Insurance
Incolink provides an extensive list of insurance options for your workforce. Our Worker Injury Management Service helps you navigate worker compensation and get your staff back to work sooner.
Incolink offers Insurance Benefits for Members
Incolink is the Construction Industry's safety net, offering a leading benefits program for your workforce.
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
When Redundancy Contributions are Paid
Incolink Employer members in Victoria who are paying Redundancy Contributions or are recording Apprentice Days on Incolink Employee Member's behalf will receive Leisure Time Accident Insurance for their employees, 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)
Employees will also receive Discretionary Cover, including:
- Emergency Transport (incl. Family)
- Accidental Dental (incl. Family)
- Funeral (Member Only)
When Additional IPT Contributions are Paid
Incolink Employer members in Victoria who also pay IPT Contributions on behalf of Incolink Employee Members will also receive Income Protection and Trauma (IPT) Insurance for their Employees, including:
- 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 employer and employee 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
Should Employer Members pay PSL Insurance Contributions on a Worker member's behalf, the following cover will also be made available to Worker members:
- Sick Leave Benefit - Injury
- Sick Leave Benefit - Illness
- Sick Leave Benefit - Carers
Portable Sick Leave Insurance records and holds up to 100 days of unused sick leave a worker has remaining at time of termination, and is available to workers who meet the following the conditions:
- The worker is employed and working for an employer registered in the PSLI program.
- The employer is paying the PSLI premium on the worker's behalf.
Days will be held for up to 2 years from last employer PSLI premium contribution payment.
Office-based workers insurance
Incolink offers employer members the opportunity to cover their office-based staff with the Accident and Illness Benefits Insurance Program. This applies to all workers who are at least 50% office-based.
All insurance inquiries for Office-Based Workers can be made to Incolink’s insurance provider Total Claims Solutions.
* Only applies for workers who are gainfully employed by a registered employer member who has continued to pay their redundancy and IPT premiums up to age 70, cover for Workcover top-up and workplace death and capital benefits is extended up to their 75th birthday. Redundancy payments must continue up to the worker’s 75th birthday.
** Refer eligibility criteria in the full Incolink Accident & Illness Benefits Program brochure.
When Redundancy Contributions are Paid
Incolink Employer members in Tasmania who are paying Redundancy Contributions or are recording Apprentice Days on Incolink Employee Member's behalf will receive Leisure Time Accident Insurance for their employees, including:
- Leisure Time Injury - Weekly Benefit
- Broken Bones
- Capital Benefits
- Journey Cover - Weekly Benefits
- Journey Cover - Capital Benefits
- Bill Payer
Employees will also receive Discretionary Cover, including:
- Accidental Dental (incl. Family)
- Funeral (Member Only)
When Additional IPT Contributions are Paid
Incolink Employer members in Tasmania who also pay IPT Contributions on behalf of Incolink Employee Members will also receive Income Protection and Trauma (IPT) Insurance for their Employees, including:
- Leisure Time Illness - Weekly Benefit
- Bill Payer
- Workplace Death and Capital Benefits
Eligible Incolink employer and employee members are also able to access Incolink's Work Injury Management Service - provided by Total Claims Solutions. Find out more about WIMS here.
Find out more about Insurance for Tasmanian members by clicking below.
When Redundancy Contributions and Insurance Premiums are Paid
Incolink Employer members in South Australia who are paying Redundancy Contributions on Incolink Employee Member's behalf will receive Discretionary Cover, including:
- Emergency Transport (incl. Family)
- Accidental Dental (incl. Family)
- Funeral (Member Only)
Incolink Employer members in South Australia who pay insurance premiums on behalf of Incolink Employee Members will also receive:
- Leisure Time Injury - Weekly Benefit
- Capital Benefits (Death)
- Journey Cover - Weekly Benefits
Eligible Incolink employer and employee members are also able to access Incolink's Work Injury Management Service - provided by Total Claims Solutions. Find out more about WIMS here.
Find out more about Insurance for South Australian members by clicking below.
Work injury management
Work Injury Management Service (WIMS) is automatically available to employers and injured workers who are part of the Incolink IPT program at no extra cost.
The program run by Total Claims Solutions’ offers fully trained and highly experienced Injury Management Coordinators to support the injured worker and employer through the entire Workers' Compensation process.
- Offers immediate access to experienced Injury Management Coordinators.
- Reduces downtime and increases productivity.
- Ensures appropriate policies and procedures are in place.
- Effectively manages all requirements through a WorkCover liaison person.
- Encourages a positive workplace culture.
- Payments must be current for workers when a workplace injury occurs.
For more benefits, visit our WIMS page.
Office-based workers insurance
Incolink offers employer members the opportunity to cover their office-based staff with the Accident and Illness Benefits Insurance Program. This applies to all workers who are at least 50% office-based.
Please refer to the Accident and Illness Insurance Brochure for more information, or contact Total Claims Solutions.