CTP Weekly Payments — Income Support After a Crash

If you cannot work because of injuries from a NSW motor accident, you may be eligible for weekly payments of statutory benefits — subject to medical certificates, proof of pre-accident earnings, waiting periods, and the insurer’s assessment of capacity.

Weekly payments are not automatic because you feel unfit. They are calculated against scheme formulas and can be reduced if you have other income sources or fail to meet return-to-work obligations when medically cleared.

What the insurer needs to see

• Certificates of Fitness that clearly state capacity for work, hours, and restrictions.
• Employment history: stable job vs casual vs self-employed each needs different evidence.
• Payslips, tax returns, or business records — whatever matches your situation.
• Prompt responses when they ask for clarification; delays pause payments.

Lodgement timing matters

Under MAIA there are rules about claiming statutory benefits within certain periods from the accident. A commonly cited issue is that weekly payments may not be paid for periods before the claim was made if the claim was lodged more than 28 days after the accident, unless an exception applies.

Do not rely on this page for your exact dates — confirm with SIRA’s guidance or a lawyer. If you are close to a deadline, notify the insurer and lodge what you can immediately.

How fault and injury classification change duration

If you were mostly at fault or classified with a minor injury, statutory entitlements (including income support) may run for shorter periods than for a not-at-fault person with a non-minor injury. The insurer should explain the classification and the benefit period in writing.

Disputes over amounts or cut-offs

If payments stop or the rate looks wrong, request the calculation in writing and consider internal review, PIC, or legal advice. On the medical side, updated certificates that accurately reflect capacity often unlock reconsideration.