{"id":475,"date":"2023-08-23T04:14:04","date_gmt":"2023-08-23T04:14:04","guid":{"rendered":"https:\/\/bert.com.au\/?page_id=475"},"modified":"2026-03-06T12:09:01","modified_gmt":"2026-03-06T02:09:01","slug":"building-civil-workers","status":"publish","type":"page","link":"https:\/\/bert.com.au\/building-civil-workers\/","title":{"rendered":"Building &#038; Civil Workers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"475\" class=\"elementor elementor-475\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-185dc21 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"185dc21\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-11eb0b4\" data-id=\"11eb0b4\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-875685d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"875685d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-083cc33\" data-id=\"083cc33\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c80d1a8 elementor-widget elementor-widget-heading\" data-id=\"c80d1a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-xxl\">Building &amp; Civil Workers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5d63c7 elementor-widget elementor-widget-text-editor\" data-id=\"b5d63c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Cover up to 70 years of age\u00a0<\/li><li>Worldwide coverage (payments only when in Australia)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac72156 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"ac72156\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/bert.com.au\/wp-content\/uploads\/2026\/03\/CIP-Booklet-Accident-And-Illness-Benefits-Program_March-2026.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-long-arrow-alt-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M313.941 216H12c-6.627 0-12 5.373-12 12v56c0 6.627 5.373 12 12 12h301.941v46.059c0 21.382 25.851 32.09 40.971 16.971l86.059-86.059c9.373-9.373 9.373-24.569 0-33.941l-86.059-86.059c-15.119-15.119-40.971-4.411-40.971 16.971V216z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download the Standard Program Brochure<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-03ba618\" data-id=\"03ba618\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1308a15 elementor-widget elementor-widget-image\" data-id=\"1308a15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/bert.com.au\/wp-content\/uploads\/2024\/04\/BERT20240422_7RV0148StarlightMedia-1024x683.jpg\" class=\"attachment-large size-large wp-image-1793\" alt=\"\" srcset=\"https:\/\/bert.com.au\/wp-content\/uploads\/2024\/04\/BERT20240422_7RV0148StarlightMedia-1024x683.jpg 1024w, https:\/\/bert.com.au\/wp-content\/uploads\/2024\/04\/BERT20240422_7RV0148StarlightMedia-300x200.jpg 300w, https:\/\/bert.com.au\/wp-content\/uploads\/2024\/04\/BERT20240422_7RV0148StarlightMedia-768x512.jpg 768w, https:\/\/bert.com.au\/wp-content\/uploads\/2024\/04\/BERT20240422_7RV0148StarlightMedia-1536x1024.jpg 1536w, https:\/\/bert.com.au\/wp-content\/uploads\/2024\/04\/BERT20240422_7RV0148StarlightMedia-2048x1366.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-273abe1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"273abe1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-01c060d\" data-id=\"01c060d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-13724a6 elementor-widget elementor-widget-heading\" data-id=\"13724a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-xl\">Building &amp; Civil Worker Benefits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-947901c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"947901c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23f436b\" data-id=\"23f436b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e376d3 elementor-widget elementor-widget-heading\" data-id=\"2e376d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Income Protection (Injury and Illness)\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-856cd8f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"856cd8f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ceadd5\" data-id=\"3ceadd5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ed1ac1 elementor-widget elementor-widget-text-editor\" data-id=\"4ed1ac1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Leisure time injury and illness<\/li><li>Up to 85% of pre disability earnings to a maximum benefit of $1,650 per week (from March 2026)<\/li><li>21 days excess period on claims<\/li><li>Up to 2 years benefit period\u00a0<span class=\"ui-provider a b c d e f g h i j k l m n o p q r s t u v w x y z ab ac ae af ag ah ai aj ak\" dir=\"ltr\">(52 weeks for members aged 65 to 70)<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-720466d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"720466d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aee9642\" data-id=\"aee9642\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65119b7 elementor-widget elementor-widget-heading\" data-id=\"65119b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Bill Payer (For Injuries\/Illnesses From 1 March 2023) <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3b10e5d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3b10e5d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-df0d94c\" data-id=\"df0d94c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-151065e elementor-widget elementor-widget-text-editor\" data-id=\"151065e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Members on a CIP claim will be able to claim up to $250 per agreed bill to a maximum of $5,000 over the duration of a claim. Bills covered and able to be claimed include:\u00a0 \u00a0\u00a0<\/p><ul><li>Electricity<\/li><li>Water<\/li><li>Gas<\/li><li>Phone (landline and mobile)<\/li><li><p>Tuition fees (for primary school, secondary school or tertiary education for a workers dependants)<\/p><\/li><\/ul><p>Conditions:<\/p><ul><li>Bills must be issued by the service provider within the period of disablement<\/li><li>No benefit will be paid for bills received during the first 21 days of disablement (waiting period)<\/li><li>Late fees charged on any bill will not be reimbursed<\/li><li>Bills will only be reimbursed to the worker (or in joint names the worker is one of the named addressees) and for the worker&#8217;s residential address<\/li><li>In the event of joint mobile phone bills where there are multiple services listed, only the portion of the bill that applies to the worker will be reimbursed.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-808b176 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"808b176\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a1d8d56\" data-id=\"a1d8d56\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8515fb elementor-widget elementor-widget-heading\" data-id=\"f8515fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Portable Sick Leave <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ca85b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ca85b9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a3563ff\" data-id=\"a3563ff\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-040c359 elementor-widget elementor-widget-text-editor\" data-id=\"040c359\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Allows employees that accrue sick leave to bank days that would normally be lost when they leave or change employment. \u00a0\u00a0\u00a0<\/p><ul><li>Bank unused sick leave days on termination<\/li><li>Capped to 100 days maximum<\/li><li>CIP Termination must be completed online or a form completed by employer<\/li><li>Held for 2 years from last contribution<\/li><li><p>Days returned to employer if employee returns to employer within 6 months<\/p><\/li><\/ul><p>CIP Termination Forms are available on this website under\u00a0<span class=\"cip-link a\"><a title=\"Forms\" href=\"\/forms\/\" data-udi=\"umb:\/\/document\/f309f3df0a0d487bad07180686945913\">forms<\/a><\/span>\u00a0or via the employer online contribution advice. The form must be completed by the employer and submitted to CIP to ensure sick leave entitlements are banked for the workers.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dbcc9fb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dbcc9fb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-614b21e\" data-id=\"614b21e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d7a21c elementor-widget elementor-widget-heading\" data-id=\"5d7a21c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">WorkCover Top Up Benefits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-00b3fe0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"00b3fe0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-83e2a23\" data-id=\"83e2a23\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ac25225 elementor-widget elementor-widget-text-editor\" data-id=\"ac25225\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Covers eligible insured workers once WorkCover benefits reduce below 85% of pre-disability earnings. \u00a0\u00a0\u00a0<\/p><ul><li>Top-Up benefit to a combined maximum $2,000 per week (for injuries occurring on or after 1 July 2022) after 26 weeks, once WorkCover reduces payment below 85% of pre disability income, need to provide a letter from WorkCover.