About SIRA
In NSW, both Compulsory Third Party (CTP) insurance claims and Workers Compensation (WorkCover) are regulated by the State Insurance Regulatory Authority (SIRA). SIRA oversees how these schemes operate to ensure fair access to support, treatment, and compensation.
- Workers’ Compensation (WorkCover): for people injured at work
- CTP Insurance (Compulsory Third Party): for people injured in motor vehicle accidents
- Home Building Compensation: not directly relevant to psychology, but included for completeness
About CTP
CTP insurance provides support for people injured in motor vehicle accidents. It covers treatment and care costs regardless of who was at fault.
What CTP Covers
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Medical treatment and rehabilitation
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Income support if injuries affect ability to work
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Care and assistance needs
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Lump-sum compensation in certain cases
How CTP Works
When someone is injured in an eligible motor accident, they can lodge a claim with the at-fault driver’s insurer (or their own insurer in some cases). SIRA regulates the process to ensure fair and timely support.
Why CTP Matters
CTP ensures people can access essential care following a motor accident and helps reduce the financial impact of injuries.
Relevance for Psychologists
For psychologists, the two systems that matter most are WorkCover and CTP. SIRA sets the rules and standards for healthcare providers offering treatment under these schemes.
To treat WorkCover or CTP clients, psychologists must be SIRA-accredited. Accreditation ensures they meet the necessary training and practice standards for working with people who have experienced workplace or motor vehicle-related injuries.