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Lifetime Care and Support Scheme

Benefits for people catastrophically injured in a road accident

The Lifetime Care and Support (LCS) scheme was introduced to recognise that people catastrophically injured in a road accident may require treatment, assistance and care for the rest of their lives. This is a level of care above that provided under the Third Party Insurance scheme.

The LCS scheme provides separate benefits for people catastrophically injured in a motor vehicle accident.

Catastrophic injuries are defined and include spinal cord injuries, brain injury, multiple amputations, severe burns and blindness.

  • The scheme is not fault-based.
  • Assistance is available for catastrophically injured people regardless of who caused the accident that injured them.
  • Drivers, even if at fault, are covered under the Lifetime Care and Support scheme.

The scheme was introduced initially for children under 16 who were injured on or after 1 October 2006. The scheme was expanded to include adults injured on or after 1 October 2007.

Fund Levy

The Lifetime Care and Support scheme is funded by the Fund Levy. 

The Fund Levy funds ambulance and hospital costs for all motor vehicle accidents, costs that were previously included in the greenslip premium. It is shown as a separate item in your greenslip price.

  • The Fund Levy is calculated as an amount added to the base greenslip premium.
  • The amount varies based on vehicle type and geographic region.

The Fund Levy was previously called the Medical Care and Injury Services Levy (MCIS Levy).

Find more about the Fund Levy.

How it Works - more info

Injury claims >

What to do if you want to make a claim from your CTP insurer. read more

CTP Care >

Further benefits for NSW CTP claimants after 5 years. read more

State Insurance Regulatory Authority >

Government authority responsible for the NSW CTP scheme. read more

Scheme changes 2009 and 2010 >

History of major changes to the NSW CTP scheme. read more

Motor Accident Authority >

Previous authority responsible for the NSW CTP scheme. read more

CTP insurance >

Why you need CTP insurance and how it works. read more

What is a greenslip? >

Find out exactly what is meant by a green slip in NSW. read more

Who and what is covered? >

Who and what is covered by your CTP green slip. read more

At-Fault Driver Cover >

What is At-Fault Driver Cover and which insurer offers it. read more

Setting prices >

How green slip prices are set and how you could reduce them. read more

Discounts >

Discounts and ways to reduce costs on other insurance products. read more

Demerit points >

How demerit points affect your driving licence and your greenslip read more

Youngest driver >

Youngest driver explained and how to reduce premiums. read more

Pensioner concessions >

What kinds of concessions you can claim as a pensioner. read more

Mythbusters >

Quickly separate the facts from fiction about CTP green slips. read more

Interesting statistics >

Statistics about motor vehicle accidents in the past year. read more

An explanation of the Fund Levy >

Cost of the Fund Levy and what it pays for. read more

Complaints >

How to make a complaint about your CTP insurer or SIRA. read more

Geographical zones >

Greenslip prices set using geographical zones by postcode. read more

Third Party Insurance Scheme >

The Third Party insurance scheme in NSW explained. read more