Employers

Protect injury & illness insurance provides
your employees with peace of mind and
helps employers to retain key staff

Employee income protection

Employee income protection - Protect: Severance and Income Protection benefits

Protect administers Australia's best personal injury and illness insurance cover for workers. For serious injuries, Protect's lump sum payments can be more than double the insurance benefits provided by similar industry schemes.

More than 3,180 electrical workers, faced with the difficulties of injury or illness, have benefited from Protect Injury and Illness Insurance and Protect Extra Cover during the past ten years. During that time, more than $38 million in insurance benefits has been paid to Protect members.

“Protect Injury and Illness Insurance provides great cover and is a much better deal than employees having to take out their own income protection insurance. Protect provides great financial security and peace of mind for your employees and helps employers to retain key staff. You know if you have an injured employee who is off work long-term and covered by Protect, you are not going to lose that employee. When they are fit, they will return to work because Protect has seen them through."

Gavin McKay, Managing Director, Gordon McKay Pty Ltd

Insurance cover summary of benefits
Protect Injury and Illness Insurance provides a range of insurance benefits to workers with an illness or accidental injury including:

1.

Income protection
Weekly income protection payments of up to $1200*, for a maximum of 104 weeks, for members unable to work due to an illness or injury outside of work.

For more information, go to income protection payments>>>

*Note: Higher maximum income protection benefit rates may apply for some enterprise agreements, check the applicable rate with our contact centre or logon to your Protect account.

2.

Income protection
Transport accident / workplace injury top-up benefits for members with an accepted statutory workplace injury or transport accident claim.

For more information, go to injury top-up benefits>>>

3.

Death benefits
Lump sum death benefits with up to $150,000 paid to your dependants if you die as the result of an at-work injury or up to $50,000 if you die as the result of an injury outside of work. And financial union members are entitled to even better lump sum death benefits via Protect Extra Cover.

For more information, go to lump sum death benefits>>>

4.

Serious trauma
Benefits for serious trauma injuries with Protect Injury and Illness Insurance are almost double the entitlements provided by similar schemes. And financial union members are entitled to even better lump sum serious trauma benefits with an additional capital lump sum benefit of 50 per cent for financial union via Protect Extra Cover.

For more information, go to serious trauma benefits>>>

5.

Broken bones
Broken bones benefits of up to $8,000 for non-work related injuries. And financial union members are entitled to even better broken bones lump sum benefits via Protect Extra Cover.

For more information, go to broken bones benefits>>>

6.

Accidental dental injury
Accidental dental injury benefits for Protect members and eligible dependents. And financial union members are entitled to even better accidental dental injury benefits via Protect Extra Cover.

For more information, go to accidental dental injury benefits>>>

7.

Additional insurance benefits
Additional insurance benefits such as rehabilitation assistance, emergency home help and funeral expenses. And financial union members are entitled to even better additional insurance benefits via Protect Extra Cover.

For more information, go to additional insurance benefits>>>



Making an insurance claim
Protect’s insurers, ATC Insurance Solutions, try to take the stress out of making a claim. ATC has a dedicated and experienced claims team who manage each member's claim from start to finish.

For Protect insurance claim forms and information for employee members on how to complete the claim form, go to make an insurance claim.

Insurance benefits, exclusions and limitations
The insurance policy insurance policy administered by Protect is held by the Electrical Trades Union and is issued by ATC Insurance Solutions.

The insurance information on this website has been published to assist workers in understanding the general benefits that apply under the cover administered by Protect and the circumstances under which those benefits are claimable.

The Protect Injury and Illness Insurance cover will be reviewed by the policy holder in December 2010. The policy benefits detailed on this website are correct at the time of publication but may be updated or altered, in consultation with the policy holder, at any time.

Workers and others should check with ATC Insurance Solutions to understand the full policy benefits, exclusions and limitations applicable at the date of the injury or illness.

This website is intended to provide a general summary of ATC’s policy wording. It does not purport to contain all information that may be relevant and is provided as a matter of general interest only. This is not the Insurance Policy wording.