Leisure Time Illness/WorkCover Top-Up/TAC Top up and Workplace Death and Trauma Benefits known as Income Protection and Trauma Insurance (IPT) provides a range of insurance covers, to workers where a worker suffers an illness, a workplace accident or a motor vehicle accident whilst in direct travel to and from work. While an employer is making the agreed IPT contribution payments, the employee will receive insurance cover for Leisure Time Illness, WorkCover Top-Up, Workplace Death and Trauma and TAC Top-Up.

*IPT Insurance provides cover for the following benefits:

• Weekly benefits for up to three years for a worker suffering from an illness (where a workers is under 65 years old)
• Top-up payments for workers suffering an injury whilst in direct travel to and from work, which is covered by the statutory transport accident scheme
• Top up payments for workers suffering a workplace injury which is covered by a statutory workers compensation scheme. Top up payments will be considered from the 53rd week of disablement whilst a worker is receiving workcover payments.
• Lump-sum capital benefits for workplace injury, resulting in death or permanent total disablement
• Child care benefit, following a workplace death for a worker with dependants, to a maximum $30,000

This is only available where the employer pays the weekly IPT contribution on the employees behalf.

PLEASE NOTE: If you are receiving Income Protection & Trauma (IPT) contribution payments to Incolink you will now receive one of the best Income Protection and Trauma Benefits in the industry. Where your EBA requires your employer to make IPT contribution payments to another agent; you will not receive cover under Incolink’s IPT Benefits Program.

To obtain more information about the Accident and Illness Benefits Program, please contact Incolink on (03) 9639 3000 or download a copy of the brochure .

All claims are managed by Total Claims Solutions, who have been appointed as claims managers on behalf of QBE Insurance (Australia) Limited. Claim forms are available online or contact Total Claims Solutions P/L on (03) 9663 2411.

*Conditions and exclusions apply to all the covers mentioned above and for additional information contact Incolink for a copy of the Incolink Accident and Illness Benefits Program Brochure.

Incolink is the administrator of the Accident and Illness Benefits Program. The Insurance Policy is arranged by Windsor Management Insurance Brokers and distributed by Incolink. Incolink does not manage or process claims. All claims are managed and processed by Total Claims Solutions, who has been appointed as claims manager of QBE Insurance (Australia) Limited. Incolink does not give any advice in relation the Insurance Policy.