{"id":"nsw:sl-2013-0622","name":"Insurance Premiums Order (January–June) 2014","slug":"insurance-premiums-order-january-june-2014","collection":"regulation","jurisdiction":"nsw","status":"in_force","isInForce":true,"actNumber":"622 of 2013","makingDate":null,"administeringDepartment":null,"currentVersion":{"id":178051,"registerId":"nsw-nsw:sl-2013-0622-current","compilationNumber":null,"startDate":"2026-04-05","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Name of Order","content":"#### 1 Name of Order\n\n1 Name of Order\n\n> This Order is the [Insurance Premiums Order (January–June) 2014](/view/html/inforce/current/sl-2013-0622).","sortOrder":0},{"sectionNumber":"2","sectionType":"section","heading":"Commencement","content":"#### 2 Commencement\n\n2 Commencement\n\n> This Order commences at 4 pm on 31 December 2013 and must be published in the Gazette.","sortOrder":1},{"sectionNumber":"3","sectionType":"section","heading":"Calculation of insurance premium payable by employer","content":"#### 3 Calculation of insurance premium payable by employer\n\n3 Calculation of insurance premium payable by employer\n\n> > (1) The premium payable by an employer for a policy of insurance is to be calculated by requiring the premium to be calculated for a period of insurance of not more than 12 months and:\n> > \n> > > (a) if the employer is a medium or large employer for the purposes of the policy, in accordance with the following formula:\n> > > \n> > > ![](/image/((Type%3D%22subordleg%22)%20AND%20(No%3D0622)%20AND%20(Year%3D2013)%20AND%20(%22Historical%20Document%22%3D0))/g1.gif)\n> > \n> > > (b) if the employer is a small employer for the purposes of the policy, in accordance with the following formula:\n> > > \n> > > ![](/image/((Type%3D%22subordleg%22)%20AND%20(No%3D0622)%20AND%20(Year%3D2013)%20AND%20(%22Historical%20Document%22%3D0))/g2.gif)\n> > \n> > where:\n> > \n> > P is the premium for the time being payable by the employer in respect of the period of insurance to which the policy relates, being:\n> > \n> > > (a) except as provided by paragraph (b), the initial premium so payable in accordance with this Order, or\n> > \n> > > (b) where adjustments are required to be made to that premium by reason of the operation of this Order, the premium so payable by reason of those adjustments.\n> > \n> > T is the basic tariff premium for the employer, calculated with respect to the period of insurance in accordance with Schedule 3.\n> > \n> > S is the experience adjustment factor for the employer determined with respect to the period of insurance in accordance with Schedule 4.\n> > \n> > E is the experience premium, if any, for the employer determined with respect to the period of insurance in accordance with Schedule 5.\n> > \n> > Q is the premiums adjustment contribution, if any, for the employer.\n> > \n> > D is the dust diseases contribution, if any, for the employer calculated with respect to the period of insurance in accordance with Schedule 11.\n> > \n> > I is the input tax credit adjustment, if any, for the employer determined with respect to the period of insurance in accordance with Schedule 8.\n> > \n> > M is the Mine Safety Fund premium adjustment, if any, for the employer calculated with respect to the period of insurance in accordance with Schedule 9.\n> > \n> > A is the apprentice incentive amount, if any, for the employer determined with respect to the period of insurance in accordance with Schedule 10.\n> > \n> > ESI is the employer safety incentive, if any, for the employer calculated with respect to the period of insurance in accordance with Schedule 12.\n> > \n> > RTWI is the return to work incentive, if any, for the employer calculated with respect to the period of insurance in accordance with Schedule 13.