What TAC-funded support am I entitled to?

A branch-by-need guide to what the TAC covers, from physio and psychology to attendant care and hospital treatment.

The TAC funds a wide range of treatment and support after a transport accident, but it is scattered across the TAC's site by service type. Find the situation below that matches what you need, and follow the pointer.

You need physical treatment for your injuries

Physiotherapy, occupational therapy, chiropractic, exercise physiology, hand therapy, podiatry and similar allied health and physical therapies are on the TAC's first-90-day list. That means the TAC can pay for them without you needing to contact it for approval first, as long as your doctor or health professional recommends the treatment and it relates to your accident injuries.

This directory does not yet cover physio, OT or similar providers, see our guide on how to check whether a provider is TAC-approved for how to find and confirm one. See the TAC fee schedule hub for what the TAC pays for physiotherapy, occupational therapy and chiropractic specifically. The TAC's own "Treatments and services" pages are the authoritative source on what is covered.

You need help with the emotional or mental side of recovery

Mental health and wellbeing services, meaning treatment or counselling from psychiatrists, psychologists, neuropsychologists, social workers or your family doctor, are also on the first-90-day list, referred by a medical practitioner. No prior TAC approval is needed to start.

The one thing to check: the TAC states it cannot pay for psychology treatment delivered by a social worker or counsellor, only by a registered and qualified psychologist. If a registered psychologist is what you need, confirm that is what you are seeing. The TAC fee schedule hub has the current TAC psychology rate.

You need help at home with everyday living

This is attendant care: help with things like showering, dressing, moving about and getting out into the community. Unlike physio or psych, it is not on the no-approval-needed first-90-day list. It usually starts with a recommendation from your doctor or treating team, and a Review of Capabilities assessment may be sent to the TAC to work out the level of support. Your provider also has to be registered with the TAC before it can deliver the service.

For attendant care, Find TAC Providers rebuilds the TAC's own published Attendant Care Provider List. Browse the directory to find a registered provider in your part of Victoria.

You need hospital care, medical appointments, scans, medication or basic equipment

Hospital treatment, GP and doctor appointments, x-rays and scans, initial surgery, prescribed medication, and basic equipment such as crutches and dressings are all on the first-90-day no-approval list too. Bigger items move to needing explicit approval: surgery more than three months after the accident, specialised equipment such as medical beds or wheelchairs, supported accommodation and home modifications all need the TAC to sign off first.

You need something else: transport, home modifications, driving support, education support

Taxi or rideshare travel to appointments, support at home such as cleaning or gardening, supported accommodation, driving programs and vehicle modifications, education support and gym or pool memberships all sit outside the automatic first-90-day list. These need TAC approval before they start, so the right move is to raise the need with your Claims Manager or call the TAC directly.

Not sure which one applies to you

It is common to need more than one of these at once, and it is fine to ask the TAC to talk it through rather than work it out yourself. Call the TAC on 1300 654 329, Monday to Friday 8:30am to 5:30pm, or if you already have a claim, ask your Claims Manager directly.

Sources

Transport Accident Commission, "Treatments and services", "List of approved treatments and services in the first 90 days", "Mental health and wellbeing services", "Allied Health Policy", "Attendant care", "Who can provide psychology treatment" and "Contact us", tac.vic.gov.au. Checked July 2026.

Related guides

• Gap fee by service type: what TAC pays for physio, psych, OT and more How gap fees work across the services the TAC funds, with a link to the full rate for each discipline.
• 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.
• Attendant care explained What attendant care and post acute support cover, who qualifies, and how it is arranged.