Find information for worker members - specific to the Maritime industry - on on this page. Download policy brochures and claim information regarding your income protection and/or severance account. New members should register for online account access by generating a password via the workers portal and then download the Protect App to keep track of your account 24/7.
Forms & brochures

IP brochures
The income protection policy brochure applicable to maritime workers is linked below. It provides detail on the benefits afforded to you by your employer when you're working under an MUA agreement.
Download

About Protect severance
The Protect severance brochure provides information on your account, when you can make a claim and important tax details.
Download

Counselling details
Download a counselling brochure for the lunch room and pop the number in your phone: 1300 725 881. Members and their families can use the confidential service for any personal or work related matter.
Download
Severance Claim
Members are encouraged to lodge initial severance claims through our phone App or online worker portal for super fast results. If you are claiming due to retirement please download the claim form below. If you are lodging a subsequent claim please contact us so that we can tailor paperwork for you.
If you've not yet registered for online services please call our Member Services Team 1300 344 249.
Download
Income Protection Claim Forms
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
Download
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
Download IP claim forms here
Download
- Injury and Sickness Claim Form
- Accidental Dental Injury Claim Form
- Broken Bone Claim Form
- Accidental Death Claim Form
- Funeral Benefit Claim Form
For further claim information visit our Claim page
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:
- 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.
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
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.
Income protection brochures are available by industry
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
Contributions can be tracked via the 'contributions' tab on the Protect App (screen pictured left) or by viewing 'allocated contributions' on the workers portal (screen pictured right).
Answers to FAQs regarding online account and App access can be found here.
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.
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.
Check your policy
Download
Electrical, Rail & Lift
Standard Injury & Sickness Cover
Fire Rescue
Firefighter Injury & Illness Cover
Metals
Maritime
Maritime Injury & Illness Cover
Civil Construction
From the insurer
Copies of Protect Injury and Sickness Wording and Product Disclosure Statements (PDS) can be requested from ATC Insurance Solutions.

Right here
Our severance and redundancy brochure is updated regularly to promote the latest regarding your Protect account. This version includes 2022-2023 financial year tax information and detailed advice about claiming and accessing your account online.
If you would like hard copies sent to your workplace please contact our Member Services Team via email or phone 1300 344 249.
When you separate from your employer
If you lose your job or stop work for any reason, you or your beneficiaries can make a claim from your Protect account. These reasons may include:
- Termination
- Resignation
- Redundancy*
- Promotion to an above award position, or 'off the tools'
- Retirement
- Death
If your employment ceases, an initial claim can be made from your online Protect account via the yellow worker log in button on each page of our website, or from the Protect phone App, at any time of day.
For all other claims, please call us to discuss your circumstances so that we can assist you with any necessary paperwork.
* Only a payment for a genuine redundancy is eligible for the tax-free limit, all other termination event payments are taxed according to ATO rules.
The reason for leaving employment otherwise known as the 'termination event', dictates the tax applied.
*The tax free threshold for the 2022/2023 financial year is $11,591 for the initial year, and $5,797 for each full year of service with your employer.
Use the App
An initial severance claim can be made via:
- The Protect App or
- Your online Protect account
Claims made via these online options can be made at any time of day and are the quickest and simplest avenues for accessing your entitlements.
Exception:
- If you're retiring please download and complete this claim form.
For all subsequent claims, please call us so that we can help you with any necessary paperwork.
Need help?
Our Member Services Team can help step you through the process phone 1300 344 249 or email info@protect.net.au
The application form is online
To help counter the financial hardship caused by the COVID-19 Coronavirus, Protect has been granted approval by the Tax Office to make a hardship payment to workers from their account balance in the event that you are stood down without pay and are not relying on other forms of payment (annual leave or long service leave), and you remain employed. Where a worker is terminated and is unemployed, a termination or redundancy payment would apply.
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
You will need to complete a claim form
- Your employer confirms your redundancy
Your employer is required to confirm your redundancy details via their online Protect account however, you may proceed with your claim as soon as you have separated from your employment. - You complete a claim form
To lodge a redundancy claim, you must complete a Protect claim form. For fastest results you should do that electronically via the App or by logging in to your online account, accessible via the workers portal (yellow button) on the top right of every page of this website. - If details are missing, we follow up with your employer
If your employer hasn’t provided us with a termination date you can upload a separation certificate as confirmation of termination or Protect will contact your employer to confirm your termination. - You are paid into your nominated bank account
When your redundancy status is confirmed by the employer, you will be entitled to your funds tax free, up to your tax free threshold. Please allow 1-3 business days for the funds to appear in your nominated bank account.
It depends on your termination event
GENUINE REDUNDANCY
If you lodge a claim due to genuine redundancy, your initial claim limit is up to your tax free threshold or the balance of your account, whichever is the lesser. For the 2022/2023 financial year, the tax free threshold is $11,591 plus $5,797 for each complete year of service.
IF YOU ARE RETIRING OR LEAVING THE COUNTRY
You may claim the full balance of your account on retirement or if you are leaving Australia for more than two years.
DUE TO ANY REASON OTHER THAN REDUNDANCY, RETIREMENT or leaving australia
Where an initial claim is processed for any reason other than redundancy, for example termination or resignation, the initial claim limit is capped at $6,500 or your account balance, whichever is the lesser.
What is a subsequent claim?
After making an initial claim if you have sufficient funds, you may claim further on your account when you meet certain conditions, for example if you remain unemployed or you find employment with a non-contributing employer. If you qualify for a subsequent claim please call us to have paperwork tailored for you.
Download:

