AFT Enhanced Benefits

Social safety nets, referral networks, and traditional insurances often fail to provide meaningful trauma recovery, leaving families vulnerable to depression, addiction, and financial hardship.

Trauma Coverage® provides individuals and families with financial security, physical recuperation, and emotional well-being after a traumatic incident.

Trauma Counseling

Trauma Counseling is a confidential, measurement-based program empowering recovery after every day and workplace incidents. Talk with a Master’s level therapist 24/7 via video, phone or text. This is therapy re-invented for the way we live.

Recovery Care

Reimbursement for out of pocket expenses including copays and deductibles for medical, dental, vision, hearing, pharmaceutical, and addiction to pharmaceuticals care. Family members providing supportive services can also receive 100% of their regular pay.

 

Income Security

Receive 100% of your regular pay while you’re unable to work due to a trauma without a waiting period to receive benefits. Beneficiaries of each insured will receive their policy maximum due to their loss of life from an accidental death.

How does it work?

Above is an example of maximum benefits paid to an Insured who experiences a covered trauma and unable to work for 3 months while undergoing recovery care and counseling.  If they regularly earn $60,000 a year ($165 a day), a Trauma Coverage Gold Plan would provide them with $15,000 in financial benefits, $15,000 in recovery benefits, and $5,000 of counseling. View policy details for limitations and exclusions that may affect benefits payable and duration of benefits.

Covered Incidents

Every Day

  • Aggravated Assaults
  • Sexual Assaults
  • Mass Shootings
  • Terrorist Acts
  • Natural Disasters

At Work / School

  • Infected by Disease
  • Traumatized by Witnessing Violence
  • Bullied, harassed, or threatened
  • Secondary trauma

Guaranteed Issue

No Waiting Period

Easy & Secure Checkout

Guaranteed Issue

No Waiting Period

Easy & Secure Checkout

Plan Options

Discounted prices available for a limited time

BRONZE
$10 $4/month

$50,000
Maximum benefit per policy period (1 year)

$4,000
Individual and family counseling

$5,000
Maximum in lost wages*

$5,000
Maximum for expense reimbursement** or lost wages of a family member

$50,000
Accidental death benefit

SILVER
$20 $8/month

$100,000
Maximum benefit per policy period (1 year)

$4,000
Individual and family counseling

$10,000
Maximum in lost wages*

$10,000
Maximum for expense reimbursement** or lost wages of a family member

$100,000
Accidental death benefit

GOLD
$30 $12/month

$150,000
Maximum benefit per policy period (1 year)

$4,000
Individual and family counseling

$15,000
Maximum in lost wages*

$15,000
Maximum for expense reimbursement** or lost wages of a family member

$150,000
Accidental death benefit

FAMILY
$40 $16/month

$200,000 / Insured
Maximum benefit per policy period (1 year)

$4,000 / Insured
Individual and family counseling

$20,000 / Insured
Maximum in lost wages*

$20,000 / Insured
Maximum for expense reimbursement** or lost wages of a family member

$200,000***
Accidental death benefit

BRONZE
$10 $4/month

$50,000
Maximum benefit per policy period (1 year)

$4,000
Individual and family counseling

$5,000
Maximum in lost wages*

$5,000
Maximum for expense reimbursement** or lost wages of a family member

$50,000
Accidental death benefit

GOLD
$30 $12/month

$150,000
Maximum benefit per policy period (1 year)

$4,000
Individual and family counseling

$15,000
Maximum in lost wages*

$15,000
Maximum for expense reimbursement** or lost wages of a family member

$150,000
Accidental death benefit

SILVER
$20 $8/month

$100,000
Maximum benefit per policy period (1 year)

$4,000
Individual and family counseling

$10,000
Maximum in lost wages*

$10,000
Maximum for expense reimbursement** or lost wages of a family member

$100,000
Accidental death benefit

FAMILY
$40 $16/month

$200,000 / Insured
Maximum benefit per policy period (1 year)

$4,000 / Insured
Individual and family counseling

$20,000 / Insured
Maximum in lost wages*

$20,000 / Insured
Maximum for expense reimbursement** or lost wages of a family member

$200,000***
Accidental death benefit

BRONZE
$10 $4/month

$50,000
Maximum benefit per policy period (1 year)

$4,000
Individual and family counseling

$5,000
Maximum in lost wages*

$5,000
Maximum for expense reimbursement** or lost wages of a family member

$50,000
Accidental death benefit

SILVER
$20 $8/month

$100,000
Maximum benefit per policy period (1 year)

$4,000
Individual and family counseling

$10,000
Maximum in lost wages*

$10,000
Maximum for expense reimbursement** or lost wages of a family member

$100,000
Accidental death benefit

GOLD
$30 $12/month

$150,000
Maximum benefit per policy period (1 year)

$4,000
Individual and family counseling

$15,000
Maximum in lost wages*

$15,000
Maximum for expense reimbursement** or lost wages of a family member

$150,000
Accidental death benefit

FAMILY
$40 $16/month

$200,000 / Insured
Maximum benefit per policy period (1 year)

$4,000 / Insured
Individual and family counseling

$20,000 / Insured
Maximum in lost wages*

$20,000 / Insured
Maximum for expense reimbursement** or lost wages of a family member

$200,000***
Accidental death benefit

Benefits are payable per insured per incident up to your policy maximum.
*100% of lost wages from all income sources
**Expense reimbursement includes any medical, dental, vision, hearing, pharmaceutical, and addiction to prescribed drugs expenses

***The accidental death benefit for the Family Plan is up to $200,000 ($150,000 for employed Insureds and $25,000 for non-employed Insureds)
This is a summary of insurance coverage and the actual policy will govern in all cases where there is a conflict between this summary and the policy.

Covered Incidents

Aggravated Assault
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. 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. 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. 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. 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.

Workplace Trauma
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. Benefits will be paid in accordance with the sums shown in the schedule and subject to any maximum limits.

Workplace 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. Current National Notifiable Diseases are listed here.

Workplace 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.

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.

Frequently Asked Questions

What is Trauma Coverage?
Trauma Coverage is a one of a kind insurance program that provides a combination of specialized trauma counseling and financial assistance to help one recover from a traumatic event.

What incidents are covered?
Trauma Coverage provides benefits to an insured if they are injured anywhere in the United States, Puerto Rico, United States Virgin Islands, and Guam. It is extended to be Worldwide for Insured Persons who are employed at the Department of Defense schools.

What benefits will I receive?
After a covered incident an insured is immediately eligible to receive specialized trauma counseling, 100% of their regular pay from all income sources, reimbursement for any out of pocket medical expenses including medical, vision, dental and pharmaceutical, as well as 100% of the lost wages of a family member providing at-home support, all subject to their policy maximums.

Is there a waiting period to receive benefits?
No. There is no waiting period on any of the benefits provided.

I thought I already had this benefit.
No, this is an additional and unique benefit beyond any provided by your insurance, employer, an Employee Assistance Program (EAP) or Workman’s Compensation.

Does Trauma Coverage pay if I am receiving other benefits?
Trauma Coverