AFT Covered Incidents

Aggravated Assault & Domestic Violence
Coverage is 24 hours a day, 365 days a year for insureds when they sustain a bodily injury from an Aggravated Assault while in the United States, Puerto Rico, United States Virgin Islands and Guam. Coverage is Worldwide for those employed at the Department of Defense schools. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.

An Aggravated Assault for purposes of coverage is defined as an attack without a weapon when serious injury results or an attack with a weapon involving any injury. Serious injury includes broken bones, lost teeth, internal injuries, loss of consciousness, and any unspecified injury requiring two or more days of hospitalization.

Sexual Assault
Coverage is 24 hours a day, 365 days a year for insureds when they experience a Sexual Assault while in the United States, Puerto Rico, United States Virgin Islands and Guam. Coverage is Worldwide for those employed at the Department of Defense schools. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.

A Sexual Assault for purposes of coverage is any willful or unlawful use of force by the perpetrator upon an insured that occurs without the explicit consent of the recipient of the unwanted sexual activity. Falling under this definition are: forced sexual intercourse, sodomy, oral penetration or penetration using an object, and rape. This does not include cases involving minor sexual assaults or indecent exposure, exhibitionism, or employee sexual verbal harassment.

Mass Shooting
Coverage is 24 hours a day, 365 days a year for insureds when they sustain a bodily injury from a Mass Shooting while in the United States, Puerto Rico, United States Virgin Islands and Guam. Coverage is Worldwide for those employed at the Department of Defense schools. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.

A Mass Shooting for purposes of coverage is a shooting with 3 or more shooting victims, not including the shooter.

Terrorist Act
Coverage is 24 hours a day, 365 days a year for insureds when they sustain a bodily injury from a Terrorist Act while in the United States, Puerto Rico, United States Virgin Islands and Guam. Coverage is Worldwide for those employed at the Department of Defense schools. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.

A Terrorist Act for purposes of coverage is an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s).

Bodily injury may be either directly or indirectly caused by, resulting from, or in connection with any of the following; 1) Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the insured person whether war be declared with that state or not, 2) Terrorist activity, always provided that the insured person(s) are not actively participating in any, or all, of (1) to (2) above, and further provided that neither (1) nor (2) above are the result of the utilization of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined.

Natural Disaster (NOT COVID-19)
Coverage is 24 hours a day, 365 days a year for insureds when they 1) are diagnosed as injured, traumatized, or infected by a disease listed by the Centers for Disease Control and Prevention’s on the National Notifiable Diseases Surveillance System. Diagnosis must be made by a Physician or Licensed Mental Health Professional; 2) while in the United States, Puerto Rico, United States Virgin Islands and Guam. Coverage is Worldwide for those employed at the Department of Defense schools.

A Natural Disaster for purposes of coverage must be declared under the U.S. National Emergencies Act for any natural catastrophe (NOT COVID-19) including any hurricane, tornado, storm, high water, wind driven water, tidal wave, tsunami, earthquake, volcanic eruption, landslide, mudslide, snowstorm, drought, or regardless of cause, any fire, flood, or explosion, in any part of the U.S., that causes damage, ecological disruption, loss of human life, and deterioration of health and health services on a large scale.

Occupational Bullying, Harassment, Threats, or Secondary Trauma
Coverage is for insureds when they 1) are bullied, harassed, threatened, or experience secondary trauma resulting in a mild, moderate, and severe mental health condition and an impairment in function 2) while at work while in the United States, Puerto Rico, United States Virgin Islands and Guam. Coverage is Worldwide for those employed at the Department of Defense schools. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.

Occupational Infection
Coverage is for insureds when they 1) accidentally contract an infectious disease while on business for/or on the premises of their employer. The disease must be listed, on the date of the accident, by the Centers for Disease Control and Prevention on the National Notifiable Diseases Surveillance System. 2) while at work while in the United States, Puerto Rico, United States Virgin Islands and Guam. Coverage is Worldwide for those employed at the Department of Defense schools. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.

Occupational Witnessing Violence
Coverage is for insureds when they 1) witness a aggravated assault or threat of an aggravated assault directed toward persons at work or on duty by 1) persons who enter the workplace to commit a robbery or other crime; or 2) by customers, clients, patients, students, inmates or any others to whom the employer provides a service 3) while at work while in the United States, Puerto Rico, United States Virgin Islands and Guam. Coverage is Worldwide for those employed at the Department of Defense schools. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.