Find information for worker members - specific to the Maritime industry - on on this page. Download policy brochures amd claim information regarding your income protection and severance account. New members should register for online account access by contacting us and then download the Protect App to keep track of your account 24/7.
Forms & brochures
IP brochure
These are the the income protection policy brochures applicable to maritime workers. They 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
When you separate from your employer
If you lose your job or stop work for any reason, you 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 2020/2021 financial year is $10,989 for the initial year, and $5,496 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
Information relating to Protect severance and coronavirus COVID-19 can be found at this news link:
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 accessible via the 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.
Redundancy and termination initial claim limit is $6,500
Due to the impact of the coronavirus some changes have been introduced to smooth cash flow while maintaining workers’ full entitlements. We expect these to be temporary measures to assist in dealing with an expected large increase in claims.
Initial claims due to termination or redundancy will be paid to a limit of $6,500. The remainder of a genuine redundancy claim tax free component will be paid out in instalments, 5 weeks apart.
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, new 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.
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
Download IP claim forms here
DownloadProtect 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:
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.
Please speak to your accountant or financial advisor as we are not permitted to provide members with financial advice.
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.
The Protect update is online
Information relating to Protect severance and coronavirus COVID-19 can be found at this news link:
Income protection brochures are available by industry
Copies of Protect Injury and Sickness Wording and Product Disclosure Statements 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 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.
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 can be requested from ATC Insurance Solutions.
Check your policy
Download
Electrical
Fire Rescue
Metals
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 will be available once again after the COVID-19 restrictions are lifted.
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 or online
Counselling is provided by trained professionals and is usually offered both over the phone and through face-to-face sessions however due to COVID-19 face to face sessions have temporarily ceased. Male and female counsellors are available by phone or online and this free, confidential service is available 24 hours a day, 7 days a week and is accessible Australia-wide.
When restrictions are lifted, 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.
Dealing with a pandemic
Download
Hunterlink resources related to the COVID-19 pandemic:
- 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 membership card
Within three weeks of being registered, worker members will receive a membership card in the mail plus information on the new benefits your employer has afforded 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?
All you have to do is give us a call to set up online access to your account. Our Australian based Member Services Team is available during AEST office hours Monday to Friday on 1300 344 249.
Once registered you can access your Protect account at any time by using the yellow 'workers login' button at the top of this page to access the worker portal. The same log in details will give you access to the Protect App.
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. Call or email our Member Services Team on 1300 344 249 or via info@protect.net.au
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.
The MUA is proud to continue to secure the best income protection cover for maritime industry workers.
This cover is an important financial safety net for workers and their families facing the difficulties of a non-work related injury or illness.
Christy Cain
MUA 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@rotect.net.au