Recovery help you can count on

Workers compensation

NSW Nominal Insurer (icare)

The Nominal Insurer (icare) is the workers compensation scheme in NSW, covering most workplaces (excluding the public sector, self-insured employers, and employers in a specialised insurance scheme). EML is appointed as a Claims Service Provider by icare. Explore the services we offer today.

I’m a worker

I’m an employer

I’m a broker

I’m a provider

icare Insurance for NSW

icare Insurance for NSW and its Treasury Managed Fund covers public sector workplaces, like police, ambulance, and government offices. Discover your support options here:

I’m a worker

I’m an employer

I’m a provider

WorkSafe Victoria

WorkSafe Victoria’s WorkCover scheme is for Victorian companies and employees. Discover your support options under WorkCover:

I’m a worker

I’m an employer

I’m a broker

I’m a provider

ReturnToWorkSA

ReturnToWorkSA covers South Australian workers and businesses. Discover your support options here:

I’m a worker

I’m an employer

I’m a broker

I’m a provider

Comcare

Comcare is for federal employers and workers covering the Commonwealth, ACT Government, or companies licensed under Comcare. Discover your support options under Comcare:

I’m a worker

I’m an employer

I’m a broker

I’m a provider

State-based self insurance

State-based self insurance is for businesses that choose to manage their workers compensation claims, meeting state requirements. Discover your support options if you’re self insured:

I’m a worker

I’m an employer

I’m a broker

I’m a provider

We help people get their lives back

“My goal was to get back to work and get back to life”

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Claims solutions

Accident & Health
Streamlined claims for non-work-related illness and injury, reducing risk, cost, and time to recovery.

Life insurance
Complex life insurance claims sensitively managed with the expertise and care your members deserve.

Superannuation
Expert, tailored management of income protection, TPD, and death claims, protecting your funds and members.

Specialised license management
Complete license management that ensures performance, compliance, and reduces risk.

Long tail claims
Confident, expert resolution of the most complex, long-running claims across every portfolio.

Compulsory third party (CTP)
High-volume CTP claims managed with speed and care and trusted by major insurers.

Expertise, backed by experience

No matter the need, our specialist approach has a solution.
Mutual Benefits

Training
Extensive range of training events and free access to e-learning courses via EMlearning.

Partnerships
Partnering with organisations that are committed to improving lives.

Mental health resource centre
A commitment to supporting workplaces and their employees with mental health resources and training.

Tools
Free online tools designed to simplify workplace health, safety and wellbeing.

Research & Innovation
A commitment to thought leadership, we invest in research to shape best practice in the personal injury industry.

Resources
Access to free workplace health and safety resources, injury management guides and videos.

Mutual Benefits Program

From prevention to recovery, we invest in innovative solutions with industry experts to tackle industry challenges and drive positive change.
News & Community

Proposed NSW reforms bulletin

The NSW Government has announced its intention to introduce reforms that will...

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Supporting superannuation trustees after ASIC’s review

In April 2025, ASIC released its report, “Taking ownership of death benefits:...

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Finalists in the 2025 icare NSW Case Management Awards announced

Congratulations Ali, Catherine, Dakota and Greg for being named finalists in this...

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Protecting workers’ rights and upholding fair payment practices

The Australian Government has legislated a significant legal change with the introduction...

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Awards

2024September

PIEF 2024 Excellence in Personal Injury and Disability Management Awards has shortlisted four EML finalists

2023August

EML’s Nico Coad has won the Excellence in Customer Service Award at this year’s Personal Injury Education Foundation Awards for Excellence in Personal Injury and Disability Management.

2022October

EML’s Robyn Shepherd has won the Excellence in Injury & Disability Management (Return to Work/Community) Award at this year’s Personal Injury Education Foundation Awards for Excellence in Personal Injury and Disability Management.

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Partners & Sponsorship

We sponsor events and partner with organisations that commit to improving lives.

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About us
Who we are

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Leadership and governance

Our corporate governance

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In the community

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Today, we are EML

More than 115 years later, we are still helping people get their lives back

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Work with us

Work with us

Our people thrive on helping others. Make a difference at EML.

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Support for recovery

Recovery help you can count on

When you’re recovering from a work injury or illness, the right support makes all the difference. Whether you’re looking for help to manage pain, guidance on movement, or reassurance from return-to-work experts, you’ll find free resources, videos, and advice here to make your recovery journey easier.

Journey

Our support is tailored to your needs

Making a claim

Click here to get started

Support for claims

Resources for the claims process

Support for recovery

Get the care you need

My Claim App

A free app has been developed by ReturnToWorkSA to help you manage your work injury claim information more easily, and faster. With the My Claim App you can:

Submit your reimbursements for faster processing
Upload and send a copy of your claim information to your Claims Manager
Access these documents in one easy location:
Payslip information
Travel forms
Work Capacity Certificates
Treatment plans
Contact your Claims Manager

If you have an Apple device, download the app from the App Store. If you have an Android device, download the app from the Google Play. Once installed, simply enter your claim details and the app is ready to use. Note: iPhone users will need to ensure their mail app has been set up to allow documents to be sent to the Claims Agent. Need more information? Please speak to your Claims Manager.

Know what to look out for when you experience pain. Variations of pain levels is very common after a musculoskeletal injury. Watch this video to know what to look out for.

There are a range of benefits that come from physical exercise to help tackle some of the symptoms of mental health conditions like PTSD, anxiety and depression. Watch this video to find out more.

Video series

First Appointment videos: what to expect from your clinician

The First Appointment videos help you be mentally and physically prepared to start treatment with a psychologist, psychiatrist and exercise physiologist. The series was developed by EML in consultation with the Black Dog Institute to help set expectations about a first appointment following work-related injury.

Your first appointment: With a Psychologist

Your first appointment: With a Psychiatrist

Your first appointment with an Exercise Physiologist

Relevant materials

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