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The New Section 74 Notice – Now Called the Section 78 Notice

To decline any aspect of a worker’s compensation claim, the insurer must issue a dispute notice which is now called a Section 78 Notice.

Recent changes to the workers compensation legislation have now combined the prior notices to dispute a claim under Section 54 and Section 74 into a single dispute notice under Section 78.

This means that if an insurer intends to dispute liability for any aspect of your claim such as

  • Decline the claim for any reason or;
  • Discontinue or reduce weekly payments or;
  • Not to pay for medical treatment.

A Section 78 Notice must be given to the worker and the employer and must contain a readily understandable statement of the reasons for the insurer’s decision to decline the claim or reduce weekly payments.

The notice must also contain a copy of all documents including witness statements, medical report and other evidence that the insurer relies upon to decline your claim.

Once an insurer has issued a Section 78 Notice setting out the reasons for declining the claim and the evidence upon which it is based, the injured worker is entitled to challenge that decision and seek the assistance of a lawyer to do so. All legal costs involved in challenging such a decision are paid for by WIRO.

There are two ways to challenge a Section 78 Notice:-

  1. Request an internal review of the decision from the insurer; and/or
  2. Make an application to the Workers Compensation Commission of NSW to appoint an independent Arbitrator to hear and determine the issue in a dispute raised in the notice.

In our experience, requesting an internal review from the insurer generally never results in the decision being changed or overturned. It is usually a waste of time and only allows the insurer to “fix up” their reasons for declining the claim in the first place. Often the insurer’s original Section 78 Notice is misguided, does not contain enough evidence or is often defective and can be easily defeated in the Workers Compensation Commission.

If you request a review, this often allows the insurer to “fix up” the decision and make it more difficult to challenge.

In our experience, it is much better to speak directly to an Accredited Specialist in Personal Injury Law and seek funding from WIRO to challenge the decision in the Workers Compensation Commission of NSW.

The insurer is then “stuck” with the reasoning for declining the claim as outlined in the Section 78 Notice and cannot add or change the reasons for declining the claim.

An application can be made by your lawyer to the Workers Compensation Commission to appoint an independent Arbitrator to hear and determine the dispute once further evidence has been obtained on your behalf.

To obtain the relevant factual and medical evidence to dispute the insurer’s decision usually involves a period of about 3 months to obtain necessary medical records from your treating doctors, arrange for you to attend an independent medical examination to obtain further medical evidence and prepare statements.

Once all medical and other evidence is available to support your claim, an application can be filed in the Workers Compensation Commission to dispute the decision by the insurer as outlined in the Section 78 Notice.

It usually takes then a further two to three months for a matter to be listed before an independent Arbitrator who will hear and determine the dispute.

You are not required to pay any legal costs and disbursements as all such costs are paid through the Independent Legal Assistance & Review Service (ILARS) which is a department of WIRO, the Workers Compensation Independent Review Office.

Your Lawyers are paid directly by WIRO for all legal costs and disbursements.

 

Further Blog Articles which may interest you –

What is a Work Capacity Decision?

