CGU Workers Compensation

Great experience all the way through – Work related knee injury / mcl tear and multiple meniscus tears . All my health providers taken aback at how good CGU. Have been so I’m a little shocked at some of the reviews as I really couldn’t fault them . Especially their outsourced mental health Navigator department . Big thanks to Kieth . Sorry to hear about previous folks but I was well looked after . Show reply

What a ripoff – This company will take your money and not cover your workers this company has no morals

Get injury W Comp management consultant – Had claim 2015 with Cgu , all the reviews pretty well cover this companies behavior , at end day I stress its in your interest if you have made claim to get advice from injury management team and legal advice this is covered under your claim and approved by insurer , they deal with all aspects of your claim and advise you on your assistance ,please ensure you get your own not one appointed by insurer .

Lies, stress, denial of care, make injuries worse – Complex claim could not use hands, raising young child, lied many times that household help did not service my area, even jeopardized success of surgery as couldn't use dominant hand for 3 months but CGU still denied existence of household help. I found 3 providers within 8kms of my address. CGU said it was too far for them to travel so "I would… Read more

just have to cope". Denied knowledge of approved household help on CGU website, case manager said he was not aware even though it was in bold type in correspondence from case manager. Denied assistive equipment at home, couldn't use both hands but as having more surgery on a hand, change in circumstances did not warrant assistive devices at this stage. Blind Freddie knows the need for assistance would increase. Repeated lies about how to add additional injuries to claim. Result was worsening of injuries and significant delays in treatment. Main symptom of injury was pain, CGU wouldn't even pay for Paracetamol, had to put in a written complaint for this to occur. Did not suffer stress, insomnia, depression or anxiety prior to dealing with CGU's lies. In summary-repeated lies, worsened existing injuries, contributed to new injuries, financial abuse, breach work safe legislation by causing harm to another during the course of their employment by act or omission; an idictable offence. Some of these people should face criminal charges for the deceipt and harm they cause. I had 4 case managers with CGU and the alarming fact is the cultural behaviour of all is to lie and cause harm; I didn't just get one bad apple, I got the CGU orchard. Negative review.

Absolutely appalling – What a deplorable company I was made to wait 10 weeks!! Before this 3rd rate company paid my compensation which had been approved within 10 days of my injury I nearly faced eviction and there was no reason given just a sorry when I was phoning and emailing daily I had not a cent of income absolutely disgraceful I still feel stressed and furious… Read more

about your neglectful lack of decency 3 years after the incident they couldn't of cared any less if they tried.

Good experience – After a slow start with my claim, due to employers misleading comments, I have found most of my case workers to be friendly and courteous, a few speed bumps along the way , to be expected though. After over 2.5 yrs of injury they've approved all appointments and travel expenses. Now I'm being transfered to EML, that is a worry. Thank you cgu

A rotten an corrupt system – I recently put in a request for medication reimbursement. I was told to get a letter from my treating Doctor - which was done - ignored by CGU. Without my knowledge they have organised a medical assessment with an insurer appointed Doctor without my knowledge. I have since questioned WorkCover Victoria and the Ombudsman office on the legalities of… Read more

organising an independent assessment (Unethical Doctor) without an injured workers knowledge. No one can tell me the section of the Workers Compensation Act 2013 that this is a lawful action, despite numerous requests this remains unanswered. WorkCover Victoria also participate in tormenting injured workers, with placing you on hold for excessive amounts of time, ignoring requests for information which are simply ignored, and treat injured workers with contempt. The whole system is corrupt as previously identified by the Ombudsman office at least 3 times in Victoria and the 4 Corners program last year. The insurers organise their own appointed Doctors to craft medical reports, fit for purpose in rejecting lawful claims by injured workers. Gather your evidence and seek media coverage, ultimately more injured workers need to come forward to seek a Royal Commission into the workers compensation system, I have gathered my evidence files and will be coming forward in due course. These attacks on injured workers needs to stop, it is our national shame and condoned by Government. CGU has got a lot to answer for with the misery it inflicts. It has gotten tormenting injured workers down to an art form. Initially my claim was rejected 6 times.

