John was handling a horse when he was kicked breaking his leg. He is advised he will be unable to train for 7 weeks. He contacts Gow-Gates and a claim form is obtained and a Personal Accident claim is lodged.
John earnt $65,000 in the prior 12 months. Average Weekly earnings $1,250.
As John derives an income from training he is able to claim the maximum $750 per week for his period of incapacity. The insurance also pays $2,500 as a broken bone benefit and reimburses him for medical expenses he has incurred that are not claimable under Medicare, up to the maximum benefit limit of $3,000.
Whilst riding track work at her property Kim is dislodged and breaks her hip. As she is an owner hobby trainer who does not have a regular income Kim is entitled to claim a routine benefit which pays up to $600 per week for 20 weeks for her to hire replacement staff to carry out reasonable and necessary duties associated with the care of horses.
The insurance pays $3,750 as a broken bone benefit and reimburses Kim for physiotherapy costs incurred which are not claimable by Medicare:
This website and summary documents are to be used as a guide only and provide a summary of the main points of cover. Please read the Policy Document(s) or contact Gow-Gates Insurance Brokers for the complete policy terms and conditions.
They do yes, on receipt of a claim all your earnings are taken into consideration in working out your pre injury earnings. If you cannot undertake this part time work whilst not being able to train, then these earnings would be added to work out your pre injury earnings.
A claim can be made after 13 weeks after which the Workers Compensation payments will reduce significantly.
No, cover under this policy applies whilst you are engaged in your duties of your occupation as a horse trainer including direct travel between normal residence and normal place of work
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