\n> \n> > (2) However, where the basic tariff premium less the apprentice incentive amount \\[T − A\\] for a policy of insurance whose total premium is to be calculated under subclause (1) (a):\n> > \n> > > (a) is less than $50,000 (or, if the period of insurance is to be less than 12 months, where the basic tariff premium less the apprentice incentive amount \\[T − A\\] would be less than $50,000 were that period of insurance to be 12 months), the experience adjusted premium \\[(T × (1 − S)) + (E × S)\\] is not to exceed one and a half times the amount of that basic tariff premium \\[1.5 × T\\], and\n> > \n> > > (b) is or exceeds $50,000 but is less than $150,000 (or, if the period of insurance is to be less than 12 months, where the basic tariff premium less the apprentice incentive amount \\[T − A\\] would be or would exceed $50,000 but would be less than $150,000 were that period of insurance to be 12 months), the experience adjusted premium \\[(T × (1 − S)) + (E × S)\\] is not to exceed twice the amount of that basic tariff premium \\[2 × T\\], and\n> > \n> > > (c) is or exceeds $150,000 but is less than $300,000 (or, if the period of insurance is to be less than 12 months, where the basic tariff premium less the apprentice incentive amount \\[T − A\\] would be or would exceed $150,000 but would be less than $300,000 were that period of insurance to be 12 months), the experience adjusted premium \\[(T × (1 − S)) + (E × S)\\] is not to exceed two and a half times the amount of that basic tariff premium \\[2.5 × T\\].\n> \n> > (3) However, if the employer is a member of a group:\n> > \n> > > (a) subclause (2) does not apply, and\n> > \n> > > (b) where the sum of the basic tariff premiums less the sum of apprentice incentive amounts \\[TG− AG\\] for all the members of that group:\n> > > \n> > > > (i) is less than $50,000 (or, if the period of insurance is to be less than 12 months, where the sum of basic tariff premiums less the sum of apprentice incentive amounts \\[TG− AG\\] would be less than $50,000 were that period of insurance to be 12 months), the experience adjusted premium for the employer’s policy \\[(T × (1 − S)) + (E × S)\\] is not to exceed one and a half times the amount of the employer’s basic tariff premium \\[1.5 × T\\], and\n> > > \n> > > > (ii) is or exceeds $50,000 but is less than $150,000 (or, if the period of insurance is to be less than 12 months, where the sum of basic tariff premiums less the sum of apprentice incentive amounts \\[TG− AG\\] would be or would exceed $50,000 but would be less than $150,000 were that period of insurance to be 12 months), the experience adjusted premium for the employer’s policy \\[(T × (1 − S)) + (E × S)\\] is not to exceed twice the amount of the employer’s basic tariff premium \\[2 × T\\], and\n> > > \n> > > > (iii) is or exceeds $150,000 but is less than $300,000 (or, if the period of insurance is to be less than 12 months, where the sum of basic tariff premiums less the sum of apprentice incentive amounts \\[TG− AG\\] would be or would exceed $150,000 but would be less than $300,000 were that period of insurance to be 12 months), the experience adjusted premium for the employer’s policy \\[(T × (1 − S)) + (E × S)\\] is not to exceed two and a half times the amount of the employer’s basic tariff premium \\[2.5 × T\\],\n> > \n> > where:\n> > \n> > AG is the sum of apprentice incentive amounts (if any) for all the members of the group calculated:\n> > \n> > > (a) where the period of insurance to which the premium relates is 12 months—in accordance with Schedule 10 with respect to that period of insurance, or\n> > \n> > > (b) where the period of insurance to which the premium relates is not 12 months—in accordance with Schedule 10 as if the policies to which the premiums relate had a period of insurance of 12 months.\n> > \n> > TG is the sum of the basic tariff premiums for all the members of the group calculated:\n> > \n> > > (a) where the period of insurance to which the premium relates is 12 months—in accordance with Schedule 3 with respect to that period of insurance, or\n> > \n> > > (b) where the period of insurance to which the premium relates is not 12 months—in accordance with Schedule 3 as if the policies to which the premiums relate had a period of insurance of 12 months.","sortOrder":2},{"sectionNumber":"4","sectionType":"section","heading":"Discount available for premiums paid in full","content":"#### 4 Discount available for premiums paid in full\n\n4 Discount available for premiums paid in full\n\n> > (1) An employer (other than a small employer) is entitled to a discount of 3 percent on the initial premium payable by the employer for a policy of insurance if:\n> > \n> > > (a) the period of insurance to which the policy relates is 12 months (or a period of less than 12 months if the policy is issued to an employer who is member of a group to enable the policy to renew on the same date as the policies of other members of the group), and\n> > \n> > > (b) the employer has paid the discounted amount of the premium in full by the date on which payment of the premium is due, and\n> > \n> > > (c) the employer has not elected to pay the premium by instalments, and\n> > \n> > > (d) the employer has notified the insurer, in accordance with the regulations, of the reasonable estimate of the wages that will be payable during the period of insurance.