Question 1

I've forgotten my password. How do I reset it?

Accepted Answer

To reset your password: Go to the WorkCover Connect login page. Select 'Forgot your password' on the right. Enter your details and follow the prompts. We'll email you a link to reset your password to the business email address we have on file. Check your spam folder if you can't see it. If you can't access that email address, call 1300 927 928 and we'll help you log in.

Question 2

I've forgotten my username. How do I find it?

Accepted Answer

To reset your password: Go to the WorkCover Connect login page. Select 'Forgot your username' on the right. Enter your details and follow the prompts. We'll email your username to the business email address we have on file. Check your spam folder if you can't see it. If you can't access that email address, call 1300 927 928 and we'll help you log in.

Question 3

How do I renew my Accident Insurance policy?

Accepted Answer

Each year, you need to do two things to renew your policy and stay covered. Step 1: Tell us your wages Declare your wages in WorkCover Connect between 1 July and 31 August . We use your wages to: calculate your premium check if you're eligible for discounts, including the apprentice discount. To get discounts, you need to declare your wages by 31 August . Step 2: Choose how to pay your premium Once you've received your premium notice, you can: pay in full, or set up monthly, interest-free payments. Key dates that affect discounts and cover 31 August – declare your wages by this date to be eligible for discounts, including the apprentice discount. 16 September – pay in full by this date to get a 3% discount (if eligible). 30 September – final due date to pay and keep your cover. You can set up a payment plan at any time, but you won't get the 3% discount.

Question 4

When can I renew my Accident Insurance policy and pay my premium?

Accepted Answer

You can start renewing your policy from 1 July each year.  You don’t need to wait for us to contact you.  Step 1: Tell us your wages  From 1 July, log in to WorkCover Connect and tell us your wages.  Do this by 31 August to:  access the 3% pay-in-full discount (for premiums over $200) get the apprentice discount, if eligible.  Step 2: Pay your premium  To complete your renewal, pay your premium by:  16 September - to access the 3% pay-in-full discount (for premiums over $200) 30 September - to keep your cover.  You won't be eligible for the 3% pay-in-full discount if you pay after 16 September.

Question 5

Am I covered while renewing

Accepted Answer

Your Interim Certificate of Insurance covers your business while you renew. We send it to you in late May each year. It covers you from 1 July to 30 September . Once you’ve paid or set up a payment plan, we’ll send you your Certificate of Currency . This covers you for the full financial year from 1 July to 30 June . If you set up a payment plan, you can access your Certificate of Currency straight away. Other payments may take up to three business days to appear.

Question 6

When declaring my wages, who do I need to include?

Accepted Answer

Include wages you pay to your workers . This usually includes employees working for you full time, part time and casually.  You may also need to include payments you make to individual contractors . This can include contractors who:  work as part of your business do the same or similar work to your employees work for more than just your business and only do work for you occasionally. These rules depend on how the contractor works with your business. If you're still unsure, read more here or call us on 1300 927 928 for help.

Question 7

What counts as wages?

Accepted Answer

Most payments to your workers count as wages (PDF, 1.31 MB) Include: gross wages or salary (before tax) superannuation, including super salary sacrifice fringe benefits or other entitlements with a dollar value government grant payments paid as part of wages (for example, the Early Childhood Education and Care Worker Retention Payment). Some payments to contractors can also count as wages You may also need to include payments you make to individual contractors. Check the previous question on who to include. If you’re still unsure, call us on 1300 927 928 . Some payments don't count as wages You don’t need to include: reimbursements for work-related expenses (e.g. travel or equipment costs) lump sum termination payments (such as redundancy) excess period payments compensation payments that we reimburse you for as part of a claim payments to directors, trustees or partners even if they’re paid through payroll (PAYG). Read our Wages definition manual (PDF, 1.31 MB) for more details.

Question 8

How do I declare wages online?

Accepted Answer

You can tell us your wages online. It’s the quickest and easiest way for most businesses. You can do this in WorkCover Connect in three simple steps: Register for WorkCover Connect It only takes a minute. Register now . Click ‘Declare your wages’ You’ll see it in the top left once you log in. Tell us your wages Enter last year’s actual wages and your estimate for the year ahead.

Question 9

What happens if my actual wages are higher than what I estimated last year?

Accepted Answer

When you renew, we compare the wages you estimated and the actual wages you paid over the previous financial year. If your actual wages are higher, we might need to adjust your premium to reflect the difference. This helps make sure you’ve got the right level of cover for your workers and business.

Question 10

What happens if I don't declare wages by the 31 August deadline?

Accepted Answer

If you don’t provide your wages by 31 August, we’ll estimate them for you. This means your cover and premium mightn’t be accurate, and you could pay more than you need to. You’ll also miss out on: the 3% pay-in-full discount (for premiums over $200 the apprentice discount, if eligible. If you miss the 31 August deadline, you can still declare your wages in WorkCover Connect until 30 September.

Question 11

I've declared my wages. When will I get my premium notice?

Accepted Answer

Once you give us your wages, we’ll use that information to calculate your premium. In most cases, you’ll get your premium notice straight away. You can also view it in WorkCover Connect once it’s ready. If you don’t receive your premium notice within a week, call us and we’ll help.

Question 12

How is my premium calculated?

Accepted Answer

We work out premiums in the same way for all Queensland businesses. We calculate your premium using: Your wages Your industry classification Your claim costs . Here’s how each one affects your premium. Your wages This includes your: actual wages from the last financial year estimated wages for the year ahead. The more you pay in wages, the higher your premium is likely to be. Your industry classification Every business is given a WorkCover Industry Classification (WIC) based on the main work your business does. Your WIC reflects actual claims data in your industry. If you think your WIC is wrong, call us and we’ll check it with you. Your claim costs We look at the cost of your business’ WorkCover claims over time.

