About CIP

Construction Income Protection - CIP commenced on 1st March 2001 to provide income protection and portability of sick leave benefits for workers in the building and construction industry within Queensland and Northern Territory. On 6th September 2004 Construction Income Protection Ltd was established to oversee the fund. This company replaced Construction Income Protection (Qld) Pty Ltd.

The Fund has the support of the building unions and the builder's party to its development. The benefits payable by the Fund provide building workers an income whilst off work due to long-term illness or injury for up to 104 weeks. It also allows workers to utilise untaken sick leave that previously was forfeited when the employee left employment. 

The board has an equal number of employer and worker representative directors nominated by each of the Queensland Master Builders Association and building unions representing the workers.

Management, professional and administrative workers are also entitled to the benefits of the Fund.


CIP Ltd has rules that state how the Fund must operate and what benefits can be paid to workers. These rules are set out in a legal document called a constitution. If you wish to obtain a copy of any of the rules of CIP contact the fund on 1300 261 114 or via email enquiries@cipq.com.au. 

All insurance related questions should be directed to Total Claims Solutions 1300 362 638.