Self-insured and registered employers

WorkCover categorises employers into two types: registered and self-insured employers.

Registered employers

WorkCover manages the rehabilitation and return to work of injured workers employed by registered employers, and holds the liability for these claims. About 60% of South Australian workers fall into this category. The day-to-day decisions relating to injured worker’s claims are managed by WorkCover’s claims agent, Employers Mutual, ph 1300 365 105. Employers Mutual can also support health providers by its knowledge of the recovery process within the workers compensation context.

Self-insured employers

While self-insured employers are registered with WorkCover, Employers Mutual does not manage their claims. Self-insured employers are responsible for managing the rehabilitation and return to work of their injured employees and the claims costs and financial liabilities that result from the compensable injuries of their workforce. About 37% of South Australia's workforce is employed by self-insured employers.

A self-insured employer must commit financial and management resources to ensure ongoing compliance with legislation and demonstrate their adherence to the code of conduct set out by WorkCover.

In particular, a self-insured employer must maintain appropriate claims management facilities and expertise.

For more information about self-insured employers click here.