Published 06 Jul 2016
Injuries can happen at any time or anywhere, and you don't necessarily have to suffer an accident in the workplace to make a total and permanent disability (TPD) or income protection claim.
However, there are some industries that have much higher rates of injuries and deaths than others. Employees in these professions may wish to check their insurance coverage to ensure they don't encounter any nasty surprises should they need time off work due to poor health.
Australian Bureau of Statistics (ABS) figures showed 531,800 people sustained a work-related injury or illness between July 2013 and June 2014, representing 4.3 per cent of all people with a job during that period.
Let's take a closer look at which industries appear to be the most dangerous in the country, according to the ABS and Safe Work Australia (SWA).
The ABS report said manufacturing is the sector that reported the highest incidences of injury and sickness among staff. Out of every 1,000 employees, 82 suffered an accident or illness during work hours over the 12-month period assessed. SWA statistics revealed there were 10 deaths in manufacturing workplaces last year, but none have occurred so far in 2016.
Transport, postal and warehousing
Injuries, sicknesses and deaths across this industry featured highly on both ABS and SWA databases. Personnel reported work-related injuries and illnesses at a rate of 76 per 1,000 in the ABS figures, while SWA said 24 people have already been killed in the first six months of this year.
Agriculture, forestry and fishing
With 72 cases of injury or illness per 1,000 people and 21 deaths in the year to date, agriculture, forestry and fishing is another industry group that has the dubious honour of being one of Australia's most dangerous. Tragically, more people lost their lives in this industry than any other in 2015, with 56 fatalities.
How do I make a claim?
If you have suffered an injury or illness during your time in the workplace, you may be entitled to a payout through an insurance or superannuation scheme.
Many people have TPD or critical illness cover included in their super policy, for example. The lump sum payments available via a claim could provide essential financial support for medical bills, lost income and a range of other expenses linked to your accident or sickness.
Would you like to learn more? Please get in touch with Gerard Malouf & Partners for a free consultation.