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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:

Protect Injury & Sickness Cover- Coronavirus COVID-19 Update

Income protection brochures are available by industry

Electrical 

Download

Standard Injury and Sickness Cover

Fire Rescue 

Download

Firefighter Injury & Illness Cover

Metals 

Download

AMWU Injury Cover

Civil Construction

  Download

AWU Injury Cover

Copies of Protect Injury and Sickness Wording and Product Disclosure Statements (PDS) can be requested from ATC Insurance Solutions.

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. 

For more comprehensive information on your dental cover please download your industry income protection brochure, available above or from your industry page, or speak to one of our Field Officers.

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.

Electrical 

Download

Standard Injury and Sickness Cover

Fire Rescue 

Download

Firefighter Injury & Illness Cover

Metals 

Download

AMWU Injury Cover

Civil Construction

Download

AWU Injury Cover

Copies of Protect Injury and Sickness Wording and Product Disclosure Statements (PDS) can be requested from ATC Insurance Solutions.

Additional benefits

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.

From the insurer

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

View contributions via the App or your online account

Contributions can be tracked via the 'contributions' tab on the App (pictured left) or by viewing 'allocated contributions' on the workers portal (pictured right).

Register for our online services so that you can access your account via our website and the Protect App.  Please contact the Member Services Team on 1300 344 249 to arrange the initial registration. 

Once you have registered and received a password from us, you can view your account by logging in to the Protect workers portal using the yellow 'workers login' button on the top of each page of this website.

Download the Protect App and log in using the same password.

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
Email: info@atcis.com.au

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:

For further claiming information vist the Claim page.

Lodge your claim form

Once completed, 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
Email: info@atcis.com.au

Here to help

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.

Field Team contacts

The Protect Field Team

The Protect Field Team

Here to help

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.

Field Team contacts

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

Firefighter IP is reimbursed and not tax deductible

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."

For further information regarding the firefighter policy, please contact your union the UFU Vic Branch or a Protect Field Officer.

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.

Your Protect account

Protect benefits have been negotiated into your workplace agreement

Your employer has registered you with Protect because they are paying severance contributions and/or income protection insurance premiums to us on your behalf. The amounts paid will be in accordance with the terms of the industrial agreement that determines your pay and conditions, such as your enterprise bargaining agreement.

Severance or income protection contribution amounts differ for Protect members working under different agreements. You can contact your employer to access your agreement, or search via the Fair Work Commission website.

Only people registered by a Protect contributing employer can become worker members of Protect.

 

Expect a welcome pack and membership card

Once your employer registers you with Protect, you will receive a welcome pack with your membership number and information regarding the Protect services available to you. You may be eligible for a severance account, income protection or both. All members have access to free counselling.

Do I have to do anything?

  1. Activate your online account:
    After you have been provided your membership number, visit the workers login portal 
    Select ‘generate password’
    Verify your contact details and set a password so that you may then log in to manage your account using the workers portal or the Protect App.

    Please note: unless we have your correct contact details, the generate password feature will not be useful to you. If you have any difficulty please call us on 1300 344 249.
  2. Download the Protect App:
    The ‘Protect Services’ App is available for download from the App Store or Google Play. The same login details generated via our website will give you access to the App so that you may:
  • Review employer contributions
  • Check your current account balance
  • Lodge an initial severance claim
  • Display your membership card
  • Change your password
  • Update your contact details or contact us

The Protect App

Great for accessing your account via your phone, the Protect App is available for download from:

.    

The online worker portal

Features available to you via the App are also available online. Log in to the worker's portal using the yellow button available at the top right of every page of this website. 

The log in area for worker members

Account management features available to you via the Protect Services App are also available online. Log in to the worker's portal using the yellow button available at the top right of every page of this website. 

It's viewable on the App

Access your card in 3 steps

  1. Log in to the Protect Services App on your phone
  2. Select the 'membership card' icon at top right
  3. View your digital Protect membership card


Download the Protect App:

.   

Learn more about navigating your online account

Generate a password via the workers portal

Activate your online account

  1. Jump online
    Once you have been provided your membership number, new members should visit the workers portal, accessible via the yellow worker login button on every page of this website.
  2. Select ‘generate password’
    Verify your contact details and set yourself a password. Please allow up to ten minutes for your password to be registered on our system. You may then log in to manage your account using the workers portal or the Protect App.

Please note: unless we have your correct date of birth and contact details including email address and mobile number, the generate password feature via our website will not be useful to you. If you have any difficulty please call us on 1300 344 249.

What if I have already had acces and have forgotten my password?

The Protect App and the workers portal both have a ‘forgotten password’ feature that you can use to reset
your access at your convenience.

Find the option to generate your own password at the workers portal. Please note that this feature is not available from the Protect App.

If you know your membership number

You can use the 'forgotten password' feature on the App to reset your password. You can also change your password after logging in to your online account.

Please note that you will need your membership number and also the email address that we have on file for you to reset your password. If you have any problems, please message us via email or by using the 'contact us form' on our website.

If you don't know your membership number

If you don't know your membership number, or we do not have your correct contact details, you will not be able to make use of the 'forgotten password' feature on the Protect App and workers portal. Instead, please email or use the 'contact us form' to request access to your online account.

For security purposes, we will call you to confirm your identity. Your password will then be sent to you via sms and email once those details have been confirmed as up-to-date!

Option 1

Update via your online account

Once you have set yourself up with online access to your account you may follow these steps to update your contact details:

  1. Log in to the members portal using the yellow 'workers login' button available at the top of every page of this website using your membership number and password.
  2. From the dropdown menu at the top left of the screen, select 'Account Details / Balance'
  3. Select 'Edit Account Details' at the top of the screen
  4. Update your details as required
  5. Press 'Submit'

 

Option 2

Use the Protect App

If you've registered for online access, your password will also log you in to the Protect App. To update your contacts:

  1. Navigate to 'Account Details / Balance
  2. Select ' Contact Details'
  3. Touch on the details displayed on the right to edit your contact details
  4. Press 'save' at the top right of the screen

 

Download the Protect App:

     

 

Sometimes, but you'll need to check

Sometimes, but you'll need to check

Eligibility is determined by your Agreement

Agreements that include income protection for non-apprentices will usually also include it for apprentices. Entitlement to severance contributions however, depends on your workplace agreement. In the electrical contracting industry, for example, it's usually only after completing your apprenticeship that you are entitled to receive severance payments.

Please check with your union or give us a call to determine your eligibility. Contact our Member Services Team on 1300 344 249 or via info@protect.net.au

Further information for apprentices

Unfortunately no

Unfortunately no

EMPLOYERS JOIN PROTECT AND SIGN UP THEIR  EMPLOYEES AS WORKER MEMBERS

Protect is limited to accepting contributions made under an industrial agreement and cannot accept registration of, or contributions from, individuals. This maintains the Fringe Benefits Tax exempt status of severance contributions to Protect, as an Australian Tax Office recognised Approved Worker Entitlement Fund. Protect income protection insurance is only offered as community cover, keeping premiums down and coverage up.

For more information:

Speak to your union for information on negotiating Protect into your workplace agreement.

Employers interested in joining can use our online enquiry form to kick off the application process or contact our Employer Relations Manager.

Didn't find your answer? Submit a question or get in touch

Email & Phone

Email: info@protect.net.au
Phone: (03) 9373 7600
TollFree: 1300 344 249