Frequently asked questions
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 access to your 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?
- 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.
- 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
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.
The following union branches support Protect, get in touch to find out if you are eligibile for Protect coverage:
- MUA National office
- MUA NSW Branch
- MUA Qld Branch
- MUA SA Branch
- MUA Tas Branch
- MUA Vic Branch
- MUA WA Branch
... and we're here to help
The Protect Field Team travel the country meeting with members, detailing the benefits available to them and assisting with claims.
To secure their worker's benefits
Employers contribute to a Protect severance account on behalf of their workers to provide a safety net for them in case they become unemployed. Workers with a Protect account may make a claim due to:
- End of contract
- Promotion to an above award position
- Total and permanent disability
A policy that pays a benefit to you
If you have an illness or injury that arises from your work you would usually be compensated by WorkCover. Protect income protection insurance pays out benefits to members who are unable to work due to a non-work related injury or illness. The cover is global, 24 hours a day, 7 days a week.
Sometimes, but you'll need to check
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.
Generally yes, but you'll need to check
If a Protect employer contributes severance and / or income protection for their full time employees, they generally must also contribute the same for their casual employees. However, you should also consult the wording of your certified agreement.
Speak to your union if you require information about your agreement.
The Protect App
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
- Log in to the Protect Services App on your phone
- Select the 'membership card' icon at top right
- View your digital Protect membership card
Download the Protect App:
Your statement is available online
Protect statements previously sent to you by mail, are instead available when you log into your account online. You may now view and download your statement from your Protect account through the workers portal.
Information about accessing Protect statements and logging in to your account is detailed in this news article.
Generate a password via the workers portal
Activate your online account
- 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.
- 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 or via the workers portal to reset your password.
- Select the 'forgotten password' link.
- Enter your membership number and also the email address that we have on file for you.
- For security purposes you will be sent a verification code via sms and email. Enter the code when directed and you may then reset your password.
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 either the Protect App or 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!
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:
- 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.
- From the dropdown menu at the top left of the screen, select 'Account Details / Balance'
- Select 'Edit Account Details' at the top of the screen
- Update your details as required
- Press 'Submit'
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:
- Navigate to 'Account Details / Balance
- Select ' Contact Details'
- Touch on the details displayed on the right to edit your contact details
- Press 'save' at the top right of the screen
Download the Protect App:
Phone 1300 725 881
Call Protect Counselling on 1300 725 881 (free call) for immediate access to our independent counselling service.
The service operates Australia-wide, 24 hours a day, 7 days a week and is available to Protect employers, workers and their immediate family, irrespective of your industry via a free phone service. Free face-to-face sessions at an independent location, as well as on-site counselling services in response to emergency situations are also available.