\n> > \n> > Note—\n> > \n> > Clause 147 of the [Workers Compensation Regulation 2010](/view/html/repealed/current/sl-2011-0037) requires an employer to notify the insurer concerned of the matter referred to in paragraph (d).\n> \n> > (2) A small employer is entitled to a discount of 5 percent on the initial premium payable by the small employer for a policy of insurance if:\n> > \n> > > (a) the period of insurance to which the policy relates is:\n> > > \n> > > > (i) 12 months, or\n> > > \n> > > > (ii) a period of less than 12 months but only if the policy is issued to a small employer who is member of a group to enable the policy to renew on the same date as the policies of other members of the group, or\n> > > \n> > > > (iii) a period of less than 12 months but only if the policy is issued to a small employer to enable the policy to expire at the end of a month, and\n> > \n> > > (b) the small employer has paid the discounted amount of the premium in full by the date on which payment of the premium is due, and\n> > \n> > > (c) the small employer has not elected to pay the premium by instalments.","sortOrder":3},{"sectionNumber":"5","sectionType":"section","heading":"Recovery of excess from employer: section 160 of Act","content":"#### 5 Recovery of excess from employer: section 160 of Act\n\n5 Recovery of excess from employer: section 160 of Act\n\n> For the purposes of the definition of prescribed excess amount in section 160 (1) of the Act, the following excess amount is specified:\n> \n> > (a) if the employer concerned notified the relevant insurance scheme agent of the injury that led to the weekly compensation claim of the worker within 5 days of the employer becoming aware of it—$0,\n> \n> > (b) in all other cases—the lesser of the following:\n> > \n> > > (i) the amount that is the weekly payment of compensation to which the worker is entitled as determined by section 36 of the Act,\n> > \n> > > (ii) $1,903.70.\n> \n> Note—\n> \n> Under section 160 (2) of the Act, an employer is required to repay the prescribed excess amount to the insurer under a policy of insurance in respect of each weekly compensation claim that the insurer has paid under the policy. However, if the amount that the insurer has paid in respect of any such claim is less than the prescribed excess amount, the amount the employer must repay is that lesser paid amount.","sortOrder":4},{"sectionNumber":"6","sectionType":"section","heading":"Late payment prescribed rates: sections 170 (8) and 172 (5) of Act","content":"#### 6 Late payment prescribed rates: sections 170 (8) and 172 (5) of Act\n\n6 Late payment prescribed rates: sections 170 (8) and 172 (5) of Act\n\n> For the purposes of sections 170 (8) and 172 (5) of the Act, the prescribed rate is 0.869% per month compounded monthly.","sortOrder":5},{"sectionNumber":"7","sectionType":"section","heading":"Calculation of costs of individual claims and provisional payments of compensation: clauses 154 (2) (d) (ii) (C) and 155 (2) (d) (ii) (C) of Regulation","content":"#### 7 Calculation of costs of individual claims and provisional payments of compensation: clauses 154 (2) (d) (ii) (C) and 155 (2) (d) (ii) (C) of Regulation\n\n7 Calculation of costs of individual claims and provisional payments of compensation: clauses 154 (2) (d) (ii) (C) and 155 (2) (d) (ii) (C) of Regulation\n\n> For the purposes of clauses 154 (2) (d) (ii) (C) and 155 (2) (d) (ii) (C) of the [Workers Compensation Regulation 2010](/view/html/repealed/current/sl-2011-0037), the amount specified is $1,903.70.","sortOrder":6},{"sectionNumber":"8","sectionType":"section","heading":"Exemption limit for certain employers: section 155AA (8) of Act","content":"#### 8 Exemption limit for certain employers: section 155AA (8) of Act\n\n8 Exemption limit for certain employers: section 155AA (8) of