Changes to the Police Blue Ribbon Insurance scheme

As of 1 October 2024, significant changes have been implemented affecting the insurance coverage offered to members of the NSW Police Force under their superannuation fund. The former ‘Police Blue Ribbon Insurance’ (PBRI) scheme has been replaced with the ‘Enhanced Police Support Scheme’ (EPSS), which introduces substantial changes to entitlements in the event of a police officer’s injury or incapacity.

Working as a member of the NSW Police Force exposes police officers to increased risk of both physical and psychological harm. It is imperative that members of the NSW Police Force re-evaluate their insurance to best protect their families and themselves in the event of an injury while undertaking their duties.

What is the Police Blue Ribbon Insurance scheme? 

The Police Blue Ribbon Insurance (PBRI) scheme is a specialised insurance scheme designed to protect NSW Police Officers and their families. It provides financial protection for officers in various scenarios, including on-duty injuries, off-duty accidents and critical illnesses.   

Key features of the PBRI include:

• Total and permanent disablement (TPD) benefits: a lump sum payment if an officer is deemed to be totally and permanently disabled.
• Income protection: financial support to officers who are unable to work due to injury or illness.
• Death benefits: benefits to families in the event of an police officer’s passing.
• Disability benefits: financial assistance for both short-term and long-term disabilities.
• Rehabilitation support: support to help officers recover from injuries and return to work.
• Post-retirement health coverage: can extend to cover some health issues related to service.

What are the changes under the Enhanced Police Support Scheme? 

Key changes to the insurance scheme include:

• Elimination of TPD lump sum payments: Total and Permanent Disability (TPD) lump sum compensation payments have been removed.
• Extended income protection: Income Protection payment periods have been extended for ‘eligible officers’. This only applies for police officers undertaking their full and unrestricted duties as at the date they cease work. 
• On-duty injury support: Police officers injured on duty will receive supplementary support payments for up to 10 years.
• Longer off-duty support: Off-duty income protection has been extended from 2 to 3 years.
• Stronger focus on mental health: Enhanced and more consistent access to both medical and psychological care, with a stronger focus on the mental health of officers.
• More generous weekly compensation payments: Injured officers can receive up to 100% of their pre-injury earnings for a set period.
• New claims process: Streamlined process for injury management claims, and legal and advocacy services.
• Focus on rehabilitation: The EPSS aims to support officers in returning to work, wherever possible, through rehabilitation and other support services.

For those police officers who have suffered injuries and ceased work prior to 1 October 2024, the PBRI scheme will remain in effect.

What is TPD insurance?

Under the PBRI scheme, TPD refers to a situation where an officer is unable to perform any occupation for which they are reasonably suited by reason of education, training, or experience.

If an officer is deemed to be totally and permanently disabled, they would receive a lump sum payment.

What does it mean for police officers? 

The role of a NSW Police Officer involves inherent risks that could potentially lead to a career-ending injury or illness. Total and Permanent Disability (TPD) insurance is a vital component of the financial safety net, providing a lump sum payment if an office becomes permanently disabled and unable to work again in their usual occupation or any occupation for which they are reasonably qualified.

TPD coverage is often included in superannuation funds as a default benefit. This financial support can be crucial in managing the significant life changes that come with a permanent disability. It can help cover medical expenses, rehabilitation costs, necessary home modifications, and ongoing living expenses.

For NSW Police Officers, TPD insurance is even more critical due to the heightened physical and mental risks associated with the profession. It ensures that if an officer sustains a career-ending injury or illness, you have the financial resources to adapt to your new circumstances and maintain your quality of life.

The specific terms and conditions of TPD coverage can vary, so it is essential to understand the details of the insurance policy. This includes any waiting periods, specific definitions of disability, and any limitations that may apply.

At Whitelaw McDonald Lawyers, we specialise in helping NSW Police Officers navigate complex legal matters, including insurance claims. If you have questions about your TPD coverage, or if you’ve suffered a disabling injury, we can provide expert legal advice and representation.

Noting that TPD lump sum benefits have been removed from the default benefits offered by their superannuation fund, police officers should consider private TPD insurance immediately to maintain peace of mind and support for their loved ones in the event of restricted duties or inability to continue employment. Whitelaw McDonald Lawyers recommends members of the NSW Police Force review their current insurance coverage, consult with a financial advisor, and, if currently experiencing incapacity for work, seek urgent legal advice.

Contact us now 

Whitelaw McDonald Lawyers specialise in personal injury claims and have a longstanding affiliation with the NSW Police Association. Our team of NSW Law Society Accredited Specialists can help you navigate these new complex changes and assist with any existing TPD claim.

Call us now on 02 4941 8999 or contact us for a free no-obligation consultation to discuss your entitlements and to make sure you and your family are best protected.