Can I claim for rehabilitation?

The insurance company is obliged to pay for your rehabilitation if they admit fault for your injuries. In some cases, they will agree to pay for some rehabilitation even if they deny fault or have not yet admitted it. They are obliged to make sure that you have access to reasonable and appropriate rehabilitation services.

Rehabilitation Examples

Some examples of rehabilitation are:

• Physiotherapy
• Psychological counselling
• Diagnostic services, e.g. nerve conduction studies, x-rays, scans, and MRIs
• Acupuncture and chiropractic treatment (although these are less commonly accepted by insurers)

The process

1. The insurance company must be satisfied that you require rehabilitation. They may require something in writing, or they may be happy to contact your doctor directly.
2. You will need to see a rehabilitation provider who will prepare a treatment plan. When you see your rehabilitation provider (e.g. physiotherapist):
   • Tell them that you are bringing a CTP Claim
   • Tell them your Claim Reference Number and which insurance company is involved (we will be able to tell you this information once the claim is underway)
   • Ask them to complete a treatment plan and send it to the insurance company for approval.
3. Do not expect the insurance company to pay for any treatment that they have not approved in advance – they usually won’t.
4. Once the insurance company approves the treatment plan, you can start the treatment plan.
5. If you need further treatment, your rehabilitation provider will need to submit a new treatment plan and have it approved in the same way, before proceeding.
6. The rehabilitation provider will send their account directly to the insurance company, and this will be paid for you.
7. The insurance company may refuse to approve a treatment plan if they do not believe the treatment is necessary.
8. The insurance company will appoint an injury management advisor or rehabilitation officer to oversee your recovery. This person’s responsibility rests solely with ensuring you receive the treatment you need and will have nothing to do with the compensation side of your claim. If you have any questions about your rehabilitation, you should speak to this person.

Claimify’s Involvement

Please organise your own rehabilitation directly with the insurance company and your rehabilitation provider. This way, we can concentrate on the claim process and keep your legal costs as low as possible.