Accident, Sickness and Unemployment Insurance covers you if you are unable to work due to an accident, sickness or unemployment. It’s designed to pay out an income to help replace your wage while you are off work. You choose how much you would like to receive (obviously there are limits to this) and how long you want the cover to last. You‘ll keep receiving the money for up to 2 years, or until you return to work, whichever happens first.