Free Insurance Claims Advisory for WorkCover & CTP Claims
Complete Allied Health Care (CAHC) offers a free Insurance Claims Advisory service to injured workers, GPs, and case managers navigating WorkCover NSW and CTP motor vehicle accident claims. Our patient management team handles insurer liaison, treatment approvals, claim documentation, and return-to-work coordination so you and your patients can focus on recovery — not paperwork.
CAHC is a SIRA-registered provider across 20 NSW clinic locations, authorised to deliver WorkCover and CTP rehabilitation directly to injured workers under approved claims. The advisory service is free of charge to patients and referring practitioners — CAHC manages the administrative relationship with the insurer directly.
All 9 allied health disciplines are available under a single WorkCover or CTP claim — Physiotherapy, Exercise Physiology, Occupational Therapy, Psychology, Speech Pathology, Dietetics, Podiatry, Chiropractic, and Massage Therapy — coordinated through a single provider relationship across 24 locations in NSW and QLD.
What the Advisory Service Covers
CAHC’s advisory team handles:
- Initial guidance on claim lodgement requirements
- Treatment approval requests submitted directly to the insurer
- Ongoing treatment progress reports
- Coordination with WorkCover case managers and CTP claims officers
- Return-to-work program documentation
- Certificate of capacity liaison with the treating GP
The WorkCover NSW Process — How CAHC Helps
WorkCover NSW covers workers injured in the course of their employment. Here is how CAHC’s advisory service removes friction at each step of the process.
Step 1 — Injury and initial GP visit The injured worker sees their GP, who issues a certificate of capacity confirming the injury and its impact on work capacity. The GP refers the worker to allied health rehabilitation. CAHC’s advisory team can be contacted at this point to begin claim coordination — the referring GP is not required to manage any subsequent insurer contact.
Step 2 — Claim registration and insurer contact CAHC contacts the WorkCover insurer to register the patient and confirm the claim is active.
Step 3 — Treatment approval CAHC obtains insurer approval for the proposed treatment plan before clinical services begin. This protects the patient from unexpected out-of-pocket costs and ensures the insurer is committed to funding the approved services.
Step 4 — Clinical treatment The patient attends CAHC for approved allied health services. The advisory team manages ongoing insurer correspondence throughout the treatment period, including requests for treatment extensions or additional disciplines.
Step 5 — Progress reporting and return to work CAHC provides required progress reports to the insurer and case manager at agreed intervals, and coordinates return-to-work documentation with the employer and GP where clinically appropriate.
For the full WorkCover patient journey, conditions treated, and step-by-step claims guide, see our Workers Compensation page.
The CTP Process — How CAHC Helps
CTP (Compulsory Third Party) insurance covers people injured in NSW motor vehicle accidents. The statutory benefits period lasts 52 weeks from the date of the accident and covers reasonable and necessary treatment costs for the injured person.
CAHC’s advisory team contacts the CTP insurer directly, confirms the claim is active, and obtains treatment approvals before any clinical service begins. Multi-discipline rehabilitation under a single CTP claim is available: Physiotherapy, Exercise Physiology, Occupational Therapy, Psychology, and other approved disciplines can all be delivered through CAHC — the advisory team coordinates the entire allied health component without requiring the patient to manage multiple referrals.
All progress reports and insurer correspondence throughout the 52-week statutory benefits period are managed by CAHC’s patient management team. There is no upfront cost for patients on approved CTP claims — the CTP insurer is billed directly by CAHC.
For the full CTP patient journey, step-by-step claim guide, and FAQ, see our CTP Process page.
For GPs and Referring Medical Practitioners
For GPs, the most common point of friction in a WorkCover or CTP referral is what happens after the patient leaves the practice: insurer approvals, treatment progress reports, capacity updates, and return-to-work correspondence. CAHC’s advisory team absorbs all of this administrative burden on behalf of the referring practice.
After a GP refers a patient to CAHC for WorkCover or CTP rehabilitation, the patient management team contacts the insurer directly. The GP receives a copy of the treatment plan and progress reports at agreed intervals. No ongoing insurer contact is required from the GP’s side.
Because CAHC is SIRA-registered, GPs can refer to CAHC with confidence that insurer billing and correspondence will be handled correctly. A single referral to CAHC can cover Physiotherapy, Occupational Therapy, Exercise Physiology, and Psychology within the same network — reducing the administrative overhead of managing multiple providers across multiple referral relationships.
For Case Managers and Insurers
CAHC works directly with WorkCover NSW case managers and CTP insurers to deliver timely treatment reports, respond promptly to correspondence, and coordinate return-to-work programs. The patient management team is the single administrative point of contact for all insurer-facing communication.
For case managers managing injured workers across multiple providers, CAHC’s multi-discipline network offers a practical advantage: nine allied health disciplines across 24 NSW and QLD locations under a single provider relationship means consistent reporting standards and a single intake contact for all administrative matters.
Submit a referral
For Injured Workers — What You Need to Know
If you have been injured at work or in a motor vehicle accident, CAHC can help you access the allied health rehabilitation you need — and take care of the insurer paperwork so you can focus on your recovery.
You do not need to understand how WorkCover or CTP works before you contact us. CAHC’s advisory team will explain the process, confirm your claim is active with the insurer, and obtain treatment approvals before your first appointment. There is no upfront cost for approved WorkCover or CTP rehabilitation at CAHC — the insurer is billed directly.
To get started, it helps to have: your GP’s certificate of capacity, your claim number, and any correspondence you have received from the insurer. If you do not yet have these, CAHC’s team can help you understand what is needed and how to obtain it.
All Disciplines Available Under WorkCover and CTP
CAHC’s SIRA-registered allied health team can deliver the following disciplines under approved WorkCover NSW and CTP claims — all coordinated through a single provider relationship.
Physiotherapy Musculoskeletal assessment and treatment for workplace and motor vehicle injuries, including fracture management, soft tissue injuries, and return-to-work functional rehabilitation. AHPRA registered.
Exercise Physiology Functional capacity conditioning and return-to-work exercise programs for injured workers, particularly for progressive loading following musculoskeletal injury. ESSA accredited.
Occupational Therapy Workplace assessments, ergonomic evaluations, functional capacity assessments, and return-to-work planning. Hand therapy for upper limb injuries is a common WorkCover OT referral. AHPRA registered.
Psychology SIRA covers psychological injury arising from workplace incidents. CAHC Psychologists provide assessment and treatment for approved WorkCover psychological injury claims, and for CTP-related psychological injury and adjustment. AHPRA registered.
Speech Pathology Available for CTP claimants with communication or swallowing difficulties arising from motor vehicle accidents, including acquired brain injury and head and neck trauma. SPA member.
Dietetics Nutritional support for injured workers with complex recovery needs.
Podiatry Available for WorkCover and CTP claims involving lower limb injuries. AHPRA registered.
Chiropractic AHPRA registered.
Not sure which disciplines are approved under your claim? CAHC’s advisory team can liaise with your insurer to confirm the treatment plan and obtain approvals across all relevant disciplines.
Frequently Asked Questions (FAQs)
CAHC’s Free Insurance Claims Advisory is a free service for injured workers, GPs, and case managers navigating WorkCover NSW and CTP motor vehicle accident claims. The service handles insurer contact, treatment approval requests, progress reporting, and return-to-work coordination on behalf of patients and referring practitioners — at no charge to the patient or referrer. CAHC manages the administrative relationship with the insurer directly so patients can focus on their recovery and GPs are not drawn into ongoing claims correspondence.
Yes. CAHC is a SIRA-registered provider across its NSW clinic network. SIRA (State Insurance Regulatory Authority) registration authorises CAHC to deliver WorkCover allied health services and bill WorkCover insurers directly without routing payments through the patient. GPs and case managers can verify CAHC’s registration status at sira.nsw.gov.au.
The process begins with your GP, who will issue a certificate of capacity confirming your work-related injury and its impact on your capacity to work. Your GP then refers you to allied health rehabilitation. From there, contact CAHC — our advisory team will contact your WorkCover insurer, confirm the claim is active, and obtain treatment approval before your first appointment is scheduled. There is no upfront cost for patients on approved WorkCover claims: CAHC bills the insurer directly.
CAHC manages all CTP insurer contact on your behalf. When you contact us with a CTP claim, the advisory team confirms your claim with the insurer and obtains treatment approvals before any clinical service begins. Multi-discipline rehabilitation — including Physiotherapy, Occupational Therapy, Exercise Physiology, and Psychology — can all be coordinated under a single CTP claim through CAHC. We manage all progress reports and insurer correspondence throughout the 52-week statutory benefits period.
For approved WorkCover and CTP claims, CAHC bills the insurer directly — there is no upfront cost to the patient for approved services. If your claim has not yet been approved, or if any part of a treatment plan falls outside the insurer’s approval, CAHC’s advisory team will discuss the options with you before any service is delivered. Please note that CAHC cannot guarantee insurer approval for all treatment requests — this decision rests with the insurer.
If your WorkCover claim is disputed, CAHC can continue to support your ongoing clinical treatment as agreed with the insurer; however, CAHC’s advisory service handles administrative coordination only — it does not provide legal advice or represent patients in claims disputes. If your claim is disputed, you should contact a WorkCover lawyer, your union, or SIRA directly at 13 10 50 or sira.nsw.gov.au for guidance on your rights and next steps.
Yes. Multiple allied health disciplines can be approved under a single WorkCover or CTP claim, and CAHC coordinates the full multi-discipline care plan with the insurer. Common combinations include Physiotherapy, Occupational Therapy, and Exercise Physiology for musculoskeletal injuries, and Physiotherapy combined with Psychology for psychological injury claims. CAHC’s advisory team manages approval requests across all disciplines through a single point of contact.
CAHC absorbs all insurer correspondence on behalf of the referring GP’s practice. After a referral, the GP receives the treatment plan and progress reports at agreed intervals — no ongoing insurer contact is required. Because CAHC is SIRA-registered, WorkCover referrals are processed correctly and billed directly to the insurer. Referring once to CAHC allows the GP’s patient to access multiple disciplines within a single network, reducing the number of separate referral relationships the practice needs to manage.
Yes. Return-to-work coordination is part of CAHC’s WorkCover services. The Occupational Therapy and Exercise Physiology teams provide functional capacity assessments and graduated return-to-work programs tailored to the worker’s capacity and the employer’s operational requirements. CAHC liaises with the employer and case manager on return-to-work documentation as appropriate.
Yes. SIRA covers psychological injury arising from workplace incidents. CAHC Psychologists provide assessment and treatment for approved WorkCover psychological injury claims, available both in-person and via telehealth. CAHC’s advisory team handles insurer approval for Psychology services alongside any other approved disciplines.
Once insurer approval is confirmed, CAHC aims to schedule the first appointment as quickly as clinically possible. Urgent cases can be flagged to the advisory team for priority processing — please advise when making initial contact if your case is time-sensitive. Turnaround times may vary depending on insurer approval timelines.
The Workers Compensation page and CTP Process page explain the clinical pathway: what conditions are treated, what rehabilitation involves, and the step-by-step process for patients entering the claims system. This page explains the Free Insurance Claims Advisory that runs alongside that clinical care — the administrative service that handles insurer paperwork, treatment approvals, progress reporting, and case manager liaison. Both services — clinical and advisory — are part of CAHC’s integrated WorkCover and CTP offering.
Our Clinics
CAHC’s WorkCover and CTP advisory service is available across all 20 NSW clinic locations and 4 QLD clinics — find your nearest clinic below.
Related Services
For more detail on specific WorkCover and CTP services at CAHC, see the pages below.
- Workers Compensation → The full WorkCover NSW clinical pathway — SIRA-registered rehabilitation for workplace injuries
- CTP Process → The full CTP motor vehicle accident rehabilitation process — step-by-step from claim to recovery
- Physiotherapy → AHPRA-registered Physiotherapy — the most common WorkCover and CTP allied health service at CAHC
- Occupational Therapy → WorkCover hand therapy, functional capacity assessments, and return-to-work planning
- Psychology → SIRA-registered WorkCover Psychology for psychological injury claims
- Exercise Physiology → Functional capacity conditioning and return-to-work exercise programs under WorkCover and CTP