Question 13

How can I check what my premium is likely to be this year?

Accepted Answer

You can use the premium simulator in WorkCover Connect to get an estimate of what your premium might be. Log in to WorkCover Connect Select ‘Insurance’ on the left-hand side Select ‘Premium Simulator’. The simulator will ask you to enter your actual wages for this year and your estimated wages for next year. It then gives you an indicative premium amount, to help you plan and budget ahead. Keep in mind this is an estimate only. Your final premium may change based on: the wages you declare industry rates your claim costs at 30 June. You’ll get your final premium once you tell us your wages and we send you your premium notice.

Question 14

Why has my premium increased if I heard premiums are 'frozen'?

Accepted Answer

You might have heard that workers’ compensation premiums are ‘frozen’ for 2026–27. This means the average premium rate across Queensland has stayed the same. It doesn’t mean that every business will pay the same as last year. Your premium is worked out for your individual business. It can still go up or down each year based on changes in your business. What affects your premium Your premium is based on: your wages your industry’s performance (we call this your WIC ) your claim costs. If any of these change, your premium can change too. Even when the average rate stays the same. What this means for you The ‘freeze’ helps keep premiums stable across Queensland. It doesn’t lock in your individual premium. Changes in your wages, claims or industry can still affect what you pay. If you’re unsure why your premium has changed, we can walk through it with you. You can also log in to WorkCover Connect to see your details and how you compare to your industry.

Question 15

How can I reduce my premium?

Accepted Answer

There are a few ways you can influence how much you pay – both now and over time. Tell us your wages by 31 August Declaring your wages on time means: we don’t need to estimate your wages for you, which could lower how much you pay you can manage your cashflow by choosing to split your premium in monthly interest-free instalments you're eligible for discounts, including our 3% pay-in-full discount (for premiums over $200, if you pay by 16 September) and the apprentice discount. Make sure your information is up to date If your wages or main business activities have changed, tell us. This helps make sure your premium reflects your business correctly. Create a safer workplace Safer workplaces can have fewer workplace injuries and claims. We know this takes time and work, and we’re here to support with that. We offer support to help you improve your workplace safety systems.

Question 16

How can I pay my premium online?

Accepted Answer

You can pay your premium online in WorkCover Connect up to 30 September or within the first 30 days of a new policy. It's the quickest and easiest option for many businesses. If you’re outside these times, use the payment details on your premium notice (for example, BPAY) or call us and we’ll help. Log in or register for WorkCover Connect If you have an account and have forgotten your password, you can reset it securely online. Click ‘Pay premium’ You’ll see this option in the top left once you’ve logged in. Pay or set up a payment plan Follow the prompts to pay or set up a monthly interest-free payment plan. If you set up a payment plan, you can access your Certificate of Currency in WorkCover Connect straight away. Other payments may take up to three business days.

Question 17

What payment options do I have? Can I pay monthly?

Accepted Answer

You can choose a payment option that works for your business. Use WorkCover Connect to: pay your premium online, or set up interest-free monthly payments. You can also pay in full by: BPAY direct debit cheque. Your premium notice includes the details you need to use these payment options.

Question 18

What happens if I don't pay my premium by 30 September?

Accepted Answer

If you don’t pay your premium by 30 September, your accident insurance cover may end. This means: your business won’t be insured and may not be covered for work-related injuries, you may need to pay claim costs plus penalties yourself, and a late payment fee may also apply. If you’ve missed the deadline and are unsure what to do next, call us on 1300 927 928 and we’ll help.

Question 19

I paid my premium monthly last year. Do I need to set this up again?

Accepted Answer

Not usually. If you have a monthly payment plan, it will roll over automatically when you renew your policy. You can check this on your premium notice: If your payment plan is listed on page 2, it will continue and you don’t need to do anything. If it’s not listed, you’ll need to set it up again. You can set up or update your payment plan in WorkCover Connect once you receive your premium notice.

Question 20

Where do I get proof of cover?

Accepted Answer

You can either use your Interim Certificate of Insurance or your Certificate of Currency as proof of cover, depending on where you are in your renewal. While you renew Your Interim Certificate of Insurance shows you’re covered from 1 July to 30 September . We send it to you in late May, or you can download a copy in WorkCover Connect at any time. After you’ve paid or set up a payment plan Once you’ve paid your premium or set up a payment plan, we’ll send you your Certificate of Currency . This confirms your full cover for the year from 1 July to 30 June . You can download a copy in WorkCover Connect at any time.

Question 21

I employ apprentices. How do I know if I'm eligible for the apprentice discount?

Accepted Answer

You’re eligible if: your workers are employed as apprentices under a registered training contract , and you declare your wages by 31 August . Trainees don’t count as apprentices. When you renew, you still need to include apprentice wages when you declare your total wages. We then exclude eligible apprentice wages when we calculate your premium. If you declare your wages after 31 August, the apprentice discount won’t be available for that year. If you’re unsure whether a worker qualifies as an apprentice, we can help you check.

Question 22

I don't employ workers anymore. How do I cancel my policy?

Accepted Answer

You can cancel your policy at any time in WorkCover Connect . To get started, we’ll ask you to declare your wages for the financial year you stopped employing workers. Once that’s done, you can complete your cancellation. If your actual wages are different from what you estimated, we may adjust your premium.

Policy renewal FAQs

Trouble logging in to WorkCover Connect?

Renewing your policy

Declaring wages

Premium calculation and reducing premium

Paying your premium

Apprentice discount

Cancelling your policy