Most CTP claims begin the same way: an accident, a visit to the doctor and a form. What happens next depends on your injury, your work and the insurer's decisions. This guide explains each stage for people in Theresa Park, with honest notes on when you can manage alone and when it's worth getting help from a lawyer, a doctor or allied health.
Macarthur & Wollondilly · CTP claims
Starting a CTP claim after a crash near Theresa Park
The 28-day and 3-month deadlines, the Certificate of Fitness and weekly payments, explained plainly.
Postcode: 2570
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- Helping people in Theresa Park & Cobbitty
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
Lodge your claim for statutory benefits within 28 days of the accident so weekly payments can generally be back-paid to the day after. You can lodge through Service NSW online or with the CTP insurer.
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
For accidents from 1 April 2023, statutory benefits for a threshold injury, or where you were wholly or mostly at fault, generally end 52 weeks after the accident. Children 16 and under keep treatment and care as long as needed.
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.
Getting your claim in
Before you lodge, report the accident to police if you haven't already. The claim form generally asks for the police event number, and the insurer will usually want to see that the crash was reported. Then complete the form online through Service NSW or with the insurer, attaching your Certificate of Fitness if you already have one.
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
Threshold injuries and your benefit period
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
Starting your claim from Theresa Park
Treated at Campbelltown Hospital, Camden Hospital or Liverpool Hospital? Your claim moves more easily if those records are ready when the insurer asks. A written request to the hospital is usually the way to get them. Theresa Park is about 19 km north-west of Campbelltown, but there's nowhere you need to drive. Claims can be lodged online through Service NSW, and our claim check runs by phone and online, so you can deal with it all from home.
- Region
- Macarthur & Wollondilly
- Postcode
- 2570
- Public hospital in the region
- Campbelltown Hospital
- Distance to Campbelltown
- ~19 km
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Why the Certificate of Fitness matters
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
What statutory benefits cover
Weekly payments replace part of your income while the injury keeps you off work or on reduced hours. The insurer sets your rate from what you earned before the accident, so give it the full picture from the start: every job you held and the hours you usually worked. A legislated maximum applies and is indexed each year, so the cap itself changes over time.
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
The scheme has changed more than once since 2017. What applies to you depends on your accident date, so check the current rules before relying on any detail.
Read next:CTP weekly paymentsCTP entitlements
Your claim paperwork checklist
You don't need a perfect file to lodge. Start with the basics you have, then add documents as they arrive. Insurers generally ask for more information later, and it's better to lodge within 28 days with a gap in the paperwork than to wait for every page and lose back-pay.
- Date, time and place of the crash
- Registration numbers of the vehicles involved
- Recent payslips, tax returns or business records
- Your employer's name and contact details
- Receipts for treatment, medication and travel
Read next:Checklist: your first 30 days
Your case manager and what to expect
Your case manager will ask for updated Certificates of Fitness, may request medical reports and may arrange an assessment with a doctor the insurer chooses. Attend any assessment you're asked to, and keep your own notes afterwards. If you think a decision is wrong, ask for an internal review rather than letting it sit.
- Keep copies of everything you send
- Reply to requests promptly
- Note the date on any decision letter
Signs your claim needs more than a form
Help comes in different forms. For treatment and medical evidence, doctors and allied health practitioners who know the CTP scheme are often the right first call. For disputes and damages, an independent CTP lawyer. For general questions, CTP Assist on 1300 656 919. Our free claim check helps you work out which of these you need.
Read next:What help do I need?
Is this a claim you can run yourself?
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
- Weekly payments stopped earlier than you expected
- Your claim went in more than 3 months after the accident
- The insurer says you were mostly at fault
- Another driver was at fault and your injury is more than threshold
You may not need one
- Your treatment requests are being approved
- The insurer has accepted your claim
- Your injury is healing well within the first months
If your claim is stuck because the paperwork from your treating team is thin, doctors and allied health familiar with CTP claims can help with a clear Certificate of Fitness, records and treatment plans.
Not quite your situation?
- If you're not sure a CTP claim is even the right claim, for example because only your car was damaged, start with the car accident claim page. Car accident claim in Theresa Park
- If you're weighing up whether your claim needs a lawyer at all, the CTP lawyer page covers when one helps and when it doesn't. CTP lawyer in Theresa Park
- If a decision has already gone against you, the claim denied page explains internal review and what comes after it. CTP claim denied in Theresa Park
Frequently asked questions
Most people use the Service NSW online form, and you can also lodge directly with the relevant CTP insurer. The form asks about the accident, the police event number, your injuries and treatment, and your work and income. Attach a Certificate of Fitness from your doctor if you have one. Aim to have the claim in within 28 days of the accident, so weekly payments can generally be back-paid to the day after it.
They're a percentage of your pre-accident earnings: up to 95% for the first 13 weeks, then up to 80% or 85% from week 14, depending on your earning capacity. They're subject to a legislated maximum weekly amount that is indexed each year, which is why we don't quote a dollar figure. The insurer works out your rate from your earnings information, so make sure it has the full picture.
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.
Start with the police event number, the registration of the vehicles involved, your Certificate of Fitness and proof of your earnings, such as payslips or tax returns. Hospital discharge summaries, receipts for treatment and medication, and witness details help too. You don't need everything to lodge. It's better to lodge on time and send extra documents when the insurer asks for them.
Generally yes, if your doctor says you can. Your Certificate of Fitness records your capacity for work, and weekly payments may be adjusted to take account of what you earn after the accident. Tell the insurer about any work or income straight away. Returning to suitable work, at a pace your doctor supports, is often part of recovery.
A case manager is usually your main contact at the insurer. They handle your weekly payments, treatment requests and updated certificates, and they pass on the insurer's decisions. Keep a note of each conversation and ask for important decisions in writing. If you disagree with a decision, you can ask for an internal review, generally within 28 days.
CTP claims: suburbs near Theresa Park
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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.