Weekly income protection benefits
Weekly income protection benefits - Protect: Severance and Income Protection benefits
| Protect Injury and Illness Insurance provides global income protection, 24 hours a day, 7 days a week, for members who are sick or injured and unable to work. | ||||
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| Note: *Maximum income protection benefit rates may vary at some major projects and with some participating employers; check with your union state branch. | ||||
| If you suffer an injury or illness and you become totally or partially disabled as a result, you will receive 100 per cent of your income (including all overtime and allowances) up to the applicable Protect maximum weekly income protection rate. | ||||
| Example: If your average weekly income (before personal deductions and tax) as a tradesperson is $950, you will receive $950 per week. | ||||
| If your average weekly income is $1,400, you will receive the Protect maximum income protection rate of $1,300* per week. | ||||
| If you are only partially disabled and able to return to work in a reduced capacity, you will receive the weekly rate (as calculated above) less any income you receive from your employer. Unlike some other industry insurance schemes, you are generally not required to exhaust all your available sick leave before making a Protect income protection claim. A 14-day consecutive waiting period applies to each claim, generally commencing from the first day of medically certified disablement. Unlike some other industry insurance schemes, weekly income protection benefits are also payable if you are injured training or playing amateur sport. However, a reduced maximum benefit period applies.See limitations on what is covered. | ||||
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