Journey Accident Insurance
The AMWU is proud to introduce a Journey Accident Insurance policy for all full fee paying financial members via Coverforce Insurance Broking.
We have arranged the Insurance from 15 December 2013 so that members and their families have a safety net and are not exposed to loss of income if injured on the journey to and from work.
The Journey Accident Insurance does not replace previous Workers Compensation arrangements but does provide an alternative program for members, including the following benefits:
- Weekly Accident Benefit up to 85% of a member’s weekly wage to maximum of $1,500 per week
- We have elected a waiting period of 14 days
- The maximum period that the benefit period is paid is 104 weeks
- There is no death benefit with this Insurance offer - please consider your own personal requirements.
Important Information
Who is covered?
To be entitled to the benefits of the policy you must be an eligible financial member of the AMWU and be paying full dues. It is important to note that you must be a full member of the Union at the time of the accident to be covered under this policy.
This benefit does not apply to retired members or life members.
Pre-existing conditions are not insured.
Am I required to take all my sick leave or any other leave before I can claim?
As there is a 14 day waiting period you may want to use sick pay or annual leave/RDO’s accruals during this period. Following the first 14 day waiting period, if you are eligible, income benefits will be paid to you.
Can I claim for any medical expenses incurred as a result of the Accident?
No - this is income protection insurance if you are unable to work due to an accident travelling to or from work. It is not medical insurance.
Exclusions
As with all insurance, there are some exclusions and restrictions including the following:
- This benefit is not payable to otherwise eligible members or their immediate family as defined above over the age of 70 years.
- This benefit is not available arising out of a deliberately self-inflicted injury.
- This benefit is not available where alcohol and/or drugs (other than a drug taken or administered by, or in accordance with the advice of a legally qualified medical practitioner) were a contributing factor or where there are more alcohol or drugs involved than the law permits.
Please see the policy documents available in the downloads section for full details on applicable exclusions to this cover.