Act\n\n> The exemption limit (within the meaning of section 155AA (8) of the Act) for the following employers for the 2013–2014 financial year is fixed at $0:\n> \n> > (a) an employer who carries on a business that is covered by Table A classes 612310, 612315, 612320, 612322, 612324, 612326, 612330, 931120, 931130, 931920, 931930, 931940 or 931950 (being classes that refer to a per capita rate), regardless of whether the employer carries on any other business,\n> \n> > (b) an employer who carries on a business in the thoroughbred racing industry and who is required by the Rules of Racing (within the meaning of the [Thoroughbred Racing Act 1996](/view/html/inforce/current/act-1996-037)) to hold a policy of insurance with Racing NSW, regardless of whether the employer carries on any other business.\n> \n> Note—\n> \n> The effect of fixing the exemption limit for the specified employers at $0 is that those employers will not be “exempt employers” within the meaning of section 155AA (Exempt employers not required to obtain policy of insurance) of the Act.","sortOrder":7},{"sectionNumber":"9","sectionType":"section","heading":"Schedules form part of Order","content":"#### 9 Schedules form part of Order\n\n9 Schedules form part of Order\n\n> Schedules 1–15 form part of this Order.","sortOrder":8},{"sectionNumber":"Schedule 1","sectionType":"schedule","heading":"Interpretation","content":"# Schedule 1 Interpretation\n\nSchedule 1 Interpretation\n\n(Clause 9)","sortOrder":9},{"sectionNumber":"10","sectionType":"section","heading":"Determination of wages—small employers","content":"#### 10 Determination of wages—small employers\n\n10 Determination of wages—small employers\n\n> > (1) This clause applies in relation to small employers.\n> \n> > (2) In this Order, a reference to wages, in relation to a period of insurance under a policy issued or to be issued to an employer or in relation to a period of 12 months ascertained by reference to any such period of insurance, is a reference:\n> > \n> > > (a) except as provided by paragraph (b):\n> > > \n> > > > (i) if the small employer is required by clause 147 (1) of the [Workers Compensation Regulation 2010](/view/html/repealed/current/sl-2011-0037) to supply a reasonable estimate of the wages that will be payable by the employer during the period of insurance to workers employed by the employer—that reasonable estimate of the monetary value of all wages (not including any wages to which Schedule 7 applies) payable to workers by the employer in respect of the period of insurance or the period of 12 months, as the case may be, as calculated by reference to the returns, if any, furnished in accordance with the regulations by the employer to the insurer, or\n> > > \n> > > > (ii) in any other case—to a reasonable estimate of the monetary value of all wages (not including any wages to which Schedule 7 applies) payable to workers by the employer in respect of the immediately preceding period of insurance or the immediately preceding period of 12 months, as the case may be, or\n> > \n> > > (b) where the monetary value of those wages (not including any wages to which Schedule 7 applies) has been ascertained—to the actual value of those wages.\n> \n> > (3) For the purposes of subclause (2) (a) (ii), if the immediately preceding period of insurance is less than 12 months, the monetary value of the wages concerned is to be adjusted to reflect the wages that would be paid on a 12 monthly basis.\n> \n> > (4) For the avoidance of doubt:\n> > \n> > > (a) in this Order, a reference to wages payable to workers includes wages payable to apprentices, and\n> > \n> > > (b) in subclauses (2) and (3), the monetary value (or reasonable estimate) of wages for an employer for the immediately preceding equivalent period of insurance includes the monetary value (or reasonable estimate) of wages for the immediately preceding equivalent period of insurance paid to apprentices.","sortOrder":19},{"sectionNumber":"11","sectionType":"section","heading":"Meaning of “predecessor”","content":"#### 11 Meaning of “predecessor”\n\n11 Meaning of “predecessor”\n\n> > (1) For the purposes of this Order, a person is the predecessor of an employer if:\n> > \n> > > (a) Acquisition or otherwise gaining possession of predecessor’s business\n> > > \n> > > the employer has acquired or otherwise come into the possession of the business of the person, or\n> > \n> > > (b) Transfer of all or majority of predecessor’s workforce\n> > > \n> > > the employer has, during any policy period, employed workers who at any time constituted all or a majority of the workers employed, during any policy period, by the person and those workers have carried out activities or performed services for the employer that were the same or similar to activities carried out or services performed by those workers for the person.