Income Protection and TWU Group Accident and Sickness Protection

The TWU has been offering an Accident and Sickness Income protection service for members for several years. It is an option for members who don’t already have Income Protection written into their Enterprise Agreements and is a service for many of our members who don’t have the large workplaces needed to sustain a group policy.

Many of our union negotiated enterprise agreements include income protection insurance.

If you are unsure what income protection is and what the perks are, fill out the below survey to get a more thorough understanding.

https://www.surveymonkey.com/r/GRFKKDF

Please note that claims may not be paid for Pre-Existing Conditions:

"Pre-Existing Condition” means any injury or any illness, disease or condition that existed prior to the commencement of the Period

of Insurance, of which You were aware before the Period of Insurance, or which a reasonable person in Your circumstances could

have been expected to have been aware, or for which You have received or sought medical attention or treatment or for which You

have undergone testing prior to the commencement of the Period of Insurance.

Our individual Accident and Sickness Income Protection is operated by Medcorp and covers eligible members for sickness and accident 24 hours - 7 days a week.

Through an additional weekly deduction from your member fees, you can get:

  • Income Cover for $1000* weekly benefit including capital benefits of $100k costing $16.00 weekly

  • Income Cover for $1500* weekly benefit including capital benefits of $100k costing $21.00 weekly

  • Income Cover for $2000* weekly benefit including capital benefits of $100k costing $26.00 weekly

Click here for a copy of the PDS

Click here for an application form

Cover will commence when the TWU receives both your signed and dated application form and direct debit details.

Please submit to info@twuwa.org.au

Cover Force offers Group income protection called PayCover.

PayCover is the best choice for Group Income Protection through Enterprise Agreements. If the cover isn’t included, companies can request group cover where more than 75% of employees are interested in the benefit.

Employees pay for this unless the company offers this as an employee benefit, or includes PayCover in future Enterprise Agreements.

Some companies currently using PayCover are:

  • Star Track

  • Toll Transport

  • Sadleirs Transport

  • SCT logistics Australia

Read about some of the key benefits here.

If you are interested and want your company to adopt this income protection benefit, speak with your organiser today.