Involuntary Unemployment is defined as totally and continuously losing full-time employment as a result of:

1. a permanent involuntary termination of employment; or
2. an involuntary layoff or suspension of employment; or
3. an authorized, unionized strike or labor dispute by a chartered or previously organized trade or labor union; or
4. a lockout, discharge of employees or temporary closing of business in response to organized employee activity; or
5. a state or federally declared disaster caused by a geological or weather-related natural event.

Eligibility. You must be an employee who receives a W-2 and CANNOT be self-employed, an independent contractor, a business owner, a temporary or seasonal worker, an educational employee on a scheduled break, or work for your immediate family.

Exclusions. Involuntary Unemployment does NOT include quitting, resigning, retiring, the expiration of an employment contract, being fired for cause, scheduled seasonal or temporary breaks or being on leave due to accident, sickness, disability, family obligations, childbirth, or pregnancy.

There are other excluded unemployment situations such as voluntarily choosing to become unemployed, willful misconduct, criminal misconduct, death, disability, family leave, childbirth, pregnancy; war, and discharge of pollutants. Please refer to your insurance contract for the specific definitions of these exclusions.

Qualification Periods. Before Involuntary Unemployment insurance benefits can be utilized, there is an initial Vesting Period of 4 months and a 4 month "actively at work" requirement. These periods can run concurrently, so you must be an association member for at least 4 months and also be working for at least 4 consecutive months before you can have an unemployment event qualify for benefits. If you become unemployed anytime before the initial vesting period is over, you will not be eligible to file a claim, and you will have to return to work for at least 4 consecutive months before eligibility begins. The unemployment claims procedure requires documentation from your employer and your state's unemployment office, which will verify the date of your unemployment.

Elimination Period. Once the vesting period and "actively at work" requirement has been met, there is also a 30-day "Elimination Period" before cash benefits are paid. The first 30 days of Involuntary Unemployment are not covered. Benefit Period. There is a 4 month "Maximum Benefit Period" per unemployment occurrence. You will be paid 1/30th of the monthly benefit amount for every day you are unemployed (beyond the vesting and elimination period) up to a maximum of 120 days. You will be paid in arrears, not in advance. Requalification Period. If you go back to work after having a claim paid, you have to work 4 months consecutively, to "requalify" for benefits. Then you could be unemployed again and have eligible claims paid again. There is no upper limit or maximum amount on a per policy basis, just on a "per occurrence" basis. The descriptions above are intended to serve as summaries and are not part of the contract or policy. This program may not be available in all states. Terms of coverage may differ from state to state. You should consult your own insurance policy or certificate for the specific terms which apply to you.

Accidental Disability means, as the result of a bodily injury caused by an accident, your inability to perform the material and substantial duties of any occupation for which you are reasonably fitted by education, training or experience. The injury must not be caused by or contributed to by sickness.

Eligibility. You must be employed at a full time job and working at least thirty (30) hours per week for at least 4 consecutive months immediately prior to the date an Accidental Disability begins.

Benefits will not be paid for pre-existing conditions - any sickness or injury for which you were diagnosed or for which you received treatment within the 12 months preceding the effective date of the insurance which caused, or contributed to, Total Disability within 12 months following the effective date of insurance.

There are other exclusions including, but not limited to, Total Disability that is caused by or contributed to by intentionally self-inflicted injury, acts of war, the use of unprescribed drugs or narcotics, alcohol intoxication, disease, bacterial infection, participating in a race for money or profit, acting as a pilot or crew member or while a passenger other than a fare-passenger in any aircraft, committing criminal acts, and normal pregnancy or childbirth.

Elimination Period. There is a 30-day "Elimination Period" before cash benefits are paid. The first 30 days of Accidental Disability are not covered. Benefit Period. There is a 4 month "Maximum Benefit Period" per Accidental Disability occurrence. You will be paid 1/30th of the monthly benefit amount for every day you are totally disabled (beyond the elimination period) up to a maximum of 120 days. You will be paid in arrears, not in advance. Requalification Period. Following the end of any previous claim for Accidental Disability benefits, You may file a new claim for benefits after You have been employed for wages or profit for at least 30 hours per week for the duration of the Requalification Period shown on the Schedule of Insurance. The descriptions above are intended to serve as summaries and are not part of the contract or policy. This program may not be available in all states. Terms of coverage may differ from state to state. You should consult your own insurance policy or certificate for the specific terms which apply to you.

Accidental Death. Under this plan "Accidental Death" means death as a direct result of an injury that occurs within 365 days of the accident causing the injury. There are exclusions including, but not limited to, a loss caused or contributed to by intentionally self-inflicted injury, war, the use of unprescribed drugs or narcotics, alcohol intoxication, your acting as a pilot or crew member or while a passenger other than a fare-paying passenger in any aircraft, riding or driving in any kind of race for prize money or profit, committing or attempting to commit a criminal act, disease or sickness, bacterial infection. The descriptions above are intended to serve as summaries and are not part of the contract or policy. This program may not be available in all states. Terms of coverage may differ from state to state. You should consult your own insurance policy or certificate for the specific terms which apply to you.