\n> > \n> > Note—\n> > \n> > The claims and wages history of an employer’s predecessor are used in the calculation of the employer’s workers compensation insurance premium—see clause 4 of Schedule 4 and clause 1 (3) of Schedule 5 to this Order.\n> \n> > (2) Subclause (1) (a) applies whether the business acquired is the whole or main part of the business of the person or is the whole or main part of a separate and distinct business of the person, and whether or not the business acquired is carried on at the same location.\n> \n> > (3) Subclause (1) (b) applies whether or not the activities carried out or services performed for the employer were carried out or performed at the same location as those carried out or performed for the person.\n> \n> > (4) In this clause, business has the same meaning as in Division 2B of Part 7 of the Act.","sortOrder":20},{"sectionNumber":"Schedule 2","sectionType":"schedule","heading":"Application","content":"# Schedule 2 Application\n\nSchedule 2 Application\n\n(Clause 9)","sortOrder":21},{"sectionNumber":"Schedule 3","sectionType":"schedule","heading":"Basic tariff premium","content":"# Schedule 3 Basic tariff premium\n\nSchedule 3 Basic tariff premium\n\n(Clause 3)","sortOrder":24},{"sectionNumber":"Schedule 4","sectionType":"schedule","heading":"Experience adjustment factor","content":"# Schedule 4 Experience adjustment factor\n\nSchedule 4 Experience adjustment factor\n\n(Clause 3)","sortOrder":27},{"sectionNumber":"Schedule 5","sectionType":"schedule","heading":"Experience premium","content":"# Schedule 5 Experience premium\n\nSchedule 5 Experience premium\n\n(Clause 3)","sortOrder":33},{"sectionNumber":"Schedule 6","sectionType":"schedule","heading":"Minimum premium","content":"# Schedule 6 Minimum premium\n\nSchedule 6 Minimum premium\n\n(Clause 9)","sortOrder":37},{"sectionNumber":"Schedule 7","sectionType":"schedule","heading":"Reduction of premium for employers of previously injured workers etc","content":"# Schedule 7 Reduction of premium for employers of previously injured workers etc\n\nSchedule 7 Reduction of premium for employers of previously injured workers etc\n\n(Clause 9)","sortOrder":39},{"sectionNumber":"Schedule 8","sectionType":"schedule","heading":"Input tax credit adjustment","content":"# Schedule 8 Input tax credit adjustment\n\nSchedule 8 Input tax credit adjustment\n\n(Clause 3)","sortOrder":45},{"sectionNumber":"Schedule 9","sectionType":"schedule","heading":"Mine Safety Fund premium adjustment","content":"# Schedule 9 Mine Safety Fund premium adjustment\n\nSchedule 9 Mine Safety Fund premium adjustment\n\n(Clause 3)","sortOrder":49},{"sectionNumber":"Schedule 10","sectionType":"schedule","heading":"Apprentice incentive scheme","content":"# Schedule 10 Apprentice incentive scheme\n\nSchedule 10 Apprentice incentive scheme\n\n(Clause 3)","sortOrder":51},{"sectionNumber":"Schedule 11","sectionType":"schedule","heading":"Dust diseases contribution","content":"# Schedule 11 Dust diseases contribution\n\nSchedule 11 Dust diseases contribution\n\n(Clause 3)","sortOrder":54},{"sectionNumber":"Schedule 12","sectionType":"schedule","heading":"Employer safety incentive","content":"# Schedule 12 Employer safety incentive\n\nSchedule 12 Employer safety incentive\n\n(Clause 3)","sortOrder":57},{"sectionNumber":"Schedule 13","sectionType":"schedule","heading":"Return to work incentive","content":"# Schedule 13 Return to work incentive\n\nSchedule 13 Return to work incentive\n\n(Clause 3)","sortOrder":59}],"analysis":{"issue_detection":{"absurdities":[{"type":"other","section":"Status Information / Currency of version","severity":"medium","reasoning":"An order expressly limited to 'January–June 2014' should have ceased to have operative effect no later than 30 June 2014. Its continued listing as a current, in-force instrument for more than a decade after its temporal scope expired is logically incongruent. Either the instrument should have been repealed/spent, or its temporal title is misleading.","confidence":0.72,"description":"The instrument is titled 'Insurance Premiums Order (January–June) 2014', indicating it was intended to operate for a discrete six-month period in 2014, yet its 'current version' date runs from 31 October 2013 'to date' (accessed 5 April 2026), meaning an instrument governing a six-month window in 2014 purports to remain 'current' for over 12 years."