Yeah, I was asking myself the same question. I've got MBF mostly to allow me to pay for the mortgage if i lose my medical; costs me over $3500/yr. By this rule, as I read it, if I lose my medical due to an incident at work, or on the way to work, then I'm under Workcover & will NOT receive MBF payout. I could be stuck with, say loss of sight in one eye from a workplace incident, lose my medical, be limited to Workcover at 75% of my current income, and NOT get the lumpsum I'll need from MBF to pay out the family home. Anyone read it differently? I'll be voting NO if that's whats on the table.