The first weeks after a crash are busy, and the CTP claim can slip down the list. It shouldn't. People in Claymore face the same deadlines as everyone in NSW: 28 days for back-paid weekly payments and 3 months to claim at all, with only limited exceptions. We can check where your claim is up to for free, and point you to legal or medical help only where it's actually needed.
Macarthur & Wollondilly · CTP claims
How to lodge and run a CTP claim in Claymore
Lodge on time, keep the right papers, understand your payments. Get free help if anything goes sideways.
Postcode: 2559
- Free claim check, no obligation
- By phone & online, no office to visit
- Helping people in Claymore & Eagle Vale
Claymore: treatment, paperwork and your claim
If you travel to work on the Hume Motorway or the Airport & South Line and the injury has stopped that, have your payslips and employer contact ready. The insurer needs them to work out weekly payments. If Campbelltown Hospital admitted you, note the dates of your stay and when you were discharged. Days in hospital are days you couldn't work, and the insurer will want them on the claim form alongside your first Certificate of Fitness. At roughly 42 km from the Sydney CBD, Claymore is no further from the CTP system than anywhere else. The Service NSW claim form is online, insurers work by phone and email, and our claim check is by phone and online.
- Region
- Macarthur & Wollondilly
- Postcode
- 2559
- Nearest public hospital
- Campbelltown Hospital
- From the Sydney CBD
- ~42 km
Your first months: the CTP claim timeline
From the day of the crash to the two-year mark, this is how a typical claim for statutory benefits is timed. Your own claim may differ, especially if the insurer disputes something.
Day 0
The accident
Your health comes first, then the paperwork. Report the accident to police, keep the event number, and write down the date, time and place while they're fresh, since the claim form asks for all three.
Within 28 days
Lodge your claim
The 28-day mark is the one to aim for: claims received by then generally have weekly payments back-paid to the day after the accident. Lodging sooner also means the evidence is fresh.
Within 14 days of your explanation
A late claim, explained
For accidents from 1 April 2023, a claim made after 28 days but within 3 months may still be back-paid if you give a full and satisfactory explanation. If the insurer doesn't reject it within 14 days, it's treated as accepted.
Within 3 months
The last point to claim
Three months after the accident is the practical cut-off. Later claims can only be accepted in limited circumstances, usually with a full and satisfactory explanation. If you're past it, speak to a lawyer straight away.
Weeks 1–13, then 14+
Weekly payment rates
For the first 13 weeks, payments are up to 95% of what you earned before the accident. After week 13 the rate becomes up to 80% or 85%; your earning capacity decides which. A legislated maximum applies.
52 weeks
The threshold and at-fault line
At 52 weeks, people with a threshold injury, and people wholly or mostly at fault, generally stop receiving weekly payments and treatment and care. For accidents between 1 December 2017 and 31 March 2023, that limit was 26 weeks.
104 weeks
Weekly payments generally end
At the 104-week mark, weekly payments generally end. They can run longer only while a common law damages claim is pending, and how much longer depends on the level of impairment.
General information, not legal advice. Dates depend on your accident date and circumstances. Rules change, so check the current rules.
Lodging your claim: the practical steps
You can lodge a claim for statutory benefits online through Service NSW, or directly with the relevant CTP insurer. If you're not sure which insurer that is, CTP Assist (1300 656 919) can help you identify it. The form asks about the accident, your injuries, your work and the treatment you've had so far, so have those details close by.
Not sure which insurer?
CTP Assist, run by SIRA, can help you work out which CTP insurer to claim against. Call 1300 656 919, 8:30am to 5pm weekdays.
Read next:CTP formsThe personal injury claim form
What you'll need to lodge
Think of the claim as three bundles of evidence: what happened, what it did to your body, and what it's costing you. The first is police and vehicle details. The second is hospital records and your Certificate of Fitness. The third is proof of earnings and receipts. Lodge on time even if one bundle isn't complete yet.
- Police event number
- Registration numbers of the vehicles involved
- Your Certificate of Fitness
- Your employer's name and contact details
- Names and numbers of any witnesses
Read next:Checklist: your first 30 days
When the 52-week limit applies
The 52-week limit isn't only about threshold injuries. For accidents from 1 April 2023, it generally applies too if you were wholly or mostly at fault, whatever your injury. For accidents between 1 December 2017 and 31 March 2023, both limits were 26 weeks instead. Children who were 16 or under at the time of the accident are an exception: they can receive treatment and care for as long as they need it, regardless of fault.
Read next:Threshold vs non-threshold injury
The Certificate of Fitness
Ask your GP for a Certificate of Fitness at your first visit after the crash, and keep getting updated ones while you're off work or on reduced hours. Gaps between certificates can cause gaps in payments. If your doctor isn't familiar with CTP forms, a practitioner who knows the scheme can make the process easier.
