Lodge a new claim

Your claim made simple

We know making a workers compensation claim can be daunting. We’re here to make the process easier, handling all the details once your claim is lodged.

Our caring claims teams have helped over a million Australians to recover and return to work. You’ll find some of their stories on this page, as well as everything you need to help you understand the process and submit your ReturnToWorkSA claim form.

We’re ready to help – contact us in the way that suits you best.

Journey

Our support is tailored to your needs

Making a claim

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Support for claims

Resources for the claims process

Support for recovery

Get the care you need

Step by step guide​

Process of making a claim​

Have you suffered a work related injury or illness?

If you have not suffered an injury or illness, you do not need to enter the claims process.

Reporting an incident or near miss to your employer is valuable to reduce future incidents and risks occurring and may also help if anything changes in the future.

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

Have you let your employer know that the injury or illness has occurred?

Notify your employer of the injury or illness as soon as practical.

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If you are unable to notify your employer, someone else can do this on your behalf.

Have you had medical treatment for the injury or illness?

Does the injury or illness require medical attention?

You are not able to claim for weekly payments or medical expenses without assessment and evidence from a health practitioner.

This is your priority. Make a visit to a practitioner or hospital as required for treatment as soon as possible.

Have your injury or illness assessed, receive any medical treatment and understand the steps to recovery.

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Though you can initiate a claim without medical evidence, you will need it at some point to have your claim assessed for compensation.

Are you intending to claim for weekly payments (money paid for time off work)?

Request a signed certificate of capacity from your treating health practitioner.

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You will need it to receive any weekly workers compensation payment.

Are you intending to claim for medical expenses?

Request medical evidence of the injury or illness and that it was work related, as well as the costs incurred, from your treating health practitioner.

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You will need supporting information to make a claim for medical expenses.

Speak to your practitioner about what other information is relevant for your claim and can be provided.

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Each claim is different and information such as scans, medical bills and medical reports may eventually be added to support the claim for compensation.

If you have sought medical treatment for a work related injury or illness, you have the right to lodge a workers compensation claim.

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

Do you want to lodge a claim for compensation for medical expenses and/or for weekly compensation payments?

While you have a right to make a claim, the choice is yours.

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When you have been injured or become ill, entering the claims process ensures you are getting the right support in recovery.

The quickest and easiest way to progress a claim is for your employer to make the claim online through the ReturnToWorkSA online lodgement portal.

Notify your employer that you want to lodge a claim for compensation.

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If your employer is unable to make a claim on your behalf you can contact EML on 1800 688 825
(Callback available) to make a claim.

Documents may be needed to support the claim.

Certificates of capacity, medical certificates and other medical evidence may be requested to complete the claim.

Your health is the most important thing. If your claim is accepted, you can be reimbursed for the reasonable costs of treatment.

See medical practitioners as required to treat your injury or illness and keep all relevant medical documentation in this time.

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.

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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 a claim’s liability within ten business days.

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

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

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If you require further support with your recovery and return to work, a claims specialist will be assigned within two business days.

News & Community

News

EML IfNSW 20 Years Supporting the NSW TMF and Emergency Services

Partnering with TMF and emergency services in workers compensation for 20 years

In 2025 we recognise a significant milestone for our Insurance for NSW...

Mutual Benefits Program Annual Report Release

We’re proud to launch the FY25 Mutual Benefits Annual Report - highlighting...

New Psychological Health Regulations go live in Victoria

New psychological health regulations came into effect in Victoria on 1 December,...
nsw reforms

NSW workers compensation scheme reforms announced

The NSW Government has introduced reforms that will change how psychological injury...

EML shines at the 2025 PIEF Awards with three winners

On Monday 27 October, we celebrated the incredible achievements across the personal...

Celebrating Mark Coyne: A leader redefining the personal injury sector

With over 22 years in the personal injury sector, including a decade...

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.

Workers compensation: National updates and insights

This course is designed to provide employers with an update on current issues impacting workers compensation schemes, the latest trends, external factors and legal implications, and the expected implications of these issues for employers across the jurisdictional Workers Compensation schemes of SA, NSW and VIC.
Host : Internal

Introduction to workers compensation and injury management

Employers have an obligation to support injured people in the workplace. This session will provide the basic requirements and best-practice principles for supporting injured employees to recover and return to work.
Host : PHSA

Upcoming sessions

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

Upcoming sessions

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

Role of the return to work coordinator – VIC

This 2-day training workshop, conducted in Melbourne Victoria and endorsed by WorkSafe Victoria, empowers RTW Coordinators with vital tools to effectively manage return to work processes in accordance with legislation and injury management principles. Participants will engage with content to learn how to facilitate safe and sustainable return to work plans under the WIRC Act 2013. A WorkSafe VIC endorsed Certificate will be provided upon full participation in the RTWC training.
Host : Recovre

Role of the return to work coordinator – VIC

This 2-day training workshop, conducted in Melbourne Victoria and endorsed by WorkSafe Victoria, empowers RTW Coordinators with vital tools to effectively manage return to work processes in accordance with legislation and injury management principles. Participants will engage with content to learn how to facilitate safe and sustainable return to work plans under the WIRC Act 2013. A WorkSafe VIC endorsed Certificate will be provided upon full participation in the RTWC training.
Host : Workplace Interventions

Addressing common recovery and return to work barriers

This workshop has been designed to help identify and address the key common recovery and return to work barriers experienced through the lens of each party active in a RTW process, including the worker, employer, claims agent and providers.
Host : IPAR

Upcoming sessions

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

Engaging leaders: Mental health training for managers

This workshop by Mental Health First Aid equips leaders with an understanding of mental health conditions, enabling them to promote awareness, enhance communication, and foster a supportive workplace that values mental health. By gaining insights into early intervention, empathy, and active listening, leaders can reduce stigma, boost productivity, and contribute to healthier, more engaged teams, ultimately driving organisational success.
Host : Wellbeing Campus

Mutual Benefits Masterclass – Inside the minds of Australia’s workplaces

Join Dr Michael Di Donato, Luke Sheehan, and Keith Govias as they unpack the Mental Health white paper, developed by EML in partnership with Monash University. Using national datasets, the paper highlights the rise in psychological injury claims, identifies systemic risks, and explores industry-specific challenges. The speakers will examine key findings, discuss emerging trends, and share practical, data-driven strategies to strengthen trust and support between employers and employees. This session provides valuable insights to help organisations create safer, more mentally healthy workplaces.
Host : Internal

New rules, better outcomes, integrating psychosocial care in the workplace

This session provides an overview of the “It Pays To Care” policy, and how psychosocial care can be applied in the workplace to enhance health and safety programs, strengthen workplace culture and employee wellbeing, and improve health and recovery outcomes for people who experience a workplace injury.
Host : IPTC
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