Non-scheme claims
Claims management is a core in-house function for LGIS. We manage over 53,000 a year and have over 20 years' experience handling local government claims.
LGIS employs full time senior claims consultants with more than 10 years' experience in the insurance and risk industry to work exclusively on your claims. The objective of the team is to provide advice, guidance and strategic management of claims to reduce potential liability exposures and claims costs by prompt identification and processing.
The following claims procedures will assist you when making a claim, ensuring that all claims are quickly and adequately managed.
Contract works claims
Upon receiving notice of any claim or event giving rise or likely to give rise to a claim under this policy, you must notify the LGIS claims team as soon as reasonably practicable via email with full particulars.
You must take all reasonable steps to mitigate the amount of the claim. You may immediately proceed with emergency repairs to or replacement of damaged property without prejudice to the liability of the insurer to indemnify you. Notice must be provided and full particulars of the repairs or replacement given to the insurer as soon as reasonably practicable and any damaged parts kept or photographic evidence obtained for inspection on behalf of the insurer.
The insurer has the option to take control, at its own expense, the defence and settlement of any claim on your behalf.
Employee income protection claims
It is the workers right to choose whether to claim any sick leave entitlements or to lodge a claim under their employer's income protection policy.
If a worker elects to claim under this policy, please follow the process outlined below:
Upon receiving verbal notice of an illness or injury from a worker that is not covered under the Workers Compensation Act; likely to result in incapacity of at least 10 working days:
- For claims before DOI (date of incident) 30 June 2022 please provide the worker/representative with LGIS income protection claim form (pdf).
- For claims after DOI (date of incident) 30 June 2022 please provide the worker/representative with Income protection claim form (pdf)
- Highlight to the worker the checklist section at the top of the claim form in relation to what they must complete as well as the section to be completed by the treating medical practitioner (medical certificates must show the conditions being treated and the reason for the continuing incapacity).
- Where the worker prefers any benefit to be paid directly to them by the insurer as opposed to benefits paid to the Council to include in the workers payroll, provide the worker with a PAYG Tax File Number Declaration (pdf) (as required by the ATO)
- When the claim form is returned, check that all sections are completed correctly. It is important to check whether the worker has other applicable insurance. The claim form makes special reference to this point and the other insurance options are listed under Section C.
- The completed form should then be returned to the LGIS claims team via email.
You will be advised promptly of the claim determination.
"Salary" means weekly pre-tax income, including commission, bonuses, overtime payments and any allowances, averaged during the period of twelve months immediately preceding the commencement of the disability or over such shorter period as they have been employed. Where the worker has elected to salary sacrifice, salary shall be deemed to mean the weekly average of the total cost of employment inclusive of items salary sacrificed.
If the claim is "declined", you will be advised in writing of the reasons.
To continue to receive a payment of income benefits, the worker must provide medical certificates supporting ongoing incapacity (medical certificates must show the conditions being treated and the reason for the continuing incapacity). Certificates and other relevant documents are to be forwarded to the LGIS claims team.
The insurer will reimburse into the nominated account as indicated on the claim form directly on a monthly basis in arrears using electronic funds transfer.
Major airport owners and operators liability claims
In the case of any accident or occurrence likely to give rise to a claim under this policy or upon receipt of notice of any claim or of any other subsequent proceedings; you must notify the LGIS claims team via email with full particulars as soon as possible. This includes every letter, claim, writ, or summons.
The LGIS claims team will notify the applicable insurers of the claim and provide you with an acknowledgement inclusive of any further advice or instruction.
Marine cargo claims
If there is any loss or damage which may result in a claim under this policy, you must notify the LGIS claims team as soon as practicable by completing the marine cargo claim form (pdf) and returning it to the LGIS claims team via email along with all available supporting documents without delay, including (if they are relevant) a copy of:- Shipping invoice, shipping specifications, weight notes and packing list (if any);
- Bill of lading, air waybill or other contract of carriage (both sides);
- Claim made against the carriers or other bailees and any reply received from them;
- Any other communication received from the carriers or other bailees;
- Receipt given to vessel's agent or other bailees;
- Landing account and weight notes at destination; and
- Quotation for repairs/replacement.
Marine hull commercial claims
If there is any loss or damage which may result in a claim under this policy, you must notify the LGIS claims team as soon as practicable.Complete marine cargo claim form (pdf) and return it to the LGIS claims team via along with all available supporting documents, including:
- Quotation for repair/replacement and photographs of damage
- Accident/incident report/statutory notice
- Witness statements
- Letter of demand