The Local Government Income Protection Fund (LGIPF) is a mutual risk product which provides discretionary protection for Local Government Authorities for their liability to provide income protection cover to their employees. The LGIPF is not insurance.

The LGIPF provides benefits to Members in relation to their employees who have suffered a non-work related accident or illness.. This means that a claim against the LGIPF is a type of personal accident claim against the discretionary cover provided by the LGIPF. The LGIPF does not recognise Workers Compensations claims. A claim may be either a claim for Workers Compensation or Personal Accident – but not both.

LGIPF cover provides Members with:

  • Financial protection so that they can continue paying an employee's wages should an employee suffer an illness or an accident outside working hours
  • Proactive and specialised Claims Management support
  • Innovative Return to Work solutions
  • Specialised claims management support

For further information please contact Local Government Risk Services on 8235 6444.



The LGIPF is issued by the Trustee, JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226827) ("JLT"). The cover provided by the LGIPF is subject to the Trustee's discretion. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the cover and before making any decision in relation to the LGIPF, refer to the LGIPF Product Disclosure Statement available from JLT on request. Full information on the financial services JLT provides can be found in the JLT Financial Services Guide.