{"id":"nsw:sl-2013-0204","name":"Insurance Premiums Order (July–December) 2013","slug":"insurance-premiums-order-july-december-2013","collection":"regulation","jurisdiction":"nsw","status":"in_force","isInForce":true,"actNumber":"204 of 2013","makingDate":null,"administeringDepartment":null,"currentVersion":{"id":178070,"registerId":"nsw-nsw:sl-2013-0204-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 (July–December) 2013](/view/html/inforce/current/sl-2013-0204).\n> \n> **cl 1:** Subst 2013 (621), Sch 1 \\[1\\].","sortOrder":0},{"sectionNumber":"2","sectionType":"section","heading":"Commencement","content":"#### 2 Commencement\n\n2 Commencement\n\n> This Order commences at 4 pm on 30 June 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%3D0204)%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%3D0204)%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)\n\n**sch 2:** Am 2013 (621), Sch 1 \\[2\\].","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":{"flash_summary_failed":{"failed":true,"reason":"A positive credit balance is required for all requests, including BYOK, so fallback providers remain available. Add credits at https://vercel.com/d?to=%2F%5Bteam%5D%2F%7E%2Fai%3Fmodal%3Dtop-up to continue.","source":"analysis-cron"},"kimi_summary":{"content_quality":"ok","complexity_score":9,"scope_assessment":{"changed":false,"description":"This Order appears consistent with the established framework of biannual Insurance Premiums Orders under the Workers Compensation Act 1987. It maintains the traditional scope of setting premium rates, calculation methodologies, and ancillary matters (excesses, discounts, exemptions) for a specific six-month period. While the specific dollar amounts and some formula details are updated for 2013, the structural scope — covering premium calculation, experience rating, and various industry-specific adjustments — aligns with the original legislative intent of the Insurance Premiums Order system."},"complexity_factors":["15 separate schedules with intricate mathematical formulas using Greek notation and multiple variables (P, T, S, E, Q, D, I, M, A, ESI, RTWI, etc.)","Nested conditional logic with multiple tiers: employer size classifications (small/medium/large), group membership rules, and premium bands ($50k/$150k/$300k thresholds)","Extensive cross-referencing between schedules — Schedule 3 (basic tariff) feeds into Schedule 4 (experience adjustment) which feeds into Schedule 5 (experience premium) and Schedule 8 (tax adjustments)","Multiple calculation methods for the same concept (e.g., three different formulas for experience premium depending on timing and employer status)","Complex definitions of 'predecessor' businesses and group membership rules that affect premium calculations across multiple years","Per capita rate exceptions requiring substitution of non-wage metrics (boxing matches, taxi plates) into wage-based formulas","Averaging vs continuous recording methods for vehicle allowance exclusions with 12-week sampling periods and 4-year renewal cycles","Dust diseases contributions referencing a 1979 Gazette determination alongside modern classification tables","Input tax credit adjustments with 11-tier percentage tables and conditional substitution rules when experience-adjusted premiums hit caps","Extensive use of 'if/then' exceptions to exceptions — e.g., clause 3(2) caps on experience premiums have different rules for group members in clause 3(3)"],"plain_english_summary":"This Order sets out how much New South Wales employers must pay for workers compensation insurance for the second half of 2013 (July to December). It applies to most employers who need this insurance under the Workers Compensation Act 1987.\n\n**What it does:**\n- **Calculates 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 an \"experience adjustment factor\" — businesses with fewer claims pay less, those with more claims pay more, subject to caps (1.5x to 2.5x the basic rate depending on premium size).\n- **Offers discounts** for paying premiums upfront (3% for medium/large employers, 5% for small employers) rather than in instalments.\n- **Sets excess amounts** that employers must repay to insurers for weekly compensation claims — $0 if they report injuries within 5 days, otherwise up to $1,903.70.\n- **Fixes interest rates** for late premium payments at 0.869% per month compounded monthly.\n- **Removes exemptions** for certain high-risk industries (like boxing and thoroughbred racing), requiring them to hold insurance.\n- **Provides incentives** including apprentice discounts, dust diseases contributions for hazardous industries, mine safety levies, and safety/return-to-work bonuses for employers who keep injured workers employed.