Leisure Time Personal Accident Insurance
If you work in the commercial/industrial building industry and your employer provides us with the days you work on these sites, or is paying Incolink Redundancy contributions, you will receive Free Personal Accident Insurance Cover.

Benefits include a weekly benefit for up to 2 years for an accident which occurs outside working hours and prevents you from working. Additional benefits include; Capital benefits, Broken Bones benefits and a Funeral benefit. Cover is also extended to your dependants for Dental Accident only occurring outside working hours. Emergency Transport for ambulance usage is covered anywhere in Australia, which is not work related and not covered by any statutory transport accident scheme. This insurance will apply whilst apprentice days and or redundancy contributions continue and remain current. (Conditions and exclusions apply)

Income Protection & Trauma (IPT) Insurance
If your employer is paying IPT contributions during your apprenticeship you will receive insurance cover for Leisure Time Illness, Workcover Top-Up, Workplace Trauma and TAC Top-Up. (Conditions and exclusions apply)

Portable Sick Leave (PSL)
The PSL scheme has been set up to take over the sick days you would normally lose when you leave or are terminated by your current employer. Incolink has purchased an Insurance Policy to cover workers in the building and construction industry who have a remaining balance at the time of termination. If you are eligible to receive PSL and your employer is paying the agreed PSL contribution payments during your apprenticeship, you will be covered by this scheme. The maximum number of days claimable during the life of the policy for any individual worker is 100. (Conditions and exclusions apply)

PLEASE NOTE: Insurance cover is only available for those workers where the employer continues to pay the relevant contributions. If a period exists where no contribution has been paid on your behalf whilst employed, then no cover will apply for such period. Gaps in contribution payments will mean no cover will apply.

Download Accident and Illness benefits brochure