},{"type":"other","section":"Timeline / Point-in-time versions","severity":"low","reasoning":"While advance commencement of subordinate legislation is not unusual, an order whose title confines its substantive operation to a future six-month period but which is expressed as fully 'in force' from a prior date creates ambiguity about what legal obligations, if any, arise between 31 October 2013 and 1 January 2014. If provisions have 'all commenced' as at 31 October 2013 (per the Provisions in force note), but the regulated period has not yet begun, there is a logical gap between commencement and operative effect.","confidence":0.65,"description":"The instrument bears a statutory instrument number of '2013 SI 622' and a commencement date of 31 October 2013, yet it purports to govern insurance premiums for 'January–June 2014'. The instrument therefore commences approximately two months before the period it nominally regulates begins."},{"type":"retroactive_impossibility","section":"File last modified / Currency of version","severity":"low","reasoning":"If the Order's operative period ended on 30 June 2014 and the file was modified on 25 June 2014 (five days before expiry or possibly on the last day of operation), any substantive amendment made at that date would have had at most five days of practical effect. If the modification was purely administrative, it is harmless but unexplained. The legislation provides no transparency about what changed.","confidence":0.55,"description":"The file is recorded as 'last modified 25 June 2014', which is after the expiry of the January–June 2014 period the Order governs, yet no amendment or repeal appears to have been registered. A modification to an already-expired instrument raises the question of what legal effect such a modification could have on obligations that had already crystallised and concluded."},{"type":"other","section":"Site header / Site navigation (duplicated structural elements)","severity":"low","reasoning":"Section 45C of the Interpretation Act 1987 certifies the database version as the correct form of the legislation. If the certified version includes duplicated UI chrome as part of the instrument's text, this is a logical absurdity: navigation menus are certified as part of the law. This is almost certainly a scraping/rendering artefact rather than a genuine drafting flaw, but as presented it is logically anomalous.","confidence":0.6,"description":"The published legislative text contains duplicated navigational and structural metadata elements (e.g., 'Site header Site header', 'Site navigation Site navigation', 'Point-in-time versions Point-in-time versions') embedded within the body of the instrument as accessed. While likely a rendering artefact, if this constitutes the certified form of the legislation under s 45C of the Interpretation Act 1987, the certified text contains non-legislative noise that has no legal meaning."}],"contradictions":[{"severity":"medium","section_a":"Title: 'Insurance Premiums Order (January–June) 2014'","section_b":"Status Information: 'Current version for 31 October 2013 to date (accessed 5 April 2026)'","confidence":0.7,"description":"The title confines the Order's scope to a six-month period in 2014, while the status metadata declares it current and in force from 31 October 2013 through at least 5 April 2026—a period of over 12 years that wholly encompasses and vastly exceeds the Order's nominally governed period."},{"severity":"low","section_a":"Statutory instrument number: '2013 SI 622' (made in 2013)","section_b":"Title: 'Insurance Premiums Order (January–June) 2014'","confidence":0.68,"description":"The instrument is numbered and registered as a 2013 statutory instrument but is titled as a 2014 order. This creates a nominal contradiction between the year of making/registration and the year of the regulated period, potentially causing confusion as to which financial or regulatory year's premium obligations it governs."