Income protection - Protect (2024)

Electrical

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Standard Injury and Sickness Cover

Fire Rescue

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Metals

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AMWU Injury Cover (broken bones policy)

Maritime

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Rail

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Lift

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Civil Construction

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AWU Injury Cover

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.

Claim forms are available at our Claim page.

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.

Electrical

Download

Standard Injury and Sickness Cover

Fire Rescue

Download

Metals

Download

AMWU Injury Cover

Maritime

Download

Rail

Download

Lift

Download

Civil Construction

Download

AWU Injury Cover

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.

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Electrical, Rail & Lift

Fire Rescue

Metals

AMWU Injury Cover

Maritime

Civil Construction

AWU Injury Cover

Contributions can be tracked via the 'contributions' tab on the Protect App (screen pictured left) or by viewing 'correspondence' on the workers portal (screen pictured right).

Answers to FAQs regarding online account and App access can be found here.

Australian Claim Forms

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

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:

• Australian Claim Forms

  • Injury and Sickness Claim Form
  • Accidental Dental Injury Claim Form
  • Broken Bone Claim Form
  • Accidental Death Claim Form
  • Funeral Benefit Claim Form

  New Zealand Claim Forms

  • NZPFU Dental Claim Form

For further claiming information vist the Claim page.

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

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: Steve, Brett, Joyce, Gary, Craig, John & Glenn 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.

Field Team contacts

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: Glenn, Gary, Steve, Brett, Joyce, Craig & 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.

Field Team contacts

Please note that you do not have to exhaust your sick leave, or any other leave entitlement before you can claim on your income protection insurance. However, a waiting period applies to each claim, generally commencing from the first day of medically certified disablement. Waiting periods are typically 14 or 30 days. Please check your policy brochure to determine the period applicable to you.

For assistance lodging a claim please contact a Protect Field Officer.

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New Zealand and Victorian firefighters with Protect income protection insurance have their premiums paid through an allowance and are therefore not tax deductible.

For further information regarding firefighter policies, please contact a Protect Field Officer.