Service? What service? – CGU is by far the worst company I have ever had to deal with! Whilst I feel that I was very reasonable and patient in terms of waiting through to their own “worst case scenario” deadlines, they don’t meet them. Not to mention that my claim was “escalated” so I wouldn’t have thought they would have got close. From the moment I lodged my Workcover… Read more

claim in early November, 2020 (which was accepted very quickly as there could not have possibly been any dispute), in the next 2 and a half months that have followed, I have not received one phone call or any meaningful email updating me on my claim. Therefore, to say that their communication is horrendous, it actually implies that there is some - but there isnt. It is non-existent and I find it borderlines rude, especially when I have tried numerous times to follow up (now that I have allowed the deadlines to pass) and speaking with numerous representatives (totalling 4 at this stage) who say they will call me back after they look into it but NEVER have. If any CGU representative sees this post, I don’t expect you to offer to contact me. It will only be false hope as I have absolutely no faith and been let down by too many others who have stated the same thing! I also have no intention of going through your own complaints dept. as, if you can’t even handle the initial stages of my claim (I haven’t even got to the stage of requesting reimbursement of any money yet), how can I possibly expect you to multi-task with a complaint on top? I just wanted to let everyone else know to steer well clear!

If I could go zero stars I would – My partner broke his left patella on a work site in May this year, got stuffed around at the hospital and was sent home. Finally he gets a decent surgeon who is willing to operate, in the meantime the pain he is in isn't helping. CGU have had all the information, scans, Dr's reports for over 5 weeks and all we are getting told is that they are… Read more

looking into it, in the meantime he had a booking to go into hospital on the 3/12/20 and now because of their incompetence the operation won't be getting done until next year whenever they see fit to allow it to happen, This is total BS

A big Mining Companies Hench men – This is why big mining companies use insurance company like CGU, delay delay that’s all they do expecting people to give up, from March until the current time November and still not a result, if the news papers or the general public new how they treated people or which mining companies propped them up to treat their people like garbage at least 75% of people would be disgusted the other 25% would be Insurance companies like CGU

Scamer's – CGU workcover is a big scam not to pay innocent people out from work injuries these companies should be jailed for corruption. They will try finding any way possible to pay workers in Australia by finding any Scaming ways to not pay hard working Australians after a serious injury. These s**ms support fraudulent companies to get away with murder,… Read more

it's so sad Australia government doesn't have a Royal commissions in to work cover payout Scaming of big business like this. People are injured for life from working for Australian taxe office and Australia because workcover is just a BIG scam in this country government should be ashamed not to look it to such Scaming.

Rude Canberra officer – - I called in to inquire why the worker compensation insurance premium is a lot higher than ACT government recommend rate. CGU premium is a lot higher than market (e.g. $7000 plus in comparison to Allianz with $5000 plus quote). Our business has no claim whatsoever for more than 5 years. - The Canberra officer is particularly rude: laugh when… Read more

talk about once you buy the policy, wait for a year to the end of the policy to get out and hang up. Subsequently, when I called general CGU number to purse my inquiry, after a few option key in, it transferred me again to Canberra office line and the officer never pick up the phone. - Not worth it, not even a star, over charge and I can't wait to get out.

Very bad insurer – I have been pushed from case manager to case manager. They’ve been underpaying me for 1 year but won’t change. Basically they are bullies and crooks and care not about anyone. people have committed suicide because of cgu. Not surprised.

CGU never investigated my claim just DENIED W/C – CGU changed my email to deny me provisional W/C then sent me to a cherry picked Psychiatrist to be denied The investigation report wasnt Done til 6 days after they decided my claim. I believe this is Reckless Endangerment. I have more severe psychological problems now then when I left my employer. Well done CGU November 17th 2019 Update:… Read more

DESTROYED response to CGU

Im not sure nows the time [name removed] to undo what CGU has done! I have already filled out the application form from Safework NSW to REQUEST to commence prosecution Well see what they have to say about what they done. Haven sent it,....yet!

CGU workcover victim – CGU workcover destroy people. If I don't survive this battle it will be at the hands of CGU. As if the work accident that took my work and changed my life for the worse wasn't enough I have to fight and fight for what I deserve. This battle is an uneven fight.

AVOID AT ALL COSTS - The worst! – 5 months and two surgeries after breaking my leg at work I have still not received a single cent for my out of pocket expenses from CGU... neither has my employer. They owe him $25k! Every time I inquire (more than 10 times now) they bring up some new form or process they want me to complete. It's a case of CGU moving the goalposts constantly.… Read more

Even their internal complaints line have failed to call me back when promised.

The single worst Insurance company around. And that's really saying something!

Mine story takes the cake – A lot of reviews on here are saying how corrupt IMEs are and how they are in CGUs pocket. Well I have 7 favourable IME reports (2 from my side and 5 from their side) - who all say the same thing and confirm a workplace injury with indefinite no work capacity - and they still refuse to accept the claim. How can you deal with a company this corrupt?

CGU pushed me to breaking point – I had a mental breakdown early last year, brought on by work place bullying. I was unable to work and once my leave entitlements were used up, I had no income to support my young family and to seek professional help. My employer recommended I put in a work cover claim which I did. CGU was their insurer. Once my claim was submitted I was told CGU… Read more

would "investigate to ensure I made a legitimate claim", I knew straight away it would be rejected.

CGU arranged an 'independent medical examination' with one of their psychologists who is known for falsifying information and doing back door deals with CGU.

I would often have cars sitting out side my house and following me around, which I have proof from CCTV at my property. I would also have investigators call and email me, not saying who they were but trying to squeeze information out of me. One even threatened and abused me. Way to treat someone with a mental health disorder.

The report the independent medical examinator completed was 100% false and gave CGU no liability of my condition even though my employer accepted responsibility. I made an attempt on my own life.

With help from family, friends and my employer I managed to regain my life back. 5 months off work has been extremely difficult financially and with no assistance from a service set up for people like myself it makes me wonder how these people sleep at night.

I'm a lucky one who got through, but to use the tactics you did with no regard to my condition still make me sick to my stomach. This company is pure evil.

Shame – Knee injury at work. Cgu wouldn’t come to the party with my surgeon. Went to medical panel. Cgu wouldn’t give orthroscopy on my partners knee . Lost her job after 12 mths 2.5 years later finally got surgery and there as a significant tare. All that pain and suffering for a pathetic system. Medical panel are corrupt as Cgu.

THE Federal Government of Australia – 28 years ago I went to work ..17 Jan 1991..I lost both my hands by due to our company Deer Park Metals buying 1 non-decontamininated item missing the burn-off. My solicitor agreed it was it was Albion Explosives Factories so we attempted to sue the Fed Govt. After so many years I received a minimal payment with conditions they would look… Read more

after my needs that would be expected to come, as I was happily married life should be fine ....CGU was then given the details to pay me. A month later my wife was diagnosed with breast cancer. I got 11 more years from her. I have now buried 2 wives from breast cancer.. THEY didn't expect me to get to over 60 because now an 8 week repair takes over 12 months having no hands effects my whole life but trying to get anything done by CGU is worse.

Incompetence – My claim has been with CGU for 5 weeks with no decision. In 5 weeks all they have done is take my witness statement and request medical information. My work says they have no contact since initial acknowledgement of claim and no witnesses have been contacted. Staff give misinformation and conflicting information and wont tell you what they are… Read more

doing to progress the claim. Have had to go to work cover for assistance. No complaints section for WA apparently so cant even lodge a complaint about their staff. Staff were unhelpful - even to CGU staff from other states trying to get contact details for a complaints section. Appalling treatment of people. Doing everything to delay and prevent payment.

Dirty Tactics – The law says a medical panel ruling is binding (think again) CGU uses dodgy independent doctor to say you have a work capacity & will overturn it, & send you to work rehab, They have no chance of winning when it goes back to court but they know you will go through more years & stress to fight it, if you don't walk away or top yourself in the… Read more

meantime....the whole system is designed to make you feel like the criminal but keep fighting I can see some investigations and lawsuits in the future.

*UPDATE* CGU rang to inform me that all payments will be stopping & then I found this report from the Ombudsman

https://www.ombudsman.vic.gov.au/getattachment/0eb3f52a-6488-46f5-beb0-5cf051db359d

Explained a lot and then some, I lost sleep and felt quite ill after reading this & the scary thing is State Government

allows it.

Lost my job – I was injured in the workplace I have been an employee at Mcains foods since 1975. I injured my knee in an area that had been reported as a high risk nothing was done I became injured and have injured my right knee before this was an aggravation of an old injury they denied the claim and I have waited just on 12 months to get my knee operated on.… Read more

I'm not the first one for this to happen but see I'm the Ohs officer and I reported this the pictures that were submitted were doctored up Cgu workers insurance have a history of knocking back claims for necks shoulders and knees because there a part of the body that takes a long time to heal no such thing as caring for injured workers they cost me my job

Sneaky company – I highly discourage anyone from even making an inquiry with CGU. All I did was inquire (Through a third party I might add) and without a single signature or commitment of any kind I was locked into a 12 month insurance contract. Despite several attempts to resolve I was told I had to pay the full 12 months upfront or have the account sent to a… Read more

debt collector.

All after only an inquiry. So now I'm FORCED to pay over $1700 for a service I didn't sign up to, only inquired about.

Its a Disgusting and sneaky way to treat POTENTIAL customers.