}]},"flash_summary_failed":{"failed":true,"reason":"Unauthenticated. Configure AI_GATEWAY_API_KEY or use a provider module. Learn more: https://ai-sdk.dev/unauthenticated-ai-gateway","source":"analysis-cron"},"summary":{"complexity_score":3,"scope_assessment":{"changed":false,"description":"The instrument appears to serve its original, narrow intended purpose: setting workers compensation insurance premium rates for a defined six-month period in NSW. There is no evidence of scope expansion beyond that administrative function."},"complexity_factors":["Narrow temporal scope (six-month period only) limits complexity","Operates as subordinate legislation (a statutory instrument) under a broader Act, requiring knowledge of the parent workers compensation legislation to fully understand","Premium-setting instruments can involve technical industry classification codes and calculation formulas not visible in this extract","Limited actual legislative content is visible in the provided text — the substantive premium schedules and rates are not displayed, making full analysis impossible","Routine administrative/regulatory nature keeps overall complexity low"],"plain_english_summary":"This NSW administrative order fixed workers‑compensation premium rates for the six‑month period January–June 2014. It determined how much NSW employers (and the insurers who price and collect premiums) were legally required to pay for workers’ compensation during that window, so it mattered for compliance and cost calculations at the time.  \n\nIt is effectively a historical record with no ongoing practical effect for most people today."},"kimi_summary":{"content_quality":"ok","complexity_score":9,"scope_assessment":{"changed":false,"description":"This is a time-limited statutory instrument (6-month duration) that performs its intended function of setting insurance premium rates and calculation methodologies. It does not appear to have expanded beyond its original purpose of determining workers compensation premiums for the specified period."},"complexity_factors":["15 separate schedules with intricate mathematical formulas (many represented as images in the source)","Multiple nested conditional formulas with tiered thresholds ($30,000, $50,000, $150,000, $300,000, $500,000) that trigger different calculation methods","Extensive cross-referencing between schedules (e.g., Schedule 3 basic tariff premium used in Schedules 4, 5, 8, 9, 10, 11, 12, 13)","Dual calculation tracks for small vs medium/large employers throughout","Complex group membership rules that override individual employer calculations in Schedules 4, 5, and 8","Predecessor business rules that aggregate historical claims and wages data across business transfers","Per capita rate exceptions (boxing matches, taxi plates) requiring substitution of 'wages' with other metrics","Multiple timing-based variations (initial premium vs hindsight calculations, 12-month vs shorter periods)","17 defined terms in Schedule 1, many referencing external legislation (Workers Compensation Act 1987, GST Act, Corporations Act, etc.)","Experience rating caps (1.5x, 2x, 2.5x) with conditional logic based on apprentice incentive amounts","Special industry classifications (Table A and Table B) referenced but not included in the instrument (published separately in Gazette)","Self-insurer and Comcare employer transition rules","Averaging vs continuous recording methods for motor vehicle allowance exclusions"],"plain_english_summary":"This Order sets out how much New South Wales employers must pay for workers compensation insurance for the first half of 2014 (January to June). It applies to most businesses that employ workers in NSW.\n\n**What it does:**\n- **Calculates insurance premiums** using different formulas depending on whether an employer is small (basic tariff premium up to $30,000), medium or large (over $500,000).\n- **Rewards safe employers** through various discounts and incentives:\n  - **Experience adjustments**: Employers with fewer claims pay less; those with more claims pay more (capped at 1.5x to 2.5x the base rate depending on size).