Members

For many serious injuries, Protect insurance provides lump sum payments that are more than double the benefits provided by similar schemes

AMWU Protect serious trauma (capital) benefits

AMWU Protect serious trauma (capital) benefits

AMWU Protect Injury Insurance provides lump sum payments for a broad range of serious trauma injuries which result from accidents outside of work.

If you suffer an accident when you are covered by the policy and this directly results in one of the following events within 12 consecutive months, your nominated beneficiaries will be eligible for a lump sum payment as follows:

AMWU Cover
Accident type

Worker with dependants

Single worker
Permanent paraplegia or quadriplegia; permanent and incurable paralysis of all limbs
$35,000
$17,500
Permanent total loss of sight of one or both eyes
$35,000
$17,500
Permanent total loss of the lens of one eye
$22,500
$11,250
Permanent and incurable insanity
$35,000
$17,500
Permanent total loss of hearing in both ears
$30,000
$15,000
Permanent total loss of hearing in one ear
$7,500
$3,750
Third- degree burns and/or resultant disfigurement of more than 40% of the entire body
$20,000
$10,000
Third- degree burns and/or resultant disfigurement of between 20% and 39% of the entire body
$9,000
$4,500
Permanent total loss of use of:


- four fingers and thumb of either hand
$30,000
$15,000
- four fingers of either hand
$15,000
$7,500
- one thumb, both joints
$10,000
$5,000
- one thumb, one joint
$5,000
$2,500
- a finger, three joints
$4,000
$2,000
- a finger, two joints
$3,000
$1,500
- a finger, one joint
$2,000
$1,000
- all the toes of one foot
5,000
$2,500
- great toe, both joints
$2,000
$1,000
- great toe, one joint
$1,000
$500
- other toe (each toe)
$400
$200
Fractured leg or patella with established non-union
$4,000
$2,000
Shortening of the leg by five (or more) centimetres
$2,750
$1,375
Note: *For which a workers' compensation has been paid for 24 consecutive months.


No serious trauma injury benefit is payable if a death benefit is payable. Also, a benefit is not payable for an accident while travelling directly to and from work (see AMWU Protect Journey cover (capital) benefits).

If more than one serious trauma benefit is applicable arising out of the same accident, the insurer will only pay a single lump sum benefit for one accident type. The highest applicable benefit will be paid.