<\/li><li>Up to 78 weeks benefit from date WorkCover reduces payment<\/li><li>Top-Up ceases when WorkCover stops payment<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-16e8145 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"16e8145\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b0a2915\" data-id=\"b0a2915\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-61d4058 elementor-widget elementor-widget-heading\" data-id=\"61d4058\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Contributions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7769290 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7769290\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e2b3c32\" data-id=\"e2b3c32\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c1d990a elementor-widget elementor-widget-text-editor\" data-id=\"c1d990a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The current Building Industry Worker contribution rates are: \u00a0<br \/><div class=\"wptb-container-legacy\" data-table-id=\"3022\">\n    <table class=\"wptb-preview-table wptb-element-main-table_setting-3022\" style=\"border-spacing: 3px 3px; border-collapse: collapse !important; min-width: 1032px; \" data-border-spacing-columns=\"3\" data-border-spacing-rows=\"3\" data-reconstraction=\"1\" data-wptb-table-directives=\"eyJpbm5lckJvcmRlcnMiOnsiYWN0aXZlIjoiYWxsIiwiYm9yZGVyV2lkdGgiOjAsImJvcmRlclJhZGl1c2VzIjp7ImFsbCI6MCwicm93IjowLCJjb2x1bW4iOjB9fX0=\" data-wptb-responsive-directives=\"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\" data-wptb-cells-width-auto-count=\"2\" data-wptb-horizontal-scroll-status=\"1\" data-wptb-extra-styles=\"LyogRW50ZXIgeW91ciBjdXN0b20gQ1NTIHJ1bGVzIGhlcmUgKi8=\" data-wptb-pro-pagination-top-row-header=\"false\" data-wptb-rows-per-page=\"10\" data-wptb-pro-search-top-row-header=\"false\" data-wptb-searchbar-position=\"left\" role=\"table\" data-table-columns=\"2\" data-wptb-table-alignment=\"center\" data-wptb-td-width-auto=\"120\" data-wptb-table-tds-sum-max-width=\"1032\" ><tbody data-global-font-color=\"#000000\" data-global-link-color=\"#000000\" data-global-font-size=\"15\" ><tr  class=\"wptb-row \" style=\"\"><td class=\"wptb-cell \" colspan=\"1\" rowspan=\"1\" style=\"padding: 8px; width: 500px; border-radius: 0px; \" data-y-index=\"0\" data-x-index=\"0\" data-wptb-css-td-auto-width=\"false\" data-wptb-css-td-auto-height=\"true\" data-wptb-cell-vertical-alignment=\"center\" ><div class=\"wptb-text-container wptb-ph-element wptb-element-text-597\" style=\"color: #000000; font-size: 15px; \"><div style=\"position: relative;\"><p><strong>From March 2026 \u2013 February 2027 contribution period<\/strong><\/p><\/div><\/div><\/td><td class=\"wptb-cell \" colspan=\"1\" rowspan=\"1\" style=\"padding: 8px; width: 500px; border-radius: 0px; \" data-y-index=\"0\" data-x-index=\"1\" data-wptb-css-td-auto-width=\"false\" data-wptb-css-td-auto-height=\"true\" data-wptb-cell-vertical-alignment=\"center\" ><div class=\"wptb-text-container wptb-ph-element wptb-element-text-598\" style=\"color: #000000; font-size: 15px; \"><div style=\"position: relative;\"><p><strong>$57 per person, per week (including GST)<\/strong><\/p><\/div><\/div><\/td><\/tr><tr  class=\"wptb-row \" style=\"\"><td class=\"wptb-cell \" colspan=\"1\" rowspan=\"1\" style=\"padding: 8px; width: 500px; border-radius: 0px; \" data-y-index=\"1\" data-x-index=\"0\" data-wptb-css-td-auto-width=\"false\" data-wptb-css-td-auto-height=\"true\" data-wptb-cell-vertical-alignment=\"center\" ><div class=\"wptb-text-container wptb-ph-element wptb-element-text-599\" style=\"color: #000000; font-size: 15px; \"><div style=\"position: relative;\"><p><br><\/p><\/div><\/div><\/td><td class=\"wptb-cell \" colspan=\"1\" rowspan=\"1\" style=\"padding: 8px; width: 500px; border-radius: 0px; \" data-y-index=\"1\" data-x-index=\"1\" data-wptb-css-td-auto-width=\"false\" data-wptb-css-td-auto-height=\"true\" data-wptb-cell-vertical-alignment=\"center\" ><div class=\"wptb-text-container wptb-ph-element wptb-element-text-600\" style=\"color: #000000; font-size: 15px; \"><div style=\"position: relative;\"><p><br><\/p><\/div><\/div><\/td><\/tr><\/tbody><\/table>\n<\/div>\n<br \/>Employers are required to pay the contribution per week (no pro-rata) for each employee in accordance with the Constitution. Contributions for each month can be submitted from the 1st of the new month and are due no later than the last working day of the next month.\u00a0<\/p><p>Contributions must be maintained for all workers regardless of the absence i.e.; on WorkCover, annual leave, leave without pay. The constitution requires weekly payments to be contributed whilst the employee is employed, or when a worker has lodged a claim under the Fund. This is an insurance product and if monthly contributions are not maintained workers will have no insurance cover for those periods where there have been no payments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-751d736 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"751d736\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-10471b9\" data-id=\"10471b9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4cfff4 elementor-widget elementor-widget-heading\" data-id=\"c4cfff4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">What is Not Covered\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-34cdfb3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34cdfb3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-98d7640\" data-id=\"98d7640\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3b6e8b2 elementor-widget elementor-widget-text-editor\" data-id=\"3b6e8b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><span style=\"background-color: transparent;\">War whether declared or not, invasion or civil war, rebellion or insurrection;<\/span><\/li>\n<li>Intentional self-injury or suicide or any attempt at suicide.