How TAC funding for treatment works
What the TAC pays for after a transport accident, the first 90 days rule, and how payment is set.
If you have been hurt in a transport accident in Victoria and you have lodged a claim, the Transport Accident Commission (TAC) can pay the reasonable cost of the treatment and support you need to recover. You do not pay the provider and then chase a refund on everything: for many services the TAC pays the provider directly once your claim is accepted.
The first 90 days
The TAC states that in the first 90 days after your accident it can help pay for a set list of treatments and services without you needing to contact it for approval first, as long as they are recommended by your doctor or health professional and are for your accident injuries.
That first-90-day list is broad. It covers allied health and physical therapies such as physiotherapy, occupational therapy and chiropractic; hospital treatment; medical and doctor appointments; x-rays and scans; initial surgery; prescribed medication; basic equipment like crutches and dressings; community nursing; dental; mental health services; and travel and accommodation to get to appointments.
After 90 days
Once you are close to or past 90 days since the accident and the TAC has not already approved further treatment, you or your provider need to seek approval to keep going. Some things, such as specialised equipment, surgery after three months, supported accommodation and home modifications, move to needing explicit approval after that initial window.
How much the TAC pays
The TAC pays the reasonable cost of treatment in line with its published fee schedule, and for services such as allied health assistance it pays according to the provider's grading. If a provider charges above the TAC rate, you may be asked to cover the gap, so it is worth confirming fees before treatment starts.
Sources
Transport Accident Commission, "Treatments and services" and "List of approved treatments and services in the first 90 days", tac.vic.gov.au. Allied Health Assistance policy, tac.vic.gov.au. Checked July 2026.
Ready to find a provider?
Browse the directory of TAC attendant care providers by region, or tell us where you need support and we will match you.
Related guides
- Attendant care explained What attendant care and post acute support cover, who qualifies, and how it is arranged.
- Getting treatment approved by the TAC When you need TAC approval, the Treatment and Recovery Plan, and the Clinical Framework it is judged against.
- How to choose a TAC provider The checks worth doing before you commit to an attendant care provider.