The Work Cover laws in Australia are based on a “no blame” scenario. The worker, if s/he was a worker going about their work, is automatically covered by Work Cover. There are no questions asked about whether or not the worker contributed to his/her own injuries.
The trouble with “no blame” is that someone still has to pay, and Work Cover is an insurance scheme for which the premiums are paid by the employer. For that reason alone, there should be some recognition given to contributory negligence by the employee, even if it is unintentional.
Let me expand on that last comment. If an employer has fulfilled his duty of care and identified a risk, provided controls and training in a task for which the worker has signed off, and the worker is subsequently injured doing the task in a way that is not approved in the safe work instructions and was not the way he was trained to do it, there should be some contribution by the worker towards his own compensation.
But the system, as it now stands, says there is no blame attributable to the worker and s/he is entitled to full compensation. In fact, if the matter goes to court the blame is passed back to the employer, for failing to ensure that the worker could not do the task in the incorrect manner. No acknowledgement that adults can and do have their own ideas on what is the right way or the wrong way, that they don’t necessarily accept the training they are given or have any intention of doing it that way, and that the “human factor” is an aggravating circumstance in many injuries.
Here’s a couple of examples. Recently, not 24 hours after refresher training which included direction of travel was given and signed off by all forklift operators, I spotted an operator moving forward with a double-stacked load – which be obviously could not see around!
In another instance, a mature aged driver hopped into the cab of a truck to move it without checking that the trailer behind him was actually attached – and dropped the trailer. It was not attached, the legs were not down – and it was his responsibility as driver to ensure the safe operation of his vehicle. He had recently completed coupling training and signed off on it.
If there was injury from either of these incidents, why should the employer be held responsible for the failure of the worker to work as trained and instructed?
In another recent example, a worker turned up at work with non-issue non-safety boots, and subsequently incurred an injury. He commented that there was nowhere in the employer’s documentation that specified what a safety boot was – which was factually incorrect, because the employee handbook said that workers are required to wear issued PPE, issued boots were specifically AS compliant, and he had chosen not to wear them. However, Work Cover still covered his injury which means that the company paid the price of his ignorance.
Recent comment has centered on the growing potential for age-related claims as the workforce gets older. Degenerative and age-related conditions should not be covered. End of story. No discussion. But they are.
The Work Cover system in Australia is a shambles and totally inequitable. Unless and until it is revised to provide fair coverage for actual work injuries instead of just a slush fund for everything under the sun, it will be bankrupt before long.
And if Work Cover isn’t bankrupt, many employers who feed the monster will be.