Lump sum payments

The MAC Scheme exists to help people recover from their injuries, regain control of their lives and return to work. Lump sum compensation payments are limited to death benefits and significant permanent impairment benefits.

The MAC Scheme is primarily a periodic benefit-based scheme that pays for the necessary and reasonable medical and rehabilitation treatments, provides loss of earnings support and other benefits through your journey to return to health and work.

Unlike some interstate motor accident compulsory third party (CTP) insurance schemes, rather than paying a one-time lump sum for injuries, MAC benefits are available for as long as needed; sometimes for life, for those with permanent life changing injuries. 

For those with permanent and catastrophic injuries, the MAC Scheme may pay for lifetime attendant care services to help restore independence and quality of life.   

The MAC Scheme also provides lump sum compensation payments in the following circumstances:

• Death benefits
  When a family has lost a loved one in a motor vehicle accident, the surviving dependants may be entitled to lump sum death benefits.  For more information about Lump sum death benefits 
  
  
• Permanent impairment benefits
  Permanent impairment compensation is a one-off lump sum payment to eligible claimants who have been assessed as having an impairment of at least 5%. For more information about Lump sum permanent impairment. 
  
  

The Motor Accidents (Compensation) Act 1979 and the Motor Accidents (Compensation) Regulations 1984 set out the entitlement to MAC Scheme benefits, eligibility criteria and the circumstances where benefit reductions and exclusions may apply.