Read next:The Certificate of Fitness
Do you need a lawyer to make a CTP claim?
Plenty of claims run from start to finish without legal help. A few need it early. If you recognise your situation below, you'll have a fair idea where you stand.
Often worth talking to a lawyer
- The insurer has refused to accept the claim
- You've been asked to sign a release or settlement
- The insurer says you were mostly at fault
- Your injury has been classed as threshold and your doctor disagrees
You may not need one
- You just need to know which insurer to claim against
- Your weekly payments arrive on time and the amount looks correct
- The insurer has accepted your claim
Treatment is often the first gap, not legal help. We can connect you with doctors and allied health experienced with CTP claims, from the Certificate of Fitness to physiotherapy and psychology.
Not quite your situation?
- If you're still working out what kind of claim you have after the crash, the car accident claim page for Claymore sorts that out first. Car accident claim in Claymore
- If your main question is whether to bring in a lawyer, the CTP lawyer page for Claymore explains when legal help is worth it. CTP lawyer in Claymore
- If the insurer has already refused your claim or cut off payments, the page on denied claims covers the review steps and deadlines. CTP claim denied in Claymore
Free claim check
Check your claim before the deadline
Call (02) 7238 7379 or start online. A free claim check helps you lodge on time and spot problems early.
Dealing with the insurer day to day
Insurers make decisions under the scheme rules, and your case manager is the person who passes them on. Most contact is routine: updated certificates, treatment approvals, payment questions. Reply promptly, keep copies of what you send, and ask for written reasons for any decision you don't understand. You can challenge decisions if you need to.
- Send updated certificates before the old one runs out
- Note the date on any decision letter
- Ask what a request is for if it's unclear
Weekly payments and treatment
Income support is the part of a CTP claim most people ask about first. The insurer can only pay the right amount if it knows what you earned before the accident and what you can earn now, so send your earnings records early and tell it about any return to work. A maximum weekly amount applies and is indexed every year, so check the current figure with the insurer rather than relying on an old one.
Keep in mind that treatment funding is a decision, not a given. Your treating team sends requests, and the insurer considers whether the treatment is reasonable and necessary. Keep receipts for anything you pay yourself. If a request is declined, you can ask for an internal review, generally within 28 days of receiving the decision.
Rules change
Benefit rules depend on your accident date and have changed over time. This is general information; check the current rules or ask CTP Assist.
Read next:CTP weekly paymentsCTP entitlements
Signs your claim needs more than a form
Many people lodge and manage a CTP claim on their own. It's worth getting help when the insurer refuses the claim, classifies your injury as threshold when your doctor disagrees, stops payments, or argues about fault. It's also worth asking a lawyer about damages if your injury is more than threshold and someone else was at fault.
Read next:What help do I need?
Frequently asked questions
The insurer generally acknowledges the claim, gives you a claim number and assigns a case manager. It may ask for more information, such as payslips or your consent to obtain medical records, and it then decides whether to accept the claim and start weekly payments and treatment approvals. Keep sending updated Certificates of Fitness and answer requests promptly. Decisions should come with reasons, and most can be reviewed if you disagree.
The insurer generally pays for treatment and care that is reasonable and necessary for your accident injuries, within the benefit periods that apply to you. That can include some travel to and from treatment. Each request is a decision rather than a given, so check before you commit to large costs and keep every receipt. If a request is declined, you can ask for a review.
Yes. A claim made within 3 months of the accident is still possible, but weekly payments may then run only from the date you claimed. For accidents from 1 April 2023, if you give a full and satisfactory explanation for the delay, you may still be paid from the day after the accident. An explanation the insurer doesn't reject within 14 days is treated as accepted.
No. Most people can lodge a CTP claim themselves, online through Service NSW or with the insurer, and CTP Assist can help with questions for free. A lawyer becomes more useful if the claim is refused, if you're outside the time limits, if the insurer disputes your injury or fault, or if you may have a damages claim. Our free claim check can tell you which applies.
Only in limited circumstances, usually where there's a full and satisfactory explanation for the delay. The rules are strict and depend on your facts. Speak to a lawyer straight away if you're outside 3 months, and gather anything that shows why you couldn't claim sooner, such as a hospital stay, a period when you couldn't manage your affairs or a symptom that only appeared later.
Generally up to 104 weeks, or 2 years. For a threshold injury, or if you were wholly or mostly at fault, they generally stop at 52 weeks for accidents from 1 April 2023. Beyond 104 weeks, payments continue only in limited cases where a damages claim is still pending, which how compensation works explains. Keep your Certificates of Fitness current throughout, because gaps can interrupt payments.
CTP claims: suburbs near Claymore
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CTP Lawyer is not a law firm. This page is general information, not legal advice; the independent lawyer you speak with can advise on your own situation.