\n  - **Payment discounts**: 3% for medium/large employers who pay upfront; 5% for small employers.\n  - **Safety incentives**: Discounts for employers who get injured workers back to work quickly.\n  - **Apprentice incentives**: Reduced premiums for wages paid to apprentices.\n  - **GST adjustments**: Accounts for tax credits employers can claim.\n\n**Key protections:**\n- Caps on how much premiums can increase based on claims history (experience rating limits).\n- Special rules for employer groups (related companies treated together).\n- Minimum premium of $175.\n- Excess amounts employers must pay when a worker makes a claim ($0 if injury reported within 5 days, otherwise up to $1,903.70).\n\n**Who it affects:**\n- All NSW employers required to have workers compensation insurance.\n- Specific rules for industries like mining (Mine Safety Fund), thoroughbred racing, and businesses with per capita rates (like taxi plates or boxing matches).\n- Employers of previously injured workers get premium reductions to encourage hiring.\n\n**Why it matters:**\nThis directly determines how much businesses pay for mandatory workers compensation insurance. The system is designed to balance affordability with fairness—safer workplaces and prompt injury reporting are financially rewarded, while poor claims history leads to higher costs (within limits)."},"flash_summary":{"complexity_score":8,"scope_assessment":{"changed":true,"description":"The Order applies to policies effective 31 Dec 2013–30 Jun 2014 (Sch.2). It mainly prescribes calculation mechanics rather than broadening the Act’s coverage, but it does alter exemption treatment for specific employer classes by fixing the exemption limit at $0 for certain per‑capita classes and for thoroughbred racing employers required to insure with Racing NSW (cl.8), meaning those employers will not be ‘exempt employers’ under section 155AA of the Act."},"complexity_factors":["Numerous interlocking formulas across core clause 3 and Schedules 3–13 requiring arithmetic aggregation (T, S, E, I, Q, D, M, A, ESI, RTWI).","Different calculation paths by employer size (small/medium/large) and for group membership (cl.2; cl.3(3); Sch.4(2); Sch.8(3)).","Caps on experience adjustments tied to tariff bands (cl.3(2)-(3); reflected in Sch.8), introducing piecewise logic.","Per‑capita rate exceptions and mixed per‑capita/wage policies require separate parallel calculations (Sch.3(2); Sch.5(5)-(6)).","Cross‑references to external instruments and tables (Table A/B in Schedules 14–15, Workers Compensation Regulation 2010, GST Act).","Temporal scope and pro‑rata rules for periods under 12 months and renewal timing (Sch.2; multiple schedules).","Record‑keeping and evidentiary requirements (wage notices, odometer logs) create operational compliance burden (Sch.1 cl.1; Sch.4–6).","Discretionary powers and guideline creation by the Authority (Sch.4 cl.5; Sch.7 cl.4), adding administrative uncertainty.","Special‑case provisions (dust diseases, mine safety, apprentice incentives, return‑to‑work and safety incentives) each add bespoke rate layers (Sch.9–13).","Monetary constants and thresholds (minimum premium, prescribed excess, late‑payment rate) interleave with calculations (Sch.6; cl.5; cl.6)."],"plain_english_summary":"This Order sets the maths and rules for calculating New South Wales workers’ compensation insurance premiums for policies taking effect between 4pm 31 Dec 2013 and 4pm 30 Jun 2014. It prescribes the tariff base, experience adjustments, various incentives, contributions, GST/input‑tax adjustments, minimums, discounts for up‑front payment, late‑payment interest and a prescribed excess (cl.3; Schedules 3–13; Sch.2). Employers pay; insurers apply the formulas; the Authority and Governor retain limited discretion (Sch.4 cl.5; Sch.8). Employers must keep wage and vehicle records for compliance."}},"importantCases":[],"_links":{"self":"/api/acts/insurance-premiums-order-january-june-2014","history":"/api/acts/insurance-premiums-order-january-june-2014/history","analysis":"/api/acts/insurance-premiums-order-january-june-2014/analysis","conflicts":"/api/acts/insurance-premiums-order-january-june-2014/conflicts","importantCases":"/api/acts/insurance-premiums-order-january-june-2014/important-cases","documents":"/api/acts/insurance-premiums-order-january-june-2014/documents"}}