\n\n**Who it affects:**\n- All NSW employers required to hold workers compensation insurance.\n- Specific groups like small businesses, apprentices, mining companies, and employers of previously injured workers.\n\n**Why it matters:**\nThis directly determines how much businesses pay for mandatory workers compensation insurance. The complex formula system aims to balance affordability for small businesses with risk-based pricing that rewards workplace safety and penalises poor claims management."},"summary":{"complexity_score":2,"scope_assessment":{"changed":true,"description":"The order was originally named 'Insurance Premiums Order 2013–2014', implying a full financial year scope. It was subsequently renamed to 'Insurance Premiums Order (July–December) 2013', indicating the scope was narrowed or clarified to cover only the second half of 2013 rather than the full 2013–2014 financial year."},"complexity_factors":["Very narrow, time-limited application (six-month period only)","Highly technical premium rate tables typical of insurance orders are not reproduced in the provided text","Routine administrative/regulatory instrument with no novel legal concepts","Renaming from original title adds minor interpretive confusion","Operates within a well-established legislative framework (Workers Compensation Act) without standalone complexity"],"plain_english_summary":"This NSW Government order sets the official workers’ compensation premium rates applicable from July–December 2013. It determines what insurers may charge employers for workplace injury cover during that six‑month period, ensuring authorised, consistent premiums for legally required insurance.\n\nIt replaces the earlier 2013–2014 title and exists in original (May) and updated (December) versions."},"flash_summary":{"complexity_score":8,"scope_assessment":{"changed":false,"description":"The Order is time‑limited and procedural: it sets rates, formulas, exemptions and administrative rules for a specified half‑year period (Sch 2 cl 1) and lists particular exempt categories (Sch 2 cl 2; cl 8). The text does not purport to expand or narrow the Act’s statutory coverage beyond applying those calculation and administrative rules to the defined policy period."},"complexity_factors":["Many interlocking mathematical formulas across primary clause 3 and Schedules 3–13 (experience rating, experience premium, input tax adjustment, dust/mine contributions, incentives).","Tiered employer classification (small/medium/large) and group aggregation rules that change calculations and caps (Sch 1 cl 2; cl 3(3)).","Multiple caps and limits on experience adjustment outcomes tied to tariff bands (cl 3(2)–(3); Sch 8).","Per‑capita versus wages treatment requiring conditional substitutions in formulas (Sch 3 cl 2; Sch 5, Sch 11).","Historic data dependence: experience measures use last two 12‑month periods, predecessors and departing group members affect calculations (Sch 5; Sch 5 cl 3).","Input tax credit mapping table that translates GST entitlement bands into premium adjustments (Sch 8 cl 1, Table).","Record‑keeping and evidentiary options for employers (continuous vs averaging odometer methods, accommodation/motor allowances) impose compliance burden (Sch 1 cl 3; cl 4–7).","Cross‑references to the Act and Regulations and delegated discretion for the Authority to issue guidelines and criteria (Sch 4(5); Sch 7(4); multiple notes)."],"plain_english_summary":"This Order prescribes how workers’ compensation insurance premiums are calculated for policies taking effect between 4 pm 30 June 2013 and 4 pm 31 December 2013. It sets the components (basic tariff, experience adjustment and premium, GST/input‑tax adjustment, industry and incentive contributions), numerical caps, minimums and per‑capita rules (cl 3; Schedules 3–13).\n\nIt binds employers (classified small/medium/large) who pay premiums and insurers who compute them, requires record‑keeping for allowances (cl 3; cl 4–6), and preserves Authority discretion to issue guidance or reduce factors (Sch 4(5); Sch 7(4))."},"issue_detection":{"absurdities":[],"contradictions":[]}},"importantCases":[],"_links":{"self":"/api/acts/insurance-premiums-order-july-december-2013","history":"/api/acts/insurance-premiums-order-july-december-2013/history","analysis":"/api/acts/insurance-premiums-order-july-december-2013/analysis","conflicts":"/api/acts/insurance-premiums-order-july-december-2013/conflicts","importantCases":"/api/acts/insurance-premiums-order-july-december-2013/important-cases","documents":"/api/acts/insurance-premiums-order-july-december-2013/documents"}}