<\/li>\n<li>Flying or other aerial activity unless a passenger in a properly licensed aircraft;<\/li>\n<li>The worker\u2019s criminal or illegal act.<\/li>\n<li>Training for or playing in professional or non professional sport or activity organised by any sporting organisation, authority, club or centre.<\/li>\n<li>A period of disablement resulting from any sickness, disease or medical condition for which the worker has required medication, or any treatment or advice from a doctor, chiropractor, physiotherapist, psychologist or psychiatrist in the six (6) months before the commencement date of their cover; or the resumption of their cover following a period of at least six (6) consecutive months for which we did not receive insurance premium contributions in respect of that worker;<\/li>\n<li>Any injury or illness for which statutory worker&#8217;s compensation scheme or any statutory transport accident scheme provides compensation and\/or damages;<\/li>\n<li>The worker&#8217;s use of alcohol or drugs unless the drugs have been prescribed by a registered medical practitioner and used as per registered medical practitioner\u2019s instructions.<\/li>\n<li>Any time during which a worker is serving a prison sentence or remanded in custody and, if already on a claim, any period of claim during which a worker is serving a prison sentence or remanded in custody.<\/li>\n<li>An aggravation of an injury, illness or medical condition which is deemed by a legally qualified medical practitioner to be a deterioration, aggravation, acceleration or exacerbation of an injury, illness or medical condition significantly contributed to by any employment, current or previous.<\/li>\n<li>Terrorism exclusion applies.<\/li>\n<li>Radioactivity or the use, existence or escape of any nuclear fuel, nuclear material, or nuclear waste or action of nuclear fission or fusion<\/li>\n<\/ul><div><br><\/div>\n<p>NOTE: No payments will be made under this policy when the insured person is outside Australia. If disabled overseas, payments will only commence and become effective when the worker returns to Australia.<\/p>\n<ul style=\"font-size: 16px; background-color: #ffffff;\">\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff62d87 elementor-widget elementor-widget-text-editor\" data-id=\"ff62d87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>Pregnancy Claims<\/h5><p>** For injuries and illnesses from 1 August 2024 the exclusion relating to pregnancy, childbirth or miscarriage, childbirth or miscarriage or any complication arising from those conditions has been removed from the CIP policy.<\/p><ul style=\"font-size: 16px; background-color: #ffffff;\"><li style=\"font-size: 16px;\">Waiting period 7 days<\/li><li style=\"font-size: 16px;\">26 week benefit period<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-75ec4df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"75ec4df\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8608680\" data-id=\"8608680\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-01b2e9e elementor-widget elementor-widget-text-editor\" data-id=\"01b2e9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<main><div class=\"content-page\"><div class=\"container\"><div class=\"row\"><div class=\"col l9 s12 page-content\"><p class=\"disclaimer\">Please note: Construction Income Protection Limited (CIPL) is the administrator of the Accident and Illness Benefits Program and Portable Sick Leave Scheme. The insurance policy is arranged by Windsor Management Insurance Brokers and distributed by CIPL. CIPL does not manage or process claims. All claims are managed and processed by Total Claims Solutions, who has been appointed as claims manager of QBE Insurance (Australia) Limited. CIPL does not give any advice in relation to the insurance policy.<\/p><\/div><\/div><\/div><\/div><\/main>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Building &amp; Civil Workers Cover up to 70 years of age\u00a0 Worldwide coverage (payments only when in Australia) Download the Standard Program Brochure Building &amp; Civil Worker Benefits Income Protection (Injury and Illness) Leisure time injury and illness Up to 85% of pre disability earnings to a maximum benefit of $1,650 per week (from March [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-475","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CIP Building &amp; 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