Members

Protect administers Australia's leading personal injury and illness insurance cover with more than $38 million in benefits paid during the past 10 years

Additional insurance benefits

Additional insurance benefits - Protect: Severance and Income Protection benefits

Return to work and rehabilitation assistance
If you are receiving weekly income protection benefits for an injury or illness, you may also be eligible for assistance of up to $20,000 to pay for vocational retraining, professional rehabilitation (including special equipment and/or modifications to your residence), family counselling and other assistance, as may be appropriate, to support your return to work and to help you regain your independence. Such assistance must be recommended by your medical practitioner and will be offered only at the election of the insurer.

Extended unpaid-leave cover
If you take unpaid- leave cover from your employer, for any reason, cover for insurance benefits will continue if you suffer an injury while on unpaid-leave that results in disablement or an illness that first manifests itself while on unpaid-leave which results in disablement. Unpaid- leave must be for a period no greater than 28 days and must be voluntary and authorised.

Extended between-jobs insurance cover
Injury
(Please note: This benefit is not provided to Protect members covered under a Maritime Union of Australia enterprise agreement).

If you cease work with your employer for reasons beyond your control, cover for weekly benefits will continue if you suffer an injury and become disabled during the first 39 weeks after your employment finishes and you were:

  • continuously and actively seeking work in your usual occupation
  • registered as unemployed with your union and/or Centrelink, and
  • continuously unemployed.

Weekly benefits will be paid for a maximum of 52 weeks. A lump sum death or injury benefit is not payable for an injury suffered after your employment ceased.

The actual weekly amount you will receive will depend on the number of working days for which your employer has paid premium contributions on your behalf in the previous 12 months.

The weekly amount payable is calculated as follows:

Number of days contributions paid

Weekly injury benefit

0 to 64
Nil
65 to 129
75% of your maximum weekly rate or 75% of your income, whichever is the lesser
130 or more
Your maximum weekly rate or 100% of your income, whichever is lesser

This benefit is only available to specified Protect union members. Eligible members must be financial union members at the time of their injury and when they make a claim.

Illness
(Please note: This benefit is not provided to Protect members covered under a Maritime Union of Australia enterprise agreement).

If you cease work with your employer for reasons beyond your control, cover for weekly benefits will continue for an illness that first manifests itself and results in disablement during the first 13 weeks after your employments finishes and you were:

  • continuously and actively seeking work in your usual occupation
  • registered as unemployed with your union and/or Centrelink, and
  • continuously unemployed.

Weekly benefits will be paid for a maximum of 13 weeks. The actual weekly amount you will receive will depend on the number of working days for which your employer has paid premium contributions on your behalf in the previous 12 months.

The weekly amount payable is calculated as follows:

Number of days contributions paid

Weekly injury benefit

0 to 64
Nil
65 to 129
75% of your maximum weekly rate or 75% of your income, whichever is the lesser
130 or more
Your maximum weekly rate or 100% of your income, whichever is lesser

This benefit is only available to specified Protect union members. Eligible members must be financial union members at the time of their illness and when they make a claim.

Funeral expenses
In the event that you die as a result of an injury, the policy will pay up to $5,000 for your burial or cremation.

Emergency home help
If you are receiving weekly benefits for an injury or illness and you are unable to perform your normal pre-injury/illness domestic duties, you are eligible to claim up to $250 per week (for a maximum of 26 weeks) as reimbursement for reasonable and necessary expenses that you paid for professional domestic assistance approved by your medical practitioner.

This benefit is only available to Protect union members. Eligible members must be financial union members at the time of their injury and when they make a claim.

For a summary of benefit entitlements for financial union members, go toProtect Extra Cover>>>

Domestic duties assistance
If your spouse or partner suffers an injury or illness and is medically certified as unable to perform his or her full-time homemaker duties, you are eligible to claim up to $200 per week (for a maximum of 10 weeks) as reimbursement for reasonable and necessary expenses that you pay for domestic professional assistance while your spouse or partner recovers.

This benefit is only available to Protect union members. Eligible members must be financial union members at the time of their injury/illness and when they make a claim.

For a summary of benefit entitlements for financial union members, go toProtect Extra Cover>>>

Chauffeur plan
If you are receiving weekly benefits for an injury or illness, you are eligible to claim reimbursement for hire costs of a taxi or chauffeur driven car necessarily incurred to attend scheduled medical or rehabilitation appointments relating to your injury or illness. or to attend your place of work to perform work in a reduced capacity. Up to $1,000 per month reimbursement is claimable for a maximum of six months. Such assistance will only be offered at the election of the insurer.

This benefit is only available to Protect financial union members. Eligible members must be financial union members at the time of their injury/illness and when they make a claim.

For a summary of benefit entitlements for financial union members, go toProtect Extra Cover>>>