Insurance
As an Incolink member you receive access to our insurance program, to support you when the unexpected happens.
Insurance Coverage
Insurances help to keep you protected both on and off the job, supporting you when the unexpected happens.
You can find a list of your insurances below.
Please ensure to check your policy and any exclusions that may apply.
When redundancy and insurance premiums are paid
Are you a South Australian worker receiving Redundancy Contributions and Insurance Premiums from an Incolink Employer? If so, you will receive access to our Accident and Illness Benefits program, including:
- Leisure Time Injury - Weekly Benefit
- Broken bones
- Capital benefits
- Bill Payer
- Pre-term Labour & Miscarriage Benefit
- Leisure time Illness – Weekly Benefits
- Workers Compensation Top-Up
- Workplace Death & Capital Benefits
Insurance premium payments must be current at the time of injury or illness.
When redundancy contributions are paid
Worker members will also receive Discretionary Cover for Funerals if their redundancy contributions are up-to-date.
Incolink WIMS
Eligible* workers are also able to access Incolink's Work Injury Management Service (Incolink WIMS) – a specialised construction workers’ compensation injury management service for Incolink members. Incolink WIMS is provided by Total Claims Solutions. Find out more about WIMS here.
Find out more information about Incolink’s insurances by downloading the Insurance Brochure below:
Download the insurance brochure
*The service is only available to employers and their injured workers when the applicable levy is paid by the employer.
Are you a South Australian worker receiving Redundancy Contributions from an Incolink employer? If so, you will receive Discretionary Cover. This includes:
- Emergency Transport (incl. Family)
- Accidental Dental (incl. Family)
- Funeral (Member Only)
You also get additional cover, provided your insurance premiums are paid by an Incolink employer. This cover includes:
- Leisure Time Injury/Illness - Weekly Benefit
- Capital Benefits (Death)
- Journey Cover - Weekly Benefits
Eligible workers are also able to access Incolink's Work Injury Management Service (Incolink WIMS) - provided by Total Claims Solutions. Find out more about WIMS here.
When Redundancy Contributions are Paid
Are you a Tasmanian worker receiving Redundancy Contributions from an Incolink Employer, or who is having apprentice days recorded? If so, you will receive Leisure Time Accident Insurance, including:
- Leisure Time Injury - Weekly Benefit
- Broken Bones
- Capital Benefits
- Journey Cover - Weekly Benefits
- Journey Cover - Capital Benefits
- Bill Payer
You will also receive Discretionary Cover, including:
- Accidental Dental (incl. Family)
- Funeral (Member Only)
When Additional IPT Contributions are Paid
Is your employer is also paying IPT Contributions on your behalf? If so, you will also receive Income Protection and Trauma Insurance. This includes:
- Leisure Time Illness - Weekly Benefit
- Bill Payer
- Workplace Death and Capital Benefits
You may also be able to access Incolink’s Work Injury Management Service - provided by Total Claims Solutions. Find out more about WIMS here.
Find out more information about Incolink’s insurances by downloading the Insurance Brochures below:
When Redundancy is Paid
Are you a Victorian worker receiving Redundancy Contributions from an Incolink Employer, or who is having apprentice days recorded? If so, you will receive Leisure Time Accident Insurance, including:
- Leisure Time Injury - Weekly Benefit
- Broken Bones
- Capital Benefits
- Journey Cover - Weekly Benefits
- Journey Cover - Capital Benefits
- Bill Payer (when additional premium is paid)
You will also receive Discretionary Cover, including:
- Emergency Transport (incl. Family)
- Accidental Dental (incl. Family)
- Funeral (Member Only)
When Additional IPT Contributions are Paid
If your employer is also paying IPT Contributions on your behalf, you will also receive Income Protection and Trauma (IPT) Insurance. This includes:
- Leisure Time Illness - Weekly Benefit
- Bill Payer (when additional premium is paid)
- TAC Top-Up
- Workers Compensation Top-Up
- Workplace Death and Capital Benefits
- WorkCover Top-Up and Workplace Death and Capital Benefits for workers aged 70-75.*
Eligible** Incolink members are also able to access Incolink's Work Injury Management Service - provided by Total Claims Solutions. Find out more about WIMS here.
When Additional PSL Insurance Contributions are Paid
If your employer also pays PSL Insurance Contributions on your behalf, you will receive the following additional cover:
- Sick Leave Benefit – Injury
- Sick Leave Benefit – Illness
- Sick Leave Benefit - Carers
Your Portable Sick Leave Insurance records and holds up to 100 days of unused sick leave that you have remaining at time of termination. PSLI is available to you if you meet the following the conditions:
- You are employed and working for an employer registered in the PSLI program.
- Your employer is paying the PSLI premium on your behalf.
Days will be held for up to 2 years from your last employer’s PSLI premium contribution payment.
Incolink WIMS
Eligible workers are also able to access Incolink's Work Injury Management Service (Incolink WIMS) – a specialised construction workers’ compensation injury management service for Incolink members. Incolink WIMS is provided by Total Claims Solutions. Find out more about WIMS here.
Find out more information about Incolink’s insurances by downloading the Insurance Brochure below:
Download the insurance brochure
All insurance enquiries can be made to Incolink’s dedicated case management team at Total Claims Solutions.
Total Claims Solutions is a leading specialist case management organisation that's been managing the Incolink Accident and Illness Benefits program for more than 25 years.
Total Claims Solutions
Level 1, 151 Rathdowne Street
Carlton, VIC 3053
Telephone: (03) 9663 2411