Weekly Benefits – Loss of Income

This coverage is not automatically included in the current VAFA Insurance Program.

Top up cover for loss of income

Players are encouraged to consider including coverage for the Loss of Income benefit available under this policy.

This option is available on a “per team basis” only and should be discussed with your Club President, Treasurer or Secretary. The below table of benefits will be applied should your club wish to purchase one of the Top Up Option Levels on behalf of your team.

BJS Insurance Brokers P/L can arrange quotations for individual players also. This additional cover option is a must for all players if they especially work in a Trade related field of endeavour.

For further details, and application, please contact BJS Insurance Brokers Pty Ltd or phone (03) 9860 4225.

Can I claim Loss of Income if I only work on a Casual basis?

Provided that your club has selected a Top Up Option, the simple answer is Yes. You can claim for Loss of Income if you work on a Full Time, Part Time or Casual Basis, you will need your employer to complete the Loss of Income Section of the Claim Form.

What are the Benefits Payable?

A Top Up Option Level must be purchased and the table of benefits below must be read in conjunction with the Policy Wording.

Income Earners

Benefit Loss of Income
Description This covers an Insured Person who has suffered a Temporary Total Disablement whilst involved in an Australian Rules Football related activity. Cover is only provided if the Insured Person is an Income Earner.

Coverage

Top Up Option Level 1: $250 per week
Top Up Option Level 2: $300 per week
Top Up Option Level 3: $600 per week
Top Up Option Level 4: $800 per week

or 75% of the Insured Persons pre disability earnings whichever is the lesser. 14 day excess period 52 week maximum benefit period.

Injury Assistance Benefits – Where the insured person is not in receipt of income

Benefit Student Allowance – Non Income Earners
Description Reimbursement of actual costs incurred for Home Tutorial Expenses. Only available to Full-Time students who are non-income earners and as certified by a Medical Practitioner as necessary.
Coverage Selected Top Up Option per week 100% reimbursement 52 week maximum benefit period. 14 day excess period.

or

Benefit Domestic Home Help – Non Income Earners
Description Reimbursement of actual costs incurred for Domestic Home Help as certified by a Medical Practitioner.
Coverage Selected Top Up Option per week 100% reimbursement 52 week maximum benefit period. 14 day excess period.