business days.

News

News and community

From firefighter to fighter: Andrew’s journey through cancer

For Andrew Evans, Captain of Ingleburn Fire Station, service has always meant...

Not the insurance career you imagined

At EML Group, our Technology team is shaping the future of personal...

Leading Well at Work: Leader Series Launch

The Leading Well at Work series is a practical, seven-part leadership program...
celebrating 5 years mobile case management

Celebrating 5 years of mobile case management across NSW

EML Group is proud to celebrate five years of delivering Mobile Case...

EML Secures ACT Government Contract Renewal Through to 2037

EML has been reappointed as the ACT Government’s dedicated claims administration partner,...

How EML is using AI to improve claims outcomes

AI at EML Group is not new. We have applied machine learning...

Resources

Free tools to support recovery and provide a safer workplace

Training

Customised and flexible learning for workplace peace of mind

Upcoming sessions

Browse our training across workers compensation, health and safety, return to work and mental health.

Fundamentals of injury management and return to work planning

This session provides an overview of injury management and return to work principles, including employer obligations, communication practices, and recovery planning. Participants will gain practical knowledge to support injured workers, promote recovery at work, and contribute to positive health and business outcomes through effective workplace rehabilitation practices.”
Host : PHSA

Workers compensation: National updates and insights

This session provides employers with an update on key issues impacting workers’ compensation schemes across SA, NSW and VIC. It covers emerging trends, external drivers, and legal developments, and outlines the practical implications for employers. Participants will gain insights to help navigate change, manage risk, and respond effectively across jurisdictions.
Host : Internal

Upcoming sessions

Browse our training across workers compensation, health and safety, return to work and mental health.

Leading your team through change

Leading a team through change calls for clarity, confidence, and a deep understanding of how people respond when their world shifts. This workshop explores practical ways to guide others with steadiness, empathy, and purpose during periods of uncertainty. Participants will discover how to communicate direction, maintain trust, and keep momentum even when circumstances evolve rapidly. The session equips leaders with adaptable strategies that help teams stay engaged, resilient, and ready for what comes next.
Host : IPAR

Defusing and de-escalating strategies

​This session equips participants with practical strategies to manage challenging interactions effectively. Learn how communication style, tone, and non-verbal cues influence outcomes, and explore techniques to understand the drivers behind distressed behaviour. Gain skills in evidence-based defusing strategies, respectful assertiveness, and collaborative problem-solving. Discover when to pause or take breaks, maintain boundaries while validating feelings, and avoid language that escalates tension. The session also covers safety steps for situations that cannot be defused and emphasises self-care and support following difficult encounters. 
Host : AP Psychology

Understanding psychosocial risk: What it means for you at work

Psychosocial risks affect everyone – from workload and stress to team dynamics and workplace culture. This session explains what they are, why they matter, and how they impact individuals, teams, and organisations. Participants will gain practical insights into identifying psychosocial risks and the role they play in creating a healthier, safer, and more supportive workplace.
Host : Anna Feringa Consulting

Upcoming sessions

Browse our training across workers compensation, health and safety, return to work and mental health.

Virtual: Role of the Return-to-Work Coordinator (VIC)

This WorkSafe Victoria endorsed Return-to-Work (RTW) program is designed to equip RTW Coordinators with the tools they need to effectively manage return-to-work under the requirements of the legislation and the principles of effective injury management. A WorkSafe endorsed certificate will be provided upon full participation in the two-day RTWC program. All online work materials will be provided.
Host : Workplace Interventions

Achieving the best outcomes in medical case conferencing (Lunchtime learning)

This practical session is designed to support employers and injury management stakeholders to confidently participate in medical case conferences to achieve more effective outcomes. The session will explore how to communicate effectively with treating doctors, prepare meaningful information prior to the conference, and collaborate to support safe, timely, and sustainable return to work planning for injured workers.
Host : PHSA

Managing non-work-related injuries and illness

With a significant proportion of Australians living with chronic health conditions and injuries contributing to disease burden, workplaces increasingly need to support employees managing non-work-related health issues. This session provides practical, ethical, and best-practice guidance for employers, focusing on how to appropriately support employees while balancing organisational responsibilities, legal considerations, and workplace outcomes.
Host : PHSA

Upcoming sessions

Browse our training across workers compensation, health and safety, return to work and mental health.

Perceived Injustice: When fairness shapes behaviour and recovery (Lunchtime learning)

This session explores perceived injustice and how perceptions of fairness, blame, and invalidation shape behaviour and recovery following an injury. Designed for those supporting return to work, participants will build practical skills to understand, recognise and respond to perceived injustice when it presents in injured workers, reduce conflict, and strengthen trust to support more positive recovery and workplace outcomes.
Host : KINNECT

Experience matters: How to support an ageing workforce

This panel session examines how organisations can recognise and respond to the mental health concerns of an ageing workforce. Participants will explore common risk factors, protective influences, the impact of work design, as well as change and transition on older workers’ wellbeing. Through practical insights and examples, the session highlights supportive conversations, early intervention, reasonable adjustments, and inclusive practices that promote psychological safety, sustain engagement and enable older workers to remain healthy, valued and productive at work.
Host : Recovre, Psychological Safety Australia, IPAR, EML

Women’s mental health at work: Lifecycle challenges and organisational impact

This session explores the unique mental health challenges women experience across life and career stages in the Australian workplace. It examines factors such as hormonal changes, caregiving responsibilities, return to work transitions, and menopause. Participants will examine how workplace systems and culture influence wellbeing and retention, and gain practical strategies to create inclusive, psychologically safe environments that support women’s participation and performance.
Host : IPAR
Person smiling, wearing headphones at a computer.
Get in touch your way
Chat with our local claim experts - we're always here to help