Match Day Checklist (PDF, 147KB)Personal Accident: Loss of Income (Temporary Disablement)
Loss of Income Cover is an optional extra that clubs can elect to purchase for additional premium. To obtain Loss of Income coverage please complete and return the Optional Upgrade Form located on the Upgrading Cover section of this web site or contact JLT Sport on 1300 130 373.
What does the Loss of Income section cover?
This section covers weekly Income foregone by members, regional boards, players, volunteers, officials, trainers, umpires, referees, coaches, directors, officers, committees, sub-committees and work experience students should they be injured whilst involved in a football related activity.
A club must first select the amount, in blocks of $50 (gross), that a member is to receive if injured. The club must then select the preferred elimination period that is to apply to each claim – 14 or 49 days.
An individual must select the amount, in blocks of $50 (gross), that is to be received if he/she is injured.
A 14 day or 49 day elimination period applies (as purchased by the club).
What is the benefit payable?
The cover will be either 80% of the player’s net weekly Income or the dollar amount selected by the club/individual – whichever is the lesser. The maximum benefit period is 52 weeks. An elimination period will apply commencing from the first day medical treatment was sought for an injury resulting in total or partial disablement, for which no compensation is payable. Please note that payments will be made to claimants net of tax by the Scheme and group certificates issues for tax purposes.
In determining Loss of Income payments, sick leave entitlements and the relevant elimination period will be taken into account in the calculation process.
Umpires
All Club Umpires (volunteers) are covered under the Australian Football National Risk Protection Program (to the level of cover taken out by their club).
Umpiring Associations/Leagues who are directly part of a Football League (i.e. umpires are paid by the football league) are provided automatic Personal Accident cover at Bronze Level (or the level of cover taken out by the Football Association/League).
If Umpiring Associations/Leagues wish to upgrade, the Australian Football National Risk Protection Program can offer additional cover as detailed below:
| Benefit | Cover | Cost |
|---|---|---|
| Non Medicare Medical |
|
$21.00 per umpire |
| Loss of Income |
|
$37.00 per umpire |
Conditions
- All umpires in the Association/League must be included in the cover.
- The cover is not available to individual umpires.
Umpires who are directly employed by an Umpiring Association/League that is a separate organisation to the Football League itself, are not covered under this Program, except for Public Liability cover whilst officiating on match days.
Should Umpiring Associations/Leagues wish to apply for Personal Accident cover, please contact JLT Sport on 1300 130 373.