Income Protection for the Rail Industry

Accident & Illness Benefits Program


Workers in the Metro Infrastructure Division and Metro Rolling Stock have access to the new RTBU Accident and Illness Benefits Program. Cover* is only available for workers where the employer continues to pay the premium contribution on the worker’s behalf.


  • Personal Accident Leisure Time
  • Leisure Time Illness
  • TAC Top-up
  • WorkCover Top-up
  • Workplace Death & Trauma
  • Funeral
  • Discretionary Covers
    • Dental (accident only)
    • Ambulance


Summary Brochure
Accident & Illness Benefits Program
Financial Services Guide

For more information:

Insurance EnquiresClaims Enquires
Tim Little - Account Manager
Windsor Management Insurance Brokers
Telephone: (03) 9320 8555

Level 1, 151 Rathdowne Street, Carlton

Contact Total Claims Solutions
Telephone: (03) 9663 2411

Level 1, 151 Rathdowne Street, Carlton

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The insurance policy is arranged by Windsor Management Insurance Brokers Pty Ltd, AFS Licence Number 230747 ACN 083 775 795, and distributed by RTBU. RTBU does not manage or process claims. RTBU does not give any advice in relation to the Insurance Policy.
The Personal Accident & Illness Leisure Time policy is underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 038 AFS License number 239545. All claims under Personal Accident & Illness Leisure Time Cover are managed by Total Claims Solutions, who have been appointed as Claims Manager on behalf of QBE Insurance (Australia) Limited.
The funeral policy is underwritten by MLC Limited ABN 96 000 000 402 AFS License number 230694. Total Claims Solutions assess and forward funeral claims to MLC for review.
The Discretionary Cover is provided via Incolink’s Discretionary Fund and is governed by the Discretionary Guidelines. Total Claims Solutions manage all Discretionary Cover claims on behalf of Incolink.