The Expense Management Association exists to help its members maintain control of their personal finances, including bills, debts and other expenses, and to help members maintain their personal creditworthiness. The Association leverages the collective buying power of the group to seek out benefits, services, discounts and privileges for this purpose. Legal Club of America and We Care benefits and services are available to association members through VantageAmerica Solutions, Inc. Membership is open to everyone, requires no long term commitment, and can be cancelled at anytime.

The association provides access to a number of credit protection benefits including Identity Theft Protection, Debt Relief Services, Financial Education, Legal Counsel and access to involuntary unemployment insurance. Each member receives a membership kit with benefit descriptions and an insurance contract.

You automatically are covered by the Credicare911 plan for Identity Theft, membership in the Legal Club of America, and introductory complimentary membership in the We Care program. See the Membership tab on the website for a full explanation of these benefits. Beyond that, based on the level of membership you chose, (Bronze, Silver, or Gold) you are eligible to receive cash benefits if you become involuntarily unemployed, subject to the terms and conditions of the insurance contract.

Your monthly membership fee is debited from either your checking account or credit card on a monthly basis. It will be debited each month on or about the same date as your original effective date.

Yes. This is a secure site that can be trusted to enter private information. Information is automatically sent using secure certificates and stored with data encryption.

Yes. There is a 30-day Free Review period for New Members. You may cancel anytime within the first 30 days of coverage and receive a full refund, less the $10.00 one-time setup fee. Beyond that time period, you may cancel coverage at anytime. Cancellations are required to be made in writing to the Program Administrator at the address listed below:

VantageAmerica Solutions, Inc.
1275 Milwaukee Avenue
Glenview, IL 60025

Contact the Program Administrator.
888-678-6300

VantageAmerica Solutions, Inc.
1275 Milwaukee Avenue
Glenview, IL 60025

Yes, but your vesting period will start over. Contact the Program Administrator.
888-678-6300

VantageAmerica Solutions, Inc.
1275 Milwaukee Avenue
Glenview, IL 60025

Contact your agent, or the Program Administrator.
888-678-6300

VantageAmerica Solutions, Inc.
1275 Milwaukee Avenue
Glenview, IL 60025

Contact the general Customer Service area at 1-888-678-6300 to get specific information about accessing the Non-Insurance Consumer benefits, billing inquires or cancelling coverage. Be sure to listen to the voice prompts carefully. Or Email us.

Under this plan, 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.

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

4 Month Vesting Period and Actively at Work Requirements. Before involuntary unemployment insurance 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 a claim. 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.

30 day 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 unemployment are not covered. The elimination period makes the insurance more affordable and eliminates the high expense involved in processing insignificant short term employment interruptions.

1. 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.
2. 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.

You must be a W-2 employee 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.

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. You will need to read your insurance contract for the specific definitions of these exclusions.

Contact the Customer Service Center at 1-800-888-2738 x8220 for a claims package. You will need to complete the claims package and submit it to the Program Administrator to start the claim process. You must register with your state's unemployment division or an employment office. The Administrator will verify your coverage and start the claims payment process. If the waiting periods are over and your claim is otherwise valid, you will be paid a benefit equal to 1/30th of the Monthly Benefit amount you chose for every day beyond 30 days that you are out of work due to Unemployment for up to 4 months at a time. The Insurance Company does not pay claims benefits "in advance".

No, It only pays if you miss work due to an accident.

There is no initial Vesting Period but does contain a 4 month "Actively at Work" requirement among other conditions, exclusions and limitations.

Pricing varies by plan choice & benefit amounts. See the membership options

You can spend it on whatever you want...it's your benefit money. Some people might use it to pay their mortgage, rent, electricity, credit card or phone bills, while others might use it to pay for prescriptions or medical bills. It's completely up to you.

It is possible that unemployment benefits may be taxable. We cannot give tax advice. You should consult your tax advisor about any benefits received and determine what tax rules apply. The plan pays regardless of any other coverage you may already have.