Tuesday 6th November 2012
What is the Association’s Journey Accident Insurance?
This insurance is a scheme to provide assistance to members who are injured travelling to or from work and who, but for the O’Farrell Government’s changes to the Workers Compensation Act effective from 19 June 2012, would have been entitled to Workers Compensation.
Who is covered by Journey Accident Insurance?
If you are a financial member of the New South Wales Nurses & Midwives’ Association at the time of your accident travelling to or from work, you are entitled to claim under the scheme.
What does the cover provide?
The Journey Accident Insurance cover provides members who are financial at the time of the accident with:
What should I do if I have an accident travelling to or from work?
How do I make a claim?
Please contact the Association and a Journey Accident claim form will be forwarded to you
The form will need to include:
Once you have completed the claim form, submit it to the Association along with a copy of any letter advising you that your Workers Compensation claim has been denied.
What will the Association do?
Upon receiving your Journey Accident Claim form, the Association will:
– Your Workers Compensation claim; and
– Other legal entitlements eg. Third Party/Personal Injury claim.
The Association will liaise on your behalf with our Insurers and we will continually advise you of the progress of your claim.
What is the process I should expect when making a claim?
Upon receipt of your completed Journey Accident Claim form, the Association will forward it to our Insurers for review and processing. Our Insurers will assess and respond to the claim within 5 business days. Should further information be required, this will be requested via the Association and once received by our Insurer will be assessed within a further 5 business days.
Once the initial payment has been approved, a remittance advice will be forwarded to the Association and you will be advised by email (or mail if you do not have access to email).For claims that are assessed to be more long term you will be requested to provide the following over the life of the claim:
Frequently asked questions
Q: When am I covered?
A: When travelling directly between the boundaries of your place of residence and place of work (nursing related activities only) for the purposes of starting or ending your day’s work or whilst travelling during recess breaks.
Q: How are payments made to members?
A: Benefits are paid directly to the member’s nominated bank account. Initial payment will be made to the member within 5 business days of our Insurer receiving claim form. Further payments will then be paid directly to the member on a monthly basis for the life of the claim.
Q: Will I automatically be paid?
A: No. The insurance policy has a 7-day waiting period which means that if you are off work for less than a week as a result of your accident, you are not entitled to any payment.
However, you should still submit a claim as an injury arising from your accident may mean that you have time off work at some future date.
Q: How long will payments last?
A: Payments will continue until you are fit to return to work, but are limited to a maximum of 104 weeks from the date of your injury.
Q: Can I use my sick leave and then have it re-credited?
A: Yes, provided your employer agrees.
Where a member has received paid leave during their time off work as a result of their injuries, there is the option to elect for the insurance benefit to be paid directly to their employer to ‘buy back’ (re-credit) a portion of their leave entitlement. In this case the amount payable to the employer is the same as that which is payable to the member i.e. up to 85% of salary (excluding leave loading).
Please inform us if you are seeking to have your leave re-credited as there is an additional form that will be required to be completed.