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CTP psychology approval in NSW
Quick answer: In most cases, your GP provides a referral, and your psychologist requests approval from the CTP insurer to fund treatment connected to your accident injuries. Once approved, sessions begin, and there are generally no out-of-pocket costs. If you're unsure about your entitlements, CTP Assist (1300 656 919) can help.
If you've been injured in a motor vehicle accident in NSW and are experiencing psychological symptoms, treatment can often be funded under the Compulsory Third Party (CTP) scheme. The approval process is reasonably straightforward, though the details depend on your claim. Here's how it generally works.
The usual steps
Your GP discusses your psychological symptoms and provides a referral for psychological treatment, connecting it to your accident-related injuries.
Your psychologist requests approval from the CTP insurer to fund a course of treatment, setting out the proposed treatment and goals in relation to your accident injuries.
The insurer considers whether the treatment is reasonable and necessary in relation to your accident. Once approved, a number of sessions is funded and treatment can begin.
Treatment proceeds, with progress reviewed and further approval sought where ongoing treatment is needed as your recovery requires.
Costs and entitlements
Where psychological treatment is approved under the CTP scheme as related to your accident, sessions are generally funded through the scheme. Because the details of the scheme (including timeframes, session numbers, and what is funded) are set by the scheme and your insurer and can change over time, the most reliable course is to confirm your current entitlements with your CTP insurer or with CTP Assist on 1300 656 919. Your GP and psychologist can also help you understand how treatment fits within the process.
If you're not sure where to start
Many people aren't sure whether psychology is covered or how to begin. A good first step is simply to talk to your GP about the psychological symptoms you've been experiencing since the accident. You're also welcome to contact us to talk through how treatment works and what the process looks like. There is no obligation, and it can help to understand your options before committing to anything.
Frequently asked questions
Generally, your GP provides a referral, and your psychologist requests approval from the CTP insurer to fund a course of treatment connected to your accident injuries. Once approved, sessions can begin, and there are generally no out-of-pocket costs.
Where psychological treatment is approved under the NSW CTP scheme as related to your accident, sessions are generally funded through the scheme with no out-of-pocket cost. Your GP and psychologist can help confirm approval before treatment begins.
CTP Assist is a NSW service that can help people understand the CTP scheme and their entitlements after a motor vehicle accident. They can be contacted on 1300 656 919 for guidance about your claim and what is covered.
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If you'd like help understanding how CTP psychology approval works for your situation, call or email directly. All enquiries are handled personally.
This page is general information for people in NSW and is not personal or clinical advice. Eligibility and funding depend on your individual claim and insurer approval. Please speak with your treating doctor about your situation.