Contact Us
Contact Us 1300 344 249
Workers in the Rail industry can opt in for Protect services:
Income protection insurance
Income protection insurance
Free counselling
Free counselling
Rail Workers

For information specific to Protect worker members in the Rail industry, including details about your insurance coverage and claiming information, visit the workers page.

Rail workers page

Rail Workers

Superior income protection insurance

Income protection cover is an important financial safety net for workers and their families. Rail workers may opt in for salary sacrificed Protect income protection insurance for global cover 24 hours a day, 7 days a week for non-work related injury or illness.

Levels of cover differ by waiting period, all have the superior benefits of our Standard Injury & Illness cover and include a generous death benefit, serious trauma, broken bones benefits, no requirement to exhaust sick leave and cover for amateur sports injuries.

Accidental dental injury cover is provided to Protect members, dependent spouses or partners and dependent children.

Free confidential counselling service

All members of Protect and their immediate family are eligible for free counselling services. Protect Counselling is an external service sometimes preferred for the independence that ensures total privacy. It's separate from the employer, the union and the insurer.

We partner with Hunterlink to provide a free professional confidential service Australia wide, 24 hours a day, 7 days a week. Protect are provided basic non-identifying statistics on the use of the service including number of calls, age range and industry.

CALL THE DEDICATED COUNSELLING PHONE NUMBER:
1300 725 881

Protect looked after me like gold, helped me with my paperwork and even when I was back at work, they still rang to see how I was going. Not many people do that.

Paul M
Paul M
Rail Industry

I wish to thank you for having the scheme and giving me peace of mind during my employment with Metro Trains.

David M
David M
Rail Industry

Protect allowed me time to concentrate on recovery. My case manager was extremely helpful. All I had to provide was a doctors certificate to get the ball rolling, then everything was processed very quickly. 

Cliff S
Cliff S
Maritime Industry

Protect were really sympathetic. They even called me just to see how I was, how my family and friends were coping and how legal proceeding were going. They were genuinely interested and really helpful. 

Jimmy G
Jimmy G
Electrical Industry

Income protection insurance takes the stress out of everything, if you don’t have to worry about money you can concentrate on getting better. Because we’ve all got bills to pay.

Jessica C
Jessica C
Maritime Industry

Protect income protection insurance is the best thing to happen to the fire industry for many years. My experience accessing it was fantastic and the follow up was also extremely welcome. I was very impressed.

Graeme G
Graeme G
Fire Rescue Industry

It's not an easy path dealing with injury or illness. With Protect, you actually get given a case manager, so they help you the whole journey, instead of you just bluffing your way along.

Bonnie C
Bonnie C
Maritime Industry

This level of income protection for firefighters simply wouldn’t be possible if you were attempting to negotiate a policy one out. Sticking together to negotiate certainly increases your bargaining power.

Shane C
Shane C
Fire Rescue Industry

I just wanted to thank you very much for all your help, you made this process stress free and easy. Thanks a lot.

Glenn R
Glenn R
Electrical Industry

I would like to thank Protect for going above and beyond the call of duty, to make the seamless transition through what is a stressful time, back rehabilitated 100% and into the workforce, on full duties.

Samuel B
Samuel B
Maritime Industry

Protect is reassurance. Although your working life has come to a halt, you can still manage to pay your bills. I've used my income protection a few times over many many years and every single time it's been fantastic.

Steve B
Steve B
Electrical Industry

I found Protect was easy to use. They were helpful, understanding and I didn’t feel rushed. This stopped me stressing and allowed me to focus on my recovery and getting back to work.

Daniel P
Daniel P
Maritime Industry

I've tried to get income protection privately and couldn't get covered, firefighters have just too high a risk a job, so to have Protect cover is absolutely invaluable. I used that instead of chewing through my leave.

Chris L
Chris L
Fire Rescue Industry

I’m 100% behind Protect. They met with my wife when I was in hospital and organised everything. We would like to thank you for all your help through a hugely stressful time.

Martin M
Martin M
Maritime Industry

Just wanted to say thank you for all your help over the last few months and allowing me to put a roof over my family’s head and food on the table. It has been a stressful time, but I am very glad to get back to work.

Brenton H
Brenton H
Maritime Industry

Our Protect cover is one of the greatest things the UFU have done for us. It's security for not only us but our families as well. It gave me the opportunity to focus on rehab and get back on the truck as quickly as possible.

Cameron G
Cameron G
Fire Rescue Industry

Income protection payments with Protect cover you for two years. When something like this (injury) turns your life upside down, the best thing you can do is make sure you’ve got good cover like Protect.

Dean C
Dean C
Maritime Industry

We couldn't do our role unless we were 100% fit, you'd be putting your crew at risk. My claim was reviewed, accepted and taken care of in a few days, it was all really seamless and comforting in the end.

Frank C
Frank C
Fire Rescue Industry