Tax free redundancy payments are now aligned with the age pension qualifying age
As of 1 July 2019, you are eligible to receive tax free redundancy claims up to your age pension age.
Claims on a Protect account due to genuine redundancy attracts a tax free component, based on the person’s length of service with their employer. Previously you could only benefit from this if you were under the age of 65. However, legislation has extended the age limit to match an individual’s age pension qualifying age, which means those working longer in life are no longer exempt from the tax benefits of being made redundant.
However , if you are pension age or older on the day of your dismissal, the ATO will consider the event a 'non-genuine redundancy' and you will not qualify for a tax free component.
No - you can make a retrospective claim
With Protect you don’t have to be unemployed to make a claim on your Protect severance account. If you’re in new employment you can make a retrospective claim from a previous employer.
Within 5 days
Payment will be made to your account within five business days of receiving your initial severance claim, provided your claim is accepted.

The Member Services Team
Our Australian based Member Services Team is available to answer all queries relating to your Protect account. Calling 1300 344 249 will also grant you access to our Field Officers who are able to visit you in person should you require that level of assistance.
Email: info@protect.net.au

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.

Yes
Protect Counselling is available to all immediate family members: 1300 725 881
Your family may also make free use of the Hunterlink online ‘Counselling Portal’ for access to self-assessment tools, information on work-related, personal and mental well-being matters.
Login with the password: Protect
Over the phone, online or in person
Counselling is provided by trained professionals and is offered over the phone, online or through face-to-face sessions (dependent on any COVID restrictions at the time). Male and female counsellors are available and this free, confidential service is available 24 hours a day, 7 days a week, accessible Australia-wide.
Face-to-face sessions can be arranged near you. Protect Counselling has access to more than 170 qualified professionals throughout Australia, including regional centres.
No referral required
You do not need a referral to access Protect counselling. There is no wait time and every call is answered by a professional counsellor.
Counselling portal
Members can access the Hunterlink online ‘Counselling Portal’ for access to self-assessment tools, information on work-related, personal and mental well-being matters.
Login with the password: Protect
Please note - the portal is part of Protect’s overall counselling service offering, however we strongly encourage you to call 1300 725 881 (free call) as your first priority.
Download
Dealing with a pandemic
Hunterlink resources related to the COVID-19 pandemic:
Download
- Help with anxiety
- Mindest shift during pandemic
- Working from home
- Managing a team working from home
- The discomfort you are feeling is grief
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

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.
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
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.
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 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 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!
The Protect App

It's a handy tool for worker members
The Protect App can be found on Google Play and at the App Store. It's a tool for workers that lets you keep on top of your account. It's especially handy for those with a severance account because the simplest way to lodge an initial claim is through the App.
- Check your current account balance
- Track employer contributions, paid or outstanding
- View your employment history
- Lodge an initial severance claim
- View your severance claims history
- Display your membership card
- Change your account password
- Check the latest Protect and industry news
- View and update personal contact details
- Contact us
You need to register before first use so message the Member Services Team and we'll get you set up with a password.
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:
Ensuring members suffering an injury or illness outside of work have the financial security to focus on recovery is integral.
We choose Protect because they deliver and provide benefits beyond income payments, especially important for our older members who fought militantly for the wages and conditions that we take for granted today.
Will Tracey
National President

Dedicated Counselling Phone Number
Protect counselling is a free confidential service for individuals seeking support, as well as employers and workers wanting advice on the best method to assist colleagues dealing with a range of concerns:


For further support contact

Protect member services team
1300 344 249
info@protect.net.au

PROTECT WA
Field Officer
John Cain
0429 109 215
jcain@protect.net.au