INCOLINK INSURANCE Your family’s safety net

Posted on Jan 31, 2018

Incolink is the only redundancy fund to provide Leisure Time Accident Insurance cover to all Incolink worker members as part of your redundancy. Incolink Insurance offers a greater degree of financial security to you and your family and acts as a safety net when times are tough. The average family will experience stressful ups and downs in their finances throughout the year and this part of the Incolink insurance program can assist by covering costs if you have an accident in your leisure time.

What is offered?

Both the Incolink Leisure Time Accident Insurance and Discretionary Covers are included when your employer is paying redundancy payments into Incolink according to your EBA or other industrial instrument*. These include:

Incolink Leisure Time Accident Insurance Cover for members only:

  • Weekly Benefit
  • Broken Bones
  • Capital benefits, and
  • Journey Cover (weekly and capital benefits)
Incolink Discretionary Covers:
  • Ambulance (including family)
  • Accidental Dental (including family)
  • Funeral (member only)
Any gaps in payments will mean you are not covered under this program so it is important to check your redundancy payments are up to date to ensure coverage.

Check you are covered

Remember to register with Incolink Job Support whenever you are unemployed and between jobs to take advantage of the nine month extension to your coverage (excluding Journey). You can check your payments and your balance at any time via the Incolink smartphone app or via Workerlink at incolink.org.au.

An Incolink Insurance family example**

Aki and his partner Samantha have 2 children, Amy (5) and Tam (2). Over the course of one year Incolink Leisure Time Accident Insurances and Discretionary Covers assisted them in covering some of their unexpected costs.

Example of incidentsExample of paid benefit
Accident Weekly Benefit as Aki was unfit for work due to breaking his leg in an accident in his leisure time$3,800
Broken Bones benefit for Aki’s broken leg$4,000
Accidental Dental when Samantha chipped a healthy tooth$740
An ambulance trip when Amy needed emergency treatment$1,204
Total$9,744
The scenario described above is hypothetical and is for illustration purposes only. Terms & conditions apply. For more information contact Incolink for a copy of the Accident & Illness Benefits Program brochure or visit incolink.org.au. Cover applies to apprentices if your employer is registered with Incolink and apprentice days are recorded on your behalf and they are current. These calculations were made using Incolink insurance coverage data and are illustrative only. ***After applicable waiting period and based on the maximum weekly benefit of $950 (with dependants) provided the employer makes redundancy contributions on behalf of the worker and are current.

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