Understanding Whole Person Impairment Compensation

45 FAQs in Workers Compensation claims

The Ultimate Guide to Weekly Compensation

The Complete Guide to Medical Expenses

Garling & Co Lawyers

Matthew Garling

Matthew Garling is an Accredited Specialist in Personal Injury Law approved by New South Wales Law Society. He is admitted to practice in the Supreme Court of NSW and the High Court of Australia. Matthew is also a member of...
Shaylee C.
09:54 27 Mar 24
I recently had the pleasure of working with Garling and Co on my case, and I must say that their service was truly outstanding. From the initial consultation to the resolution of my case, they... displayed unwavering dedication and professionalism.The outcome of my case exceeded my expectations, and I am incredibly grateful for the hard work and diligence exhibited by Garling and Co. I have no hesitation in recommending this law firm to my family and friends, knowing that they will receive the same level of exceptional service.- Traceyread more
Simona M.
05:11 26 Mar 24
Emma and Rebecca have looked after my husband's workers compensation claim over the last 3 years now. We have had positive outcomes from these claims and are now pursuing a work injury damages claim.... They have been amazing to deal with. They are genuine and empathetic over what has been a very stressful time for myself and my family over these last 3 years. Nothing is ever too much for Emma and Rebecca and they are always available to communicate with. We would highly recommend Garling and Co! Thank you Emma and Rebecca.read more
Donelle L.
01:16 26 Mar 24
So very happy with the service Garling has provided the care and help has eased a lot of worry I had when going through this process . Many thanks to the entire team
S R.
06:56 04 Mar 24
Thank you Garling and Co,For all your help and support, with myself and family going through a very tough process, physically and mentally. The compassion and comfort I've felt, with Garling and Co... representing me, has felt like family.I would highly recommend them, to anyone who is dealing with a Workers Comp issue. They have made a very tough road and process, a very reassuring and secure one, with great communication skills and negotiating to the highest level.Thank you to all the Garling and Co team, I'll be forever grateful, for all your assistance throughout this process.Kind regards, Scottread more
Kimberly B.
23:14 14 Feb 24
Mathew is very knowledgable and has been of great assistance to me. All the staff are friendly and helpful. I'm so happy I found this firm.Thank you Mathew and team for your great work in my case.... I am 100% happy with what you achieved for me.read more
Julie M.
10:16 16 Jan 24
My last stage of Workers compensation claim was managed by Emma Perkins, Natasha Stojanovic, Rebecca Dunshea and Kelli Robinson at Garling and Co. Lawyers who went the extra mile with their service... from the beginning to the end of 3 years of my case. I have become very anxious with almost everything after a workplace injury and a lot of times I probably ask more questions than I need to, but Emma Perkins always finds clear answers to my questions in a short time and explains to me patiently even using her mealtime or between her meeting and make me feel that I have been very well take care and supported. I am so grateful and extremely satisfied. The excellent service, attitude, and culture of Metthew Garling and his team are second to none with a very high success rate. If you going to battle with your workplace injury for a short or long period, you are better off with Garling and Co. lawyers who are able back you up every step of the way. I strongly recommend it to anybody who needs their service like me. Julieread more
patrick P.
01:46 19 Dec 23
I like to say that I had a very wonderful experience,And the support, and also understanding with all my requests,I could not ask for a better team!Thank you Emma and also her assistant Rebecca... thank youread more
Kazi H.
13:38 13 Dec 23
Work cover fund is GOVT’S money but insurer think that it is from their 14th generation. So only they can have it. Not only that, people from the work, IME doctor from insurer, back to work... coordinator from work, Rehab provider from any side push the worker as hard as possible that the worker (doesn’t matter how the workers mental or psychical condition) either go back to his pre injury duty or leave the job.More over on that very bumpy any difficult journey some of them only treat the worker as a MONEY MAKING MECHINE .in some point worker feels like, no rooms to breath. On that moment need someone to support legally, someone to care, someone to relive.On my case I believe that, somehow, I manage to make my God happy. That’s why God sends me to Matthew Gerling and his team Allison, Rebecca and Nathan, and all of GARLING & co Lawyers.I am not good enough in English, can’t express my gratitude.Matthew, Allison, Rebecca and Nathan, please accept my appreciation and pass it to others.read more
Carol L.
01:32 29 Nov 23
Professional, understanding and friendly
Sean G.
23:21 14 Nov 23
Matthew Garling and everyone I spoke to at Garling and Co were kind, caring and compassionate. They were sensitive to my psychological condition and were patient in explaining everything to me, so... that I clearly understood the legal process. I am exceptionally grateful for the settlement outcome that Garling and Co obtained for me. Many thanks.read more
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Shaylee C.
09:54 27 Mar 24
I recently had the pleasure of working with Garling and Co on my case, and I must say that their service was truly outstanding. From the initial consultation to the resolution of my case, they... displayed unwavering dedication and professionalism.The outcome of my case exceeded my expectations, and I am incredibly grateful for the hard work and diligence exhibited by Garling and Co. I have no hesitation in recommending this law firm to my family and friends, knowing that they will receive the same level of exceptional service.- Traceyread more
Simona M.
05:11 26 Mar 24
Emma and Rebecca have looked after my husband's workers compensation claim over the last 3 years now. We have had positive outcomes from these claims and are now pursuing a work injury damages claim.... They have been amazing to deal with. They are genuine and empathetic over what has been a very stressful time for myself and my family over these last 3 years. Nothing is ever too much for Emma and Rebecca and they are always available to communicate with. We would highly recommend Garling and Co! Thank you Emma and Rebecca.read more
Donelle L.
01:16 26 Mar 24
So very happy with the service Garling has provided the care and help has eased a lot of worry I had when going through this process . Many thanks to the entire team
S R.
06:56 04 Mar 24
Thank you Garling and Co,For all your help and support, with myself and family going through a very tough process, physically and mentally. The compassion and comfort I've felt, with Garling and Co... representing me, has felt like family.I would highly recommend them, to anyone who is dealing with a Workers Comp issue. They have made a very tough road and process, a very reassuring and secure one, with great communication skills and negotiating to the highest level.Thank you to all the Garling and Co team, I'll be forever grateful, for all your assistance throughout this process.Kind regards, Scottread more
Kimberly B.
23:14 14 Feb 24
Mathew is very knowledgable and has been of great assistance to me. All the staff are friendly and helpful. I'm so happy I found this firm.Thank you Mathew and team for your great work in my case.... I am 100% happy with what you achieved for me.read more
Julie M.
10:16 16 Jan 24
My last stage of Workers compensation claim was managed by Emma Perkins, Natasha Stojanovic, Rebecca Dunshea and Kelli Robinson at Garling and Co. Lawyers who went the extra mile with their service... from the beginning to the end of 3 years of my case. I have become very anxious with almost everything after a workplace injury and a lot of times I probably ask more questions than I need to, but Emma Perkins always finds clear answers to my questions in a short time and explains to me patiently even using her mealtime or between her meeting and make me feel that I have been very well take care and supported. I am so grateful and extremely satisfied. The excellent service, attitude, and culture of Metthew Garling and his team are second to none with a very high success rate. If you going to battle with your workplace injury for a short or long period, you are better off with Garling and Co. lawyers who are able back you up every step of the way. I strongly recommend it to anybody who needs their service like me. Julieread more
patrick P.
01:46 19 Dec 23
I like to say that I had a very wonderful experience,And the support, and also understanding with all my requests,I could not ask for a better team!Thank you Emma and also her assistant Rebecca... thank youread more
Kazi H.
13:38 13 Dec 23
Work cover fund is GOVT’S money but insurer think that it is from their 14th generation. So only they can have it. Not only that, people from the work, IME doctor from insurer, back to work... coordinator from work, Rehab provider from any side push the worker as hard as possible that the worker (doesn’t matter how the workers mental or psychical condition) either go back to his pre injury duty or leave the job.More over on that very bumpy any difficult journey some of them only treat the worker as a MONEY MAKING MECHINE .in some point worker feels like, no rooms to breath. On that moment need someone to support legally, someone to care, someone to relive.On my case I believe that, somehow, I manage to make my God happy. That’s why God sends me to Matthew Gerling and his team Allison, Rebecca and Nathan, and all of GARLING & co Lawyers.I am not good enough in English, can’t express my gratitude.Matthew, Allison, Rebecca and Nathan, please accept my appreciation and pass it to others.read more
Carol L.
01:32 29 Nov 23
Professional, understanding and friendly
Sean G.
23:21 14 Nov 23
Matthew Garling and everyone I spoke to at Garling and Co were kind, caring and compassionate. They were sensitive to my psychological condition and were patient in explaining everything to me, so... that I clearly understood the legal process. I am exceptionally grateful for the settlement outcome that Garling and Co obtained for me. Many thanks.read more
University of Technology, Sydney
Member of Law Society of New South Wales
Law Society of NSW Specialist Accreditation
University of Sydney
Legal Profession Admission Board of New South Wales
The law society of nsw professional standards scheme logo.
University of Technology, Sydney
Member of Law Society of New South Wales
Law Society of NSW Specialist Accreditation
University of Sydney
Legal Profession Admission Board of New South Wales
The law society of nsw professional standards scheme logo.
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