AMWU Protect Injury Insurance provides you with worldwide insurance cover, 24 hours a day, every day of the year.
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If you suffer an accident when you are covered by the policy and this directly results in one of the following events with 12 consecutive months, your nominated beneficiaries will be eligible for a lump sum payment as follows:
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| | | Death from an injury outside of work
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| | | Death from an at-work injury *
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| | | Death from a journey injury **
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* For which a statutory workers' compensation benefit is payable.
** For which no statutory claim benefit is payable.
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Plus, if a death is payable to your dependants, we will also reimburse child care expenses incurred within 12 months of your death. The maximum childcare benefit payable is $30,000 for any one claim and benefits are paid directly to child care provider.
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Any lump sum death benefit payable will be reduced by any amount previously paid as a capital benefit under any other table of benefits included in this brochure (for injuries arising from the same accident).
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A dependant means your:
| - spouse/partner whose gross earnings are less than $16,000 per year in the 12-month period immediately preceding the event
- unmarried, financially dependent children (or your spouse/partner’s children) who live with you, up to 18 years of age (or up to 25 years of age if a full–time student at an accredited institution of higher learning).
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