Protect is Australia's leading industry severance scheme with more than 24,000 members nationwide. ATC Insurance Solutions underwrites Protect's group accident and sickness cover.
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Read how ATC's dedicated and experienced claims management service has helped Protect members.
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Income protection and injury lump sum benefit claim
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Joshua was in a car accident. He was thrown from the vehicle through a back-passenger window, breaking his nose, cheekbone and three bones in his neck. For the next six months he wore a halo brace, with bolts screwed to his skull to allow his broken neck to mend.
While he was unable to work, the State transport accident scheme paid Joshua a disability allowance equivalent to 80 per cent* of his average weekly income. Protect topped-up those payments to 100 per cent of the gross rate of his pre-accident earnings.
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"Protect was absolutely brilliant. I got a call from the insurer – they asked how I was, asked a few other questions, and said they would get back to me. Within days I got a call to say my claim had been approved and processed."
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Unlike some other group accident and sickness insurance schemes, Protect covers members injured in any transport accident outside of work – not just accidents that occur travelling to and from work.
Joshua returned to work part-time after 11 months. He received Protect top-up pay until he was back at work full-time – nearly 14 months after the accident. After his income protection claim was complete, he received a Protect broken bones lump sum benefit.
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