ReturnToWork SA
is your Nominal Insurer South Australia
ReturnToWork SA is the name of the Workers Compensation Nominal Insurer in South Australia, which is provided by the South Australian government. All businesses that have deemed workers in South Australia and pay over $14,920 per year in renumeration must comply with this compulsory Injury Insurance requirement and register for cover within 14 days of qualifying.
Quick Quote Tips
NSW Workers Compensation
Quick Quote Tip #1
Business Primary Activity
Your Workers Compensation Premium is determined by your "Primary Business Activity" and your “South Australian Industry Classifications” Code, which is the basis of your Quick Quote and your premium. When requesting a Quick Quote, provide as much detail as possible about your business activities. There are more than 528 business activity categories in South Australia, so it is essential to select the right one for your business.
Quick Quote Tip #2
Number of Deemed Workers
A deemed worker is a person who is considered a worker for workers compensation purposes, In South Australia. Deemed workers include Working Directors, employees, apprentices, trainees and some independent contractors. It is important to remember that the number of deemed workers and their wages that you provide when requesting a quick quote are only estimates.
GJN Industries
"The team at Employers Comp have fantastic customer service, nothing is ever too hard."
Quick Quote Tip #3
Estimate of Wages
An estimate of wages is the expected amount you plan to pay your deemed workers over a financial year. This includes salaries, wages, bonuses, superannuation, and other Rateable Renumeration made to your deemed workers. Sometimes, it also covers payments made to contractors. You need to report this information to RetunToWork SA annually by the September 15. Employers Comp does this process for you, saving you time to focus on your business.
Quick Quote Tip #4
Eligibility Check
Before giving you a Quick Quote, our team will do an Eligibility Check for you. In South Australia, some sole operator businesses are required to have a ReturnToWork SA Injury Insurance cover, while others aren’t. For instance, if you are a Working Director of a Company (PTY LTD with ACN), you receive a wage you don't employ any other workers, you will probably need to get an ReturnToWork SA Policy for yourself.
Handz Constructions
"I am very happy with the team at Employers Comp, they are extremely prompt and supportive"
Adams Mowing
"Employers Comp saved me time and money, it is a must for any business."
When you receive a wage audit notice, it's crucial not to disregard it. It is a legal notice. Employers Comp, provides assistance by serving as your representative. They will work closely with you to ensure compliance with all statutory obligations. Reach out to Employers Comp for some complimentary non billable initial advice.
How We Help
Cover Set Up
We review your specific needs to provide you with tailored, compliant Workers Compensation insurance protection.
Actual Wages
We provide you with support in declaring your Actual Wages, Wage Audits, Contractor Testing and Deemed Worker assessments.
Unlimited Advice
Our team of experts provides you with the Unlimited Advice and guidance to help you navigate the complex world of Workers Compensation.
Renewals
Unlimited support to manage your Renewal. This includes our Representation Guarantee, supporting you through the renewal audit process.
How we Help
Employers Comp has assisted thousands of businesses in managing their Workers Compensation Insurance compliance. We assist our clients by providing the following nine core services.
Cover Set Up
We review your specific needs to provide you with tailored, compliant Workers Compensation protection.
Premium Payments
We help you manage your WIC Codes and payments to ensure you can afford your cover and avoid penalties and fines.
Actual Wage Declarations
We link with your Payroll and Accounting Software to ensure you declare your Actual Wages correctly and compliantly on time.
Contractors Compliance
Not all contractors are your deemed workers. But some are and they need to be included in your policy. We take the headache away.
Renewals
Unlimited support to manage your Renewal. This includes our Representation Guarantee, supporting you through the renewal audit process.
Registrations
Registering a new company, policy or claim we provide you with ongoing advice to save you time and provide you with peace of mind.
Documents
Have access to your documents 24/7. No matter where you are you have access to your policy documents on the go.
Wage Audits
Thousands of employers every year are audited by their Workers Compensation regulator. We represent you in the process.
Advice
Our team of experts provides you with the Unlimited Advice and guidance to help you navigate the complex world of Workers Compensation.
Compliance made easy for your business.
No matter your industry, we've got the perfect plan to suit your needs.
ReturntoWork SA
Definitions
What is a SAIC Code
South Australian Industry Classification code (SAIC)
A SAIC code is a crucial part of your ReturnToWork SA program. Your premium in South Australia is based on the SAIC code allocated to your business. If your business changes its primary activity, then your SAIC code may change. It is important to ensure your business has the correct SAIC code allocated to it to avoid overpaying or underpaying on your Injury Insurance Premiums. Using a Workers Comp specialist like Employers Comp will assist you in ensuring you are paying the correct SAIC code related to your business.
What is a Deemed Worker?
It’s Complicated!
A Deemed Worker is an individual who is “deemed to be a worker” for Workers Compensation purposes. This will include Full-Time, Part-Time and Casuals employees in your business. This will include some Directors in your business, and in some situation's Independent Contractors. When renewing your ReturnToWork SA Policy it is the obligation of the employer to include all relevant Deemed Worker remuneration a business has paid when declaring its Actual Wages. Using a specialist like Employers Comp will assist you in ensuring you declaring your Wages accurately and on time to ensure you comply with your ReturnToWork SA obligations.
What is PIAWE?
Pre-Injury Average Weekly Earnings
If an injured worker is unable to perform their pre-injury job, or suitable alternative duties, as a result of a work-related injury or illness, any weekly compensation that may be payable is calculated by reference to the workers Pre-Injury Average Weekly Earnings (PIAWE). When a claim is registered with your claims Agent, your Agent is required to obtain the last 12 months of an injured Workers Payslips to Determine the injured workers PIAWE.
What is an Employer Remuneration Return?
A Government Submission
As an employer and policy holder you are required to declare how much Rateable Renumeration you have paid to your workers annually, through an Employer Remuneration Return. This is a formal government submission. This step is crucial because it helps ReturnToWork SA calculate a premium that's both fair and accurate for your business, making sure you are paying the right amount of premium on your Injury Insurance based on your actual wages paid. It's a record keeping requirement that all Policy Holders are responsible of providing. Employers Comp takes this headache away so you can focus on your business.
Phoenix Hotel
"I really appreciate the support from Employers Comp, which is really helpful and valuable for a business like ours."