Years of more stress and pain inflicted by CGU to serious and liability confirmed worker injury – 4 Independent assessments suggested MORE treatment - they pay for less. They lie, switch case managers when you prove their lies ( im on to 6th in 3 years) Nothing is processed without several emails and phone calls. CGU incompetence makes me take time off work and makes me physically sick with stress as they promise payment and then no delivery.… Read more

This is NO WAY to treat injured workers they sell insurance that people cant claim . They just want patients to go away.

Incredible level of incompetency if management are aware they should be fired.

If they are unaware they should be fired.

Or injured and made to use CGU process as a customer.

Absolute Criminals – Have been battling CGU for 17 years. 1. Deny 2. Settled - but not without taking $ 300000 of income with them 3. Denied 6 more and went to dispute 6 more times in 2 years. 4. Few more years later ... 11 Section 74's * denied that i had permission to see my doctor - when its in the injury management plan * denied that I had permission to… Read more

see my specialist - when I had written permission

5. Appoint 2 IME's with conflicts on interest

6. Withhold documents during disputes but lie to arbitrator and say they have given them ... and still never had

7. Deny access to medicals

8. Deny even when their own IME says they r wrong

9. Lie in their briefings to IME's

10. When important documents are called via notice to produce - CGU says, "oops cant find them"

They are the scum of the earth.

Accepted liability for injury yet still refused to pay!!! – Hubby had a work injury that cost us approx 30k. Cgu accepted liability but refused to pay and declared they owed us a total of $114 !!!! They never return calls or emails. Lie. Fail to to comply with mandatory deadlines. And as yet have not even paid the $114 they decided they owed

These reviews help others – Hearing how others have been treated is very helpful to those struggling with ill health and then the claims process. Thank you to those who take the time to share their problems and painful experiences. The recent report from the Victorian Ombudsman is also very helpful in setting out the sorts of distressing problems that can arise. I hope that information will reduce any damage done by the claims process.

Don't do mistake by choosing this cgu – Very bad bad bad bad horrible experience with cgu and their staff. Government should closed this company I closed my policy last year and still looking for money. ☹☹

can not beleive what they have done – My wife is having the same problem as osd , were paying compo and for all treatment ,then all a a sudden they decided to get a so called INDEPENDENT DOCTOR to access her ,out come from report , nothing wrong with her , and they have stopped all payment and treatment ,( scans must tell liars?) still ongoing with lawyers.

Treated like a number and determined to get you off their books – I am in a continuous battle with CGU for a work injury claim. Within 6 months I've been shuffled around to 5 case managers and still without one when I'm supposed to have one to 'care' for me from day one. Only contact is when they are reducing payments, declining payments or don't have enough paperwork so decline payments.Despite having… Read more

constant care from GP, pain specialist, professor and physician for 6 months specify my treatment, they sent me to their independent accessor for 1 hour who opposed that treatment. Unfortunately my other practitioners hear this all the time. I'm now fighting this but it's been the most stressful, unprofessional, incompetent and depressing experience. CGU have failed in any care for me and go to every length to make you give up.....to be continued.

Couldn't care less about your health or well-being – After accepting liability for a work injury that has impacted on every aspect of my life, including, but not limited to: family activities, sporting interests, getting up off a chair/toilet, in and out of a car, leisure pursuits & sex life/positions, CGU refuse to pay injury-related expenses! EVERYTHING is a battle!! They openly lied to me when… Read more

I asked a simple & direct question. They do not return calls & only forwarded requested information after a conciliation form was lodged. I did not get rewarded, but rather PUNISHED for trying to minimise the expenses and burden of my injury. They have upset my young children by sending police to my doorstep at dinner time, when what I actually begged for (in tears), was a physiotherapist - NOT law enforcement! I have lost sleep due to them & the pain of my injury, & I have sought constant support from my doctor and feel that soon I will need the support of anti-depressants! They will not give any support, help, relief or aid to the pain & suffering due to my injury at work. My employer should be ashamed & embarrassed at the way CGU treats their hard-working employees! I get PHYSICALLY ill......literally want to vomit, whenever I hear their name, receive a letter, get a call from them or have to speak to them. It would be impossible to find a company who provides a worse service, or cares less about their there clients, than they do! They don't even deserve ONE star. Heaps of other people I have spoken to feel very similar, but are too exhausted (mentally, physically, emotionally & psychologically) to battle them. They engage in a "war of attrition" & rely on people "not being bothered" or finding it "all too difficult" or " "too exhausting" to continue their battle. Not sure how they are allowed to stay in business!! CGU's treatment of me is nothing short of inhumane - given the toll it has taken on me, my marriage, my sport, my kids, my sex life & my general mental & physical well-being!