Important Disclaimer & Copyright

The Incolink Accident & Illness Benefits Program brochure is only intended to provide a general overview of the benefits available under the various insurance policies governing the Accident and Illness Benefits Program. It does not contain all the information that may be relevant to the matters included in it.  The information is provided as a matter of interest only - this information is not an insurance policy.

Conditions apply to a number of the benefits that may be available under those insurance policies. These conditions are not fully set out in this brochure. You should:

  • not act in reliance on the information contained in this brochure;
  • check the accuracy, reliability and completeness of any information; and if necessary
  • obtain independent and specific advice before acting.

This brochure has been produced to assist you in understanding the benefits that may apply under the various insurance covers administered by Incolink and the circumstances under which these benefits may be claimed.


Incolink is only the administrator of the Building and Construction Industry Accident and Illness Benefits Program.  The Insurance Policy is arranged by Windsor Management Insurance Brokers  ACN 083 775 795  AFS Licence Number 230747 and distributed by Incolink. Incolink does not manage or process claims. Incolink is not a holder of an Australian financial service licence and does not give any advice in relation to those insurance policies.

The Personal Accident & Illness Leisure Time policy is underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 038 AFS Licence number 239545.  All claims under Personal Accident & Illness Leisure Time Cover are managed by Total Claims Solutions ABN 42 389 515 023, who have been appointed as Claims Manager on behalf of QBE Insurance (Australia) Limited. 

The funeral policy is underwritten by MLC Limited ABN 96 000 000 402 AFS Licence number 230694.  Total Claims Solutions assess and forwards funeral claims to MLC for review. 

The Discretionary Cover is provided via Incolink’s Discretionary Fund and is governed by the Discretionary Guidelines. Total Claims Solutions manage all Discretionary Cover claims on behalf of Incolink.


This work is copyright and apart from any use as permitted under the Copyright Act, no part may be reproduced by any process without prior written permission from Incolink.