This report makes recommendations about prevention, compensation, rehabilitation and return to work, interaction with other government programs and superannuation and insurance regulation thoughout Australia. Chapters include: Inquiry, Existing arrangements, Prevention, Compensation, Rehabilitation & return to work, Interaction with other government programs & superannuation, Insurance regulation, and Recommended Changes. Appendices consider arrangements, legislation, costs, overseas experience, history, premiums, incentives, benchmarking, OHS survey data, State & Territory schemes data, conduct, boxes, statistics tables, figures, attachments, references.