Income protection insurance
Frequently asked questions
The Protect update is online
Frequently asked questions relating to Protect injury and illness cover and coronavirus COVID-19 are collated at this news link:
Income protection brochures are available by industry
Accidental dental injury that occurs outside of work
Members with Protect's income protection insurance cover, and their dependent family members, are covered for accidental dental injuries that occur outside of work however, cover is not provided for normal maintenance of dental health. Up to four claims per family are permitted each year.
What happens if I suffer a dental injury at work?
Workers compensation provides protection for work-related injuries.
Your policy brochure provides that information
Your Protect income protection insurance policy may provide lump sum death benefits, serious trauma and accidental dental injury payments. It may also provide a payment for a fractured or broken bone e.g. spine, neck, hip, leg, jaw, rib, arm or nose.
Please review your relevant industry policy brochure below for details on the benefit payable for broken bones and visit our claim page for a Broken Bones Claim Form, should you require one. If you would like assistance completing a claim form please contact a Protect Field Officer.
Protect Extra Cover provides additional insurance benefits exclusive to financial members of the union policy holder.
These benefits may include:
- extended cover
- family ambulance cover
- increased funeral expenses
- emergency home help
- domestic assistance
- chauffeur plan
Union members should check their policy brochure to see if any of these benefits apply.
Copies of Protect Injury and Sickness Wording and Product Disclosure Statements (PDS) can be requested from ATC Insurance Solutions.
View contributions via the App or your online account
Download IP claim forms here
Protect administers insurance products for ATC Insurance Solutions. Once your claim form is complete keep a copy and deliver the original to:
ATC Insurance Solutions
Level 4, 451 Little Bourke Street
Melbourne VIC 3000
Phone: 03 9258 1770
Freecall: 1800 994 694
Download a claim form
Protect administers insurance products for ATC Insurance Solutions. You can go directly to the ATC site for comprehensive information about claiming, or simply access the relevant claim form here:
- Injury and Sickness Claim Form
- Accidental Dental Injury Claim Form
- Broken Bone Claim Form
- Accidental Death Claim Form
- Funeral Benefit Claim Form
For further claiming information vist the Claim page.
Here to help
Sections of your claim form will need to be completed by you and others by your employer or medical practitioner. If you strike a hurdle, don't be shy in giving us a call. The Protect Field Team are independent of the insurer and work with members to ensure claims progress as smoothly as possible. Officers can visit you at home, at work, or at the hospital if need be, to assist you with your claim.
(Pictured L-R) Field Officers, Brett, Joyce, Glenn, Gary (not pictured, Craig and John) can be contacted via our Member Services Team on 1300 344 249. You can also leave a message for any one of them through their direct contacts linked below.
The Protect Field Team
The Protect Field Team are independent of the insurer and work with members to ensure claims progress as smoothly as possible. (Pictured L-R) Field Officers, Brett, Joyce, Glenn, Gary (not pictured, Craig and John) can be contacted via our Member Services Team on 1300 344 249. You can also leave a message for any one of them through their direct contacts linked below.
It depends on your cover
Please note that you do not have to exhaust your sick leave, or any other leave entitlement before you can claim on your income protection insurance. However, a waiting period applies to each claim, generally commencing from the first day of medically certified disablement. Waiting periods are typically 14 or 30 days. Please check your policy brochure to determine the period applicable to you.
For assistance lodging a claim please contact a Protect Field Officer.
Check your policy
Firefighter IP is reimbursed and not tax deductible
The Fair Work Order to provide Victorian firefighters with income protection insurance dictates that income protection premiums are deducted from fire rescue workers post tax earnings and simultaneously reimbursed via payroll for the same amount.
To take up Protect income protection, firefighters complete an authority form that advises the details of their insurance coverage. Wording from the authority form includes the following declaration:
"I understand that the amount reimbursed by my employer is not deductible in my personal income tax return and nor will that amount be reported as income on my annual payment summary."
Members that contribute to insurance premiums should speak to an accountant or financial advisor regarding claiming payments, as we are not permitted to provide financial advice.
Firefighters should note, that as their income protection is reimbursed it is not tax deductible.