Protect Extra Cover also provides additional insurance benefits exclusive to financial union members including:
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1. Over 65 years of age: extended income protection cover
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 | Income protection benefits (illnesses*)
| Income protection benefits and income protection top-up benefits for illnesses are now payable for Protect union members 65 to 70 years of age.
You must be covered by the policy and a financial union member when your illness first manifested and when your insurance claim is processed by Protect's insurers.
The maximum benefit period is 26 weeks; unless a shorter benefit period is specified in the policy. For example, extended between-jobs cover for illnesses where the maximum benefit period is 13 weeks.
If you are receiving weekly income protection benefits (of any type) from Protect's insurers when you turn 65 years of age, those benefits will cease after 26 weeks or when the maximum benefit period for that type of injury/illness is reached; whichever occurs first.
| *Note: Income protection benefits and income protection top-up benefits for injuries are payable for all Protect members aged 65 to 70 years.
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2. Over 65 years of age: lump sum death and injury capital benefits including
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| - Death benefits are now payable for Protect union members 65 to 70 years of age.
- Serious trauma benefits (except for an injury resulting in total and permanent disablement) are now payable for Protect union members 65 to 70 years of age.
- Broken bones (except for general policy exclusions and limitations) are now payable for Protect union members 65 to 70 years of age.
- Accidental dental injury benefits are now payable for Protect union members 65 to 70 years of age.
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| For all lump sum capital benefits, you must be covered by the policy and a financial union member at the time of your injury and when your insurance claim is processed by Protect's insurers.
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3. Emergency home help
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| Up to $250 per week, for up to 26 weeks, reimbursement for reasonable and necessary professional domestic assistance expenses.
You are eligible if you are receiving Protect weekly income protection benefits, you are unable to perform you normal pre-injury or illness domestic duties and professional domestic assistance is approved by your medical practitioner.
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4. Domestic duties assistance
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| Up to $200 per week, for up to 10 weeks, reimbursement for reasonable and necessary professional domestic assistance expenses. You are eligible if your spouse or partner suffers an injury or illness and is medically certified as unable to perform his/her full-time homemaker duties.
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5. Chauffeur plan
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| Up to $1000 per month, for up to six months, reimbursement for necessary hire costs of a taxi or chauffeur driven car to attend scheduled medical or rehabilitation appointments. You may be eligible if you are receiving Protect weekly income protection benefits. Chauffeur plan assistance will only be offered at the election of the insurer.
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6. Extended between-jobs insurance cover (not applicable to MUA members)
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| Injury
| 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 finished and you were:
| - continuously and actively seeking work in your usual occupation
- registered as unemployed with your union and/or Centrelink, and
- continuously unemployed.
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| Weekly benefits will be paid for a maximum of 52 weeks; unless a shorter benefit period is specified in the policy.
For example, amateur or extreme sports injuries where the maximum benefit period is 13 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 had paid premium contributions on your behalf in the previous 12 months.
The weekly amount payable is calculated as per the table below:
| Number of days contributions paid
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| | | | 75% of your maximum weekly rate or 75% of your income, whichever is the lesser
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| | Your maximum weekly rate or 100% of your income, whichever is lesser
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| Illness
| If you cease work with your employer for reasons beyond your control, cover for weekly benefits will continue if you suffer an illness that first manifests itself and results in disablement during the first 13 weeks after your employment finishes you were:
| - continuously and actively seeking work in your usual occupation
- registered as unemployed with your union and/or Centrelink, and
- continuously unemployed.
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| 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 per the table below:
| Number of days contributions paid
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| | | | 75% of your maximum weekly rate or 75% of your income, whichever is the lesser
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| | Your maximum weekly rate or 100% of your income, whichever is lesser
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