Income Protection Plan

Employee Accident and Sickness Programme for Union Members


Protect your family

Statistics show that more than 1 in 3 employees will suffer an injury or illness that incapacitates them for a period of more than 3 months.

Can you afford not to be covered?

For the cost of around 3% of your gross wage your income will be protected 24 hours a day, 7 days a week, worldwide for up to 104 weeks and it’s tax deductible.


What are the benefits?

In the event of Accident or Illness, the following will apply:

Benefit – 85% of your gross average earnings including overtime and allowances (as declared by your employer). The maximum benefit payable under the policy is $1500 per week

Benefit Period – The benefit is payable for up to 104 weeks or to age 65 (whichever comes first).

Waiting Period – The waiting period is the period for which you will not be entitled to a benefit. The waiting period is 14 days from the date your doctor was consulted about illness or injury and a doctors certificate is obtained. A 28 day waiting period is applicable in respect to football injuries.

Partial Disablement – If you have received a weekly benefit and are then able to return to work on a partial basis, a benefit of up to 25% of the full benefit is payable.

Lump Sum Benefits (Accident Only) –

o Death $50,000

o Permanent Paraplegia $50,000

o Permanent Quadriplegia $50,000

o Permanent loss of sight 2 eyes $50,000

o Permanent loss of sight 1 eye $25,000

o Permanent total loss of use 2 limbs $50,000

o Permanent loss of 1 limb $25,000

** Please refer to the Policy Wording and Document for full policy exclusions**

Contact the Union office for further details on 6331 7233
Auscover Insurance Agencies Pty Ltd

Locked Bay 5, Castle Hill NSW 1765


Fax:  (02) 8850 4133

Freecall:  1800 460 461