If you are faced with an unfortunate circumstance that prevents you from working as a result of an accident or sickness, the last thing you want to be concerned about is your Income.
Accident and Sickness Insurance protects your Income to ensure that you can meet your immediate financial commitments should you be unable to work due to an Injury or Sickness. If you are unable to work that doesn’t stop the bills from coming in!
Labour Union Insurance (Brokers) specialise in organising Group Income Protection Insurance products that can be negotiated through Union Enterprise Bargaining Agreements, or by groups of individuals at workplaces. Significant cost savings can apply by covering employees in groups.
Protect your most vital asset - your ability
to earn an income. 
ASK LUI Benefits of Group Accident & Sickness Protection:
· Provides up to 85% of income ($1200.00 per week maximum)
· Covers you 24 hours/7 days a week.
· Up to 156 week benefit period.
· Benefits for partial disablement.
· Pregnancy complications covered for the first 33 weeks provided that you are hospitilised as a result.
· No individual applications or medicals to join.
· Worldwide cover for your income including whilst on annual leave.
· Tops up WorkCover Claims up to 85% of pre-disability income.
· Tops up Statutory Motor Accident Legislation claims up to 85% of pre-disability income.
· Capital Benefits of up to $100,000. (Journey Injury Insurance Only – Dependent upon WorkCover legislation in each State).
· Variable excess periods available.
· LUI has its own Claims Service Department to assist you.
PROTECT WHAT MATTERS MOST
Accident & Sickness Protection consists of three types of cover that are grouped together to make it more cost effective. The covers include:
Outside Working Hours
Offers you peace of mind that your income is protected should you not be able to work as a result of an accident or sickness that may occur during your leisure time.
WorkCover Top Up
Your income may be reduced under WorkCover or similar legislation if you are injured or suffer a sickness as a result of your employment. WorkCover Top Up can provide the difference between the compensation payable under WorkCover or similar legislation up to 85% of your pre-disability gross weekly earnings. Your pre-disability earnings would include regular established overtime, shift allowance and penalty rates up to a maximum of $1,200 gross per week.
Journey Injury
You may not be covered through WorkCover or similar legislation if you have an accident in the course of your journey to and from work. For example whilst walking or riding a bike or even driving a car. Journey Injury Insurance covers you for loss of income due to an injury only whilst travelling to and from work to your place of residence without substantial deviation. Cover for Journey Injury Insurance will vary according to state motor accident legislation if you are injured as a result of a motor vehicle accident. For permanent or fatal injuries, a Capital Benefit of up to $100,000 can apply.
The information contained in this site is general information only. It does not take into account individual objectives, financial situation or particular need of any client. A product disclosure statement (PDS) regarding these products is available and can be obtained by contacting our office. The PDS should be considered before acquiring, or considering any product(s) from this site.