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
Under Protect’s umbrella, I was able to keep my head up while I did my rehab knowing
I could still provide for my family while out of work for six months. I am now back on the job and back to normal.
Other insurance companies will promise the world and deliver nothing. Protect’s claim acceptance rate is excellent and the bells and whistles are the injury benefits which other schemes don’t have.
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.
Dealing with Protect in a stressful time was no problem. Their focus was making sure my wellbeing was taken care of and I was comfortable during my recovery from my accident. Thanks Protect and thanks MUA.
I wish to thank you for having the scheme and giving me peace of mind during my employment with Metro Trains.
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.
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.
I was able to fully concentrate on my recovery without the pressure of financial concerns. I cannot speak highly enough about the assistance and ongoing support that I have received from Protect.
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.
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.
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.
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.
I just wanted to thank you very much for all your help, you made this process stress free and easy. Thanks a lot.
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.
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.
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.
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.
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.
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.
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.
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.
Because my injury happened on the road I went through TAC and thought I had to take a hit on income support, but thanks to Protect's advice and assistance I am receiving more financial support while recovering.