ACCIDENT INSURANCE

FREE to all sda members

For many years, all financial members of the SDA have been covered by the Union’s free Accident Insurance Scheme.

The SDA works hard to continually improve our cover to provide additional benefits, as well as increasing the amount payable for injuries — still at no cost to you.

Accidents can happen

The SDA’s Accident Insurance Scheme covers you in the event of: l death, l total incapacity to work in the job you were trained and/or educated to perform, l the need for knee reconstruction or arthroscopic surgery, l the breaking of bones, l the loss of limbs, sight or hearing, l the complete or partial tear of achilles tendon, and l other defined injuries as listed in the policy, when they are caused by violent, external and visible means outside working hours and are not attributable to an illness.

Now up to $83,000

What you save

The SDA Insurance Scheme is absolutely free for every financial member of the Union.

If you had to insure yourself with a similar type of policy, it would cost you more than $450 each year.

The buying power of more than 200,000 SDA members nationally enables the Union to cover you for free.

When are you covered?

The SDA Accident Insurance Scheme is intended to cover you at all times when you are not covered by workers compensation.

In this way, you have 24-hour cover: workers compensation while at work, and the SDA Insurance Scheme at other times.

SDA members aged up to 80 are covered by the policy world-wide (subject to sanction exclusions), irrespective of where the accident occurs –absolutely free to every financial member of the SDA.

How to claim

If you suffer an injury, please contact the SDA for advice on the procedure to follow.

Claims should be submitted within 30 days of the accident.

The benefits of the SDA Accident Insurance Scheme are not affected if you have other insurance cover. Conditions apply.

Benefits payable for accidents*

Added value

l Dislocation of hip, knee, wrist, elbow, shoulder blade, collar bone or jaw $ 750 l Dislocation of thumb, finger or toe or other joint not specified (each) $ 400 l Accidental bodily injury resulting in breaks or simple fractures to:

– Neck or spine (full break) $ 750

– Hip or pelvis $ 750

– Skull or shoulder blade $ 750

– Collar bone or upper leg $ 750

– Upper arm, kneecap, forearm, elbow, lower leg, jaw, wrist, cheek, ankle, hand, or foot $ 750

– Vertebrae or ribs (per rib) $ 400

– Thumbs, fingers or toes

(per thumb, finger, toe) $ 400

– Other bones (not specified) $ 400

The maximum compensation for any one claim is $1,500. If claiming, a claim form must be submitted including a doctor’s certificate verifying the break, fracture or dislocation.

Accidents not covered

The policy does not apply to any event arising directly or indirectly out of: l Any consequence of war (whether declared or not), invasion or civil war or act of terrorism; l The insured person engaging in any aerial activity, except as a passenger and not as a pilot or crew member in any aircraft licensed to carry passengers; l Intentional self-injury, suicide, or criminal or illegal act of the insured person who is the subject of the claim; l A criminal or illegal act or as a result of the injured being intoxicated. l Pregnancy, childbirth or miscarriage; toe l Fractured leg or patella with established non-union l Shortening of leg by at least 5cm l Achilles tendon rupture: – complete tear l Permanent partial disablement not otherwise provided for under the above events l Allowance for approved alteration to home or vehicle or relocation to a suitable home, subsequent to disability as defined up to l Reimbursement of reasonable road, air or water transportation costs (excluding those that are prohibited from being paid by law, or are recoverable for any other source) up to $ 2,500 l Knee reconstruction replacing the anterior cruciate or posterior cruciate ligament $ 3,750 l Knee arthroscopic surgery $ 2,500 l Sexually transmitted disease, or Acquired Immune Deficiency Syndrome (AIDS) disease or Human Immunodeficiency Virus (HIV) infection (unless accidental); l Training for or participating as a professional in any sport; l Racing in or on any motor-powered device other than as part of a volunteer organisation or emergency and rescue service activities; l Radioactive contamination or radioactivity in any form whatsoever whether occurring naturally or otherwise. l Benefits considered to be ‘health insurance business’ or those prohibited from being paid by law may not be covered.

*For accidents that happen after 1 July 2022. Please note that the information contained in this leaflet is an outline only. The Union is bound by the full terms and conditions of the policy, which is available for inspection at the Union office.

A Message from your Secretary, Barbara

Nebart

The SDA Accident Insurance Scheme is intended to cover you at all times when you are not covered by workers compensation. In this way, members have 24-hour cover: workers compensation while at work, and the SDA Insurance Scheme at other times. Our free accident insurance scheme is another example of how your Union cares for its members, both at home and at work.

For more information on this, or our other services and benefits, please contact the SDA.

Register for an SDA Parental Pack and you could win!

To raise members’ awareness of the entitlements available to new parents and to clearly explain their industrial rights, the SDA provides a Parental Pack which includes a guide to industrial rights and obligations relating to parental leave, and a gift for your new baby.

Eligibility

Parental Packs are available to the mother or father of a child who is less than six months old where that parent is a financial member of the SDA either at the time of commencing parental leave or at the time of the birth of the child.

Register for your pack

You can register for your SDA Parental Pack immediately after birth of your child – simply contact the SDA by calling 1300 SDA HELP (1300 732 4357).

How to win!

When you register for your SDA Parental Pack, you’ll automatically go into the draw to win a gift voucher!

Winners are drawn every June and December.

Congratulations to our winners

u Charli Gaiter, Coles Rutherford u Stephanie Langan, Coles Scone u Taylor Moulds, Hungry Jack’s Singleton u Giacoma Arnott, Woolworths Raymond Terrace

Honorary Members

We congratulate our most recent retirees, and wish them all the best in their future adventures.

u Deborah Allen, Target Erina u Michelle Laws, Kmart Salamander Bay u Deborah Whitbread, Ritchies IGA Elermore Vale u Laurel Thompson, Ritchies IGA Singleton u Sandra Kur, Myer Erina u Susan Knight, Myer Erina u Lesley Thomson, Target Cessnock u Lenore Petrie, Target Glendale u Jenny Burgess, Big W Tuggerah u Christine Clarke, Coles Cessnock u Hazel Eding, Coles Umina u Dianne Paoletti, Coles Waratah u Debbie Trowbridge, Dan Murphy’s Green Hills u Kelly Brown, Coles Kotara u Cherylyn Gorrell, Woolworths Tuggerah u Karen Smith, Coles Toukley