Queensland Meals on Wheels Volunteers Personal Accident Policy Presentation 26 March 2019
AGENDA QMOW’s workforce and the risks 1. 2. Medicare / Legislation 3. The Insurance cover 4. Overview of the policy limits 5. Medicare / Non Medicare Medical expenses 6. General exclusions 7. The claims process
Queensland Meals on Wheels as a community organisation rely on the volunteers support on the daily functions and operations of the organisation. It is important to ensure they are well protected in the event of an unexpected injury by implementing and promoting best practices and workplace safety. 3
1 WORKFORCE AND THE RISKS
WORKFORCE AND THE RISKS Queensland Meals on Wheels’ workforce is made up of paid position holders and volunteer team members . The average age of team members is more mature, with varying levels of physical conditioning. Given the unique nature of your business activity, there are workplace risk factors specific to your organisation namely: ❑ 1. Environmental risks ❑ 2. Occupational risks ❑ 3. People risks Queensland Meals on Wheels - Volunteer Personal Accident Insurance explained 5
1. ENVIRONMENTAL RISKS What are the What are you personal How is it created? environmental risks? protective factors? Wear enclosed shoes Don’t rush through tasks Varied terrain and client Slippery surfaces & Plan your journey if site conditions uneven terrain walking on uneven terrain whilst carrying deliveries 3 points of contact Queensland Meals on Wheels - Volunteer Personal Accident Insurance explained 6
ENVIRONMENTAL RISKS (CONTINUE) Maintain hydration Wear a hat Heat exposure during summer Exposure to the weather Apply sunscreen regularly Climate appropriate clothing elements Hot vehicles Sunglasses Rainy conditions Use of physical shade to block sun Basic first aid for burns/first aid kit Hot working surfaces Use Fans & Heat extraction Hot working conditions Radiant sources of heat Regular rest breaks in the kitchens (ovens/stove tops) PPE and appropriate equipment Insulating hot work surfaces Queensland Meals on Wheels - Volunteer Personal Accident Insurance explained 7
2. OCCUPATIONAL RISKS What are you What are the How is it created? personal protective occupational risks? factors? Performing the same Be efficient with your physical tasks repetitively personal energy Food preparation Use mechanical aids that Repetitive manual Lifting of heavy cooking are available equipment handling tasks Follow manual handling Carrying deliveries guidelines Loading vehicles Max 25kg lift per person Queensland Meals on Wheels - Volunteer Personal Accident Insurance explained 8
OCCUPATIONAL RISKS (CONTINUE) Take regular breaks Wear sunglasses when Busy periods driving Fatigue Multiple shifts Eat regularly and stay hydrated Driver fatigue Buddy up for long drives Wear enclosed and Prolonged standing in the comfortable footwear kitchens Change posture frequently Prolonged sitting in Check vehicle set up is Ergonomics vehicles appropriate for chair/steering Repetitive tasks including wheel height food preparation Take regular breaks to stretch Queensland Meals on Wheels - Volunteer Personal Accident Insurance explained 9
3. PEOPLE RISKS What are the people What are you personal How is it created? risks? protective factors? Annual flu shots Exposure to Carry hand sanitiser in the communicable diseases Working with members car Driver aggression of the public Relaxation and Aggressive, mindfulness techniques psychologically unwell And people who are Always carry your mobile clients elderly, ill or disabled. Buddy system Clients with terminal illness Debrief regularly/EAP Queensland Meals on Wheels - Volunteer Personal Accident Insurance explained 10
HEALTH BENEFITS OF GOOD WORK (CONTINUE) “Loss of work has devastating effects on the individual, the family, and the community”. Research shows that being out of work (paid or voluntary) for extended periods of time is bad for a person’s health. The longer someone spends away from work, the less likely they will ever return. If a person is off work for: 20 days, the chance of ever getting back to work is 70% 45 days, the chance of ever getting back to work is 50% 70 days, the chance of ever getting back to work is 35% Queensland Meals on Wheels - Volunteer Personal Accident Insurance explained 11
2 MEDICARE / LEGISLATION
Understand the Medicare legislation and what you are allowed to claim Know your Insurance Policy and what it does / does not cover Be transparent with your volunteers regarding the gaps No organisation wants their volunteers to incur financial costs for their time volunteering or to have unrealistic expectations that the organisation should pay for any gaps in medical expenses Queensland Meals on Wheels - Volunteer Personal Accident Insurance explained 13
LEGISLATION – THE HEALTH INSURANCE ACT Background: When the government introduced Medicare and amended: • the National Health Act (1953, Commonwealth) , and • the Health Insurance Act (1973, Commonwealth) , and • then later the Private Health Insurance Act (2007, Commonwealth) , an amendment to the Act was introduced that ensured that Insurers were locked out from providing full cover for any medical expenses that Medicare was to cover. Queensland Meals on Wheels - Volunteer Personal Accident Insurance explained 14
3 THE COVER EXPLAINED
WHAT IS A VOLUNTARY PERSONAL ACCIDENT POLICY? A Voluntary Workers Personal Accident policy provides cover for defined out of pocket and non-Medicare medical expenses incurred in the event of an incident that results in all income earning voluntary workers and all non-income earning voluntary workers’: - • Death , or • Injury The incident must have occurred : • While the volunteer performed authorised work on behalf of Queensland Meals on Wheels' duties, and/ or • While they were travelling to and from work WorkCover Queensland Your WorkCover QLD accident insurance policy covers any workers you employ and does not relate to the Insurances arranged by JLT. Queensland Meals on Wheels - Volunteer Personal Accident Insurance explained 16
4 POLICY LIMITS
POLICY LIMITS – PERSONAL ACCIDENT & SICKNESS Policy limits: ▪ Part A Lump Sum Benefit $250,000 (outlined on next on next slide) ▪ Part B Bodily Injury Weekly Benefits $800 x 156 weeks (up to 85% of salary for working volunteers) ▪ Part D Fractured Bones - Lump Sum Benefit - $3,000 ▪ Part E (1) Loss of Teeth or Dental Procedures - Limit per tooth - $250 ▪ Part E (2) Loss of Teeth or Dental Procedures - Lump Sum Benefit - $3,000 ▪ Non – Medicare Medical Expenses - Lump Sum - $20,000 Other Queensland Meals on Wheels - Volunteer Personal Accident Insurance explained 18
POLICY LIMITS – PERSONAL ACCIDENT & SICKNESS Lump Sum Benefit $250,000 Cover for an ‘Event’ under this Part applies only if an amount for that Event is shown in the Schedule against Part A - Lump Sum Benefits Events Benefits Note: the following Event(s) must occur at or within The percentage of the amount shown in the twelve (12) months from the date of the Bodily Injury Schedule against Part A - Lump Sum Benefits (per covered person) Accidental Death 100% Permanent Total Disablement 100% Paraplegia or Quadriplegia 100% Loss of sight 100% Loss of use of one (1) or more Limbs 100% Permanent and incurable insanity 100% Permanent Loss of hearing 100% Permanent Loss of use fingers (4 fingers + thumb) 80% Burns- 3rd degree 50% Burns - 2nd degree 25% Fractured leg or patella with established non-union 10% Shortening of leg by at least 5 cm 7.5% Loss of at least fifty percent (50%) of all sound and natural teeth, including 1% to a max of $10k in total capped or crowned teeth, but excluding first teeth and dentures Queensland Meals on Wheels - Volunteer Personal Accident Insurance explained 19
PERSONAL ACCIDENT & SICKNESS - ADDITIONAL BENEFITS Additional Benefits explained: • Out of Pocket Expenses For the Insureds unforeseen expenses for Medical Aids, local transportation – (other than in an ambulance), for the purpose of seeking medical treatment, and other non- medical expenses such as clothing and non-medical equipment • Rehabilitation and Return to Work Assistance Benefit - $25,000 Targeted at improving the physical, psychological and emotional wellbeing of the Insured to support return to work • Funeral expenses Benefit - $10,000 If the Insured suffers accidental death – cover for reasonable funeral, burial or cremation / associated expenses Queensland Meals on Wheels - Volunteer Personal Accident Insurance explained 20
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