Workers

Claiming Long Service Leave

Claims processing time-frames are currently 3 days for automated claims, and around 8 business days for claims which require manual processing.  Other complex claim types may take up to 4 weeks.

Peak periods such as Christmas, Easter, School Holidays and End of Financial Year often have longer than average processing times due to the volume of claims received.

All claims for long service leave must be submitted online using our secure online system.

Log in to CoINVEST online services, then select the ‘Submit a Claim’ tab from the menu.

If you have yet to set up your online access, click here to sign up.


There are many factors which can affect your claim and rate of pay, depending on your current work status and working history.

Calculating a claim payment is a complex process of calculations, quality assurance and multiple checks to make sure you’re being paid out correctly in accordance with the rules and act.

See the below menus for more information:

Claims processing time-frames are currently 3 days for automated claims, and around 8 business days for claims which require manual processing.  Other complex claim types may take up to 4 weeks.

Peak periods such as Christmas, Easter, School Holidays and End of Financial Year often have longer than average processing times due to the volume of claims received. Always make sure to submit your online claim well in advance if you are thinking of taking your long service leave at any of these times.

All claims for long service leave must be submitted online using our secure online system.

Log in to CoINVEST online services, then select the ‘Submit a Claim’ tab from the menu.

If you have yet to set up your online access, click here to sign up.

Submitting your application:

All Long Service Leave claims must be submitted through the state in which your most recent service was recorded. If your last service was accrued in Victoria, then CoINVEST will be happy to process your claim.

All claims for long service leave must be submitted online at this time using our secure online system.

Click LOGIN TO COINVEST at the top of the page to get started, or click Need A New Password to set up your online access for the first time.


What you will need:

Before you begin, ensure you have scanned copies / readable photos of your most recent three payslips ready to upload (payslips are used to calculate the rate of pay for your claim payment). You will also need your tax file number and the details of the bank account which you would like your claim payment to be deposited into:

  1. Complete the details requested in the online claim form.
  2. Upload your payslips at the end of your application if requested.
  3. Wait for your confirmation email.

If you need to send payslips to us separately, please email them to claims@coinvest.com.au


To register your email address with us for the first time, request an email or postal form, or if you’re unable to submit an online claim, please call 1300 COINVEST, and our team will be happy to help.

To determine your rate of pay we require copies of your most recent three payslips. To see how your rate of pay will be calculated using these payslips, please see the applicable Rate of Pay menus below.


Standard Claims

Currently employed workers can claim any available entitlements between one week as a minimum, your total balance as a maximum, or anything in between; it’s up to you. Just make sure that any time to be taken off work has been agreed upon between yourself and your employer in advance.

If you want to claim all of your available Long Service Leave, just tick the ALL box, otherwise please nominate how many weeks and days you would like to claim.


Unemployed Claims

Unemployed workers can still claim any available entitlements between one week as a minimum, your total balance as a maximum, or anything in between; it’s up to you.

If you want to claim all of your available Long Service Leave, just tick the ALL box, otherwise please nominate how many weeks and days you would like to claim.

If you wish to cancel your claim because you have found work before your claim payment has been made, you can simply contact us and request that your claim be cancelled. All requests for the above issues can be emailed to claims@coinvest.test, or can contact us by phone making sure in either case that you quote your CoINVEST registration number and full personal details for identification purposes.


Left Industry Claims

If you submit your claim as leaving or having left the industry or retired, your entire available entitlement will be paid out to you as this will be classed as an eligible termination payment. This includes all service up until your termination date so we will need to verify any service which has not been recorded up until this date.


A note about “cashing out” Long Service Leave

CoINVEST recommends that Long Service Leave entitlements be used for relief or holiday.

However, if you wish to claim Long Service Leave payments but not take any time off work, there is nothing within our rules to prevent you from claiming Long Service Leave whilst still working. Just make sure that your employer is aware that you are claiming Long Service Leave payments but not taking any time off work as unpaid leave.

You must also consider any tax implications – as Long Service Leave payments are classed as a taxable income, there may be a knock on effect if you do not take any time as unpaid leave from your employer (thus increasing your total taxable income for the year).

Approved long service leave payments will be directly credited to workers’ bank accounts. You need to provide your BSB number and account details on the application form, as well as your Tax File Number. If you have registered a valid email address against your CoINVEST account, we will email you when your claim has been approved with a prospective payment date.

If you are currently employed, CoINVEST will also notify your employer. Please note that you need the agreement of your current employer before taking any leave from work.

Your claim payment will be deposited to you in one transaction, subject to tax (calculated at a weekly equivalent, rather than on the whole amount).

You will also be posted a pay advice document around one to two weeks after receiving the funds to advise of the gross payment details and amounts of tax withheld etc.


Tax Free Threshold

When completing a long service leave claim application form, you must answer the Tax Free Threshold Section of the claim form by selecting either Yes or No.

If you have any enquiries in relation to whether you are eligible to claim the tax free threshold, please contact the Australian Taxation Office on 132861, your payroll officer, or a tax agent.

If you do not select either Yes or No, CoINVEST will process the claim on the basis that you selected No.

CoINVEST cannot provide advice on whether an individual is eligible to claim a tax free threshold.

If you would like to find out more information regarding your eligibility to claim the Tax Free Threshold, please visit the Australian Tax Office’s website at www.ato.gov.au


Extending your leave

Long Service Leave payments are deposited to you in one transaction.

If your claim is still in process and has not yet been paid to you by CoINVEST, you can advise us of your request to extend your Long Service Leave claim via email at claims@coinvest.com.au

If your claim has already been paid out to you, then you cannot extend that claim, as it is a completed transaction. You will need to submit a new claim to claim any further Long Service Leave.

It’s important to remember that there is no money or dollar value associated with your service record as a worker in Victoria* – only an accumulation of the time you have built up with CoINVEST from performing covered work.

Watch this video to see how it all works, and how the service you accrue affects your LSL entitlement.

Your claim payment amount will be determined largely by the wages being paid to you by your employer at the time when your most recent service was accrued – this is why we require your three most recent payslips when you submit your claim application, unless our online system offers you the option of:

Calculated Rate of Pay:

If you have been on a consistent wage with the same employer for the last 12 months, you may be offered a ‘Calculated Rate of Pay’ for your claim – this rate mirrors your wages, as advised by your employer throughout the year. By accepting the Calculated Rate, your claim will be processed far quicker than normal, with no requirement for you to provide payslips (as the calculations have all already been done).

Employer Wage Verification:

Alternatively, you may be offered the ‘Employer Wage Verification’ option to have your employer do the hard work for you when it comes to your claim application. With this option, there will be no need for you to supply payslips with your claim – your employer will be asked to supply this information for you instead!


When your Long Service Leave claim is submitted CoINVEST reviews your current payslips to understand the following:

    Has your weekly wage increased over the last 3 years beyond standard Construction Industry EBA increases?
    How does your weekly wage for your trade compare to the wage rates prescribed in current Construction Industry EBA’s?

Subject to the results of this review, CoINVEST may determine that your claim will be paid at a lesser amount. In these instances CoINVEST will contact you and explain the decision prior to your claim being paid.

Explore the menus below to see how various working circumstances can affect your claim payment amount.

*specific dollar values are applicable only where relating to any voluntary contributions you may have made as a Working Subcontractor.

Full Time Employed

If your current or most recent job is / was performing work covered by CoINVEST, we will require copies of your three most recent payslips to determine your rate of pay. The payslips you provide must be from the weeks immediately preceding the date on which your application is received by CoINVEST.

Please note if your application is submitted in advance of taking your leave, the rate of pay for your claim will be calculated according to your payslips supplied to CoINVEST at the time of your long service leave application.

When completing your claim online, you may be presented with a rate of pay to accept for your claim. This is determined using the rate of pay details provided to CoINVEST by your most recent employer . You can choose to accept this rate of pay – if not, we will contact your employer or ask for payslips. This process will take longer.

Rate of pay will be calculated as standard hours per week (usually a 36 or 38 week after RDO deductions), multiplied by your standard hourly rate, plus any applicable allowances. Overtime is not included as part of your rate of pay.

Depending on when your last service was accrued, CoINVEST may index your rate of pay in line with any applicable industry wage rises to match modern rates.


Part Time Employed

Permanent employees who are on part time hours can claim their Long Service Leave; the rate of pay per week of long service leave will be paid out as if that worker is working a full time week. Whether that week is classed as a 36, 38, or 40 hour week will be determined by your payslips.

If your current or most recent employment in the Construction Industry has been on a Casual basis, the gross weekly wage for your claim will be calculated based on the average weekly wage reported to CoINVEST over the last 260 days (52 weeks) of service by your most recent employer(s).

This calculation method is applied to determine the rate of pay for all claims made by Casual Workers. Depending on when your last service was accrued, CoINVEST may index your rate of pay using current Wage Price Index information.

Where your most recent service has not or is not yet due to be reported by your current or most recent employer, this service information will not be included when calculating an average weekly wage for your claim.

You may be offered a calculated rate of pay when you submit your claim online. If you accept the rate of pay, your claim paid at this rate and will usually be paid within 3 business days.

If you do not accept the weekly wage offered, you will be contacted by a Claims Consultant. Should it be determined that you are a Casual Worker, the rate of pay calculated for your claim will be identical to the weekly wage as offered online.

Your rate of pay is inclusive of any applicable allowances*. The most common inclusions are site / tool / leading hand / height etc.

The main allowances which will not be included as part of your claim payment are meals / travel / CRIB etc. No overtime nor allowances pertaining to overtime hours will be included as part of your claim payment.

*WHERE THE WORKER’S PAYSLIP FROM THE WEEK IMMEDIATELY PRECEDING THEIR LEAVE INDICATES A FULL WEEK OF REMUNERATION, AND INCLUDES ANY DAYS PERFORMING COVERED WORK IN THAT WEEK, ONLY THE ALLOWANCES PERTAINING TO THAT PARTICULAR WEEK WILL BE INCLUDED AS PART OF THE CALCULATION FOR THE WEEKLY RATE OF PAY FOR THE LONG SERVICE LEAVE CLAIM.

Claims for Working Directors can often be more complicated than that of a regular employee as a Working Director has control over what they pay themselves.


When a claim is submitted, CoINVEST compares the claimed rate of pay with the contribution history from the employer and the annual rate of increase compared to the industry. (The current rate of increase in most EBA’s is 5% per annum)

CoINVEST also compares the claimed rate for the trade being performed with industry EBA’s and Union wage information. Coverage under the scheme is up to the maximum Foreman level.

Significant increases beyond EBA annual increase are common with Working Directors for reasons such as paying themselves lower wages when setting the new business up or developing the new business.

In these instances, CoINVEST acknowledges this is a practical reality for Working Directors by recognising beyond ‘industry standard’ increases for claims payments only after the Working Director has been on that rate/made contributions to CoINVEST for a minimum of 3 years.

In these instances, proof to substantiate the claimed wage for all Working Director claims includes copies of recent payslips and the last three years’ annual payment summaries (group certificates). Bank statements and superannuation statements may also be requested as further proof.


If your wage is not consistent and you cannot provide proof of your PAYG wage, CoINVEST reserves the right to pay your claim based on the “Minimum Contribution Rate” for your trade.

Any subsequent excess from previous contributions (relative to the applicable minimum contribution rate) will be refunded to the company via a retrospective adjustment (separate from your claim payment).

For more information on Minimum Contribution Rates, visit the Working Directors page.

Subcontractors often have more than one component to their entitlement by accruing service in two different ways; as well as having been self-employed, many have also accrued service as a worker.

Any Working Subcontractor component consists of a refund of the voluntary contributions you have made, together with the interest earned on what has been accrued.

For any entitlement accrued from a Worker Service component, you are paid according to your last recorded gross weekly wage as a Worker, adjusted to reflect any industry-wide pay rises that have occurred between the last recorded wage and you taking leave. If you still have payslips from your most recent construction role as an employee, you must provide these with your claim application. This part of the claim payment is classed as a taxable income, therefore tax will be withheld and you will be issued a payment summary detailing the amount of tax withheld in your claim.

For further information about how Worker Service entitlements are calculated click here.

Interstate

If nominated in your claim application, CoINVEST can include any applicable interstate entitlement as part of your claim payment. However, the rate of pay for any interstate component cannot be determined by CoINVEST – instead it will be determined by the LSL scheme for the state/territory in which that service was performed.

If you need to query the rate of pay for any interstate component of your claim, please visit our Interstate Schemes page for the contact details of the relevant interstate LSL schemes.


Shift

A dedicated policy applies to workers who are defined as being paid on a ‘shift rate’ from performing afternoon or night shifts on a permanent and continuous shift roster – working shifts that are continuously rostered for the same hours and times.

Continuous shift work also means that the roster is not interrupted, other than when an employee is on paid leave – redeployment from an afternoon or night shift to day shift is deemed as interrupting continuous shift work.

The following timeframes determine the rate of pay for long service leave claims for workers who are engaged in performing continuous afternoon or night shifts rosters:

Less than 3 Months – Payment will be at your ordinary rate of pay prior to you starting on the afternoon / nightshift.

3 to 6 Months – Payment will be the average rate of pay that you have received over the last 12 months.

More than 6 Months – Payment will be at the afternoon / night shift rate that you currently receive.


Offshore

An offshore worker normally works in 14 or 28 day cycles. There are various different types of cycles which can be worked within these periods e.g.:

Fortnightly: 8 days on 6 days off, or 7 days on 7 days off.

Monthly: 14 days on 14 days off, etc.

Long Service Leave payments will be calculated at the weekly equivalent concurrent with the cycle performed:

e.g. a two week cycle earnings will be divided by two to equal a weekly rate of pay for your claim.

e.g. a four week cycle earnings will be divided by four to equal a weekly rate of pay for you claim.

The cycle payments are paid at ordinary rates inclusive of all applicable penalty rates and any applicable allowances.

In some cases the liability for your Long Service Leave may lie partly with CoINVEST and partly with your employer. There are two main categories for shared liabilities:

Partially covered trades – where a worker performs a trade that is not covered for 100% of their working time, so they have less than seven years’ service with CoINVEST, but have been with the same employer for over seven continuous years.

Promoted out of the scheme – where a worker has had a certain amount of service recorded with CoINVEST that is less than seven years, but they have been with the same employer for seven continuous years.

In both of these cases you can claim Long Service Leave, but you must claim it directly through your employer – CoINVEST can then reimburse the employer for the equivalent service entitlement paid out to you in your claim by your employer.


Employer Reimbursement Process

Where an employer may have paid the full liability to a worker when claiming long service leave directly from their employer (typically when the worker has been with the same employer for more than 7 years), then there may be a liability which is to be reimbursed to the employer by CoINVEST, dependent on the service accrued by the worker in question.

Employers can download our Employer Reimbursement Process Form for instances where a liability covered by CoINVEST has been paid to the worker by the employer. The information in your completed form enables CoINVEST to work out how much of the long service leave liability is to be reimbursed back to the employer.

All completed reimbursement request forms must be emailed to claims@coinvest.com.au – make sure to include the full details of the business and applicant so we can properly identify and categorise the request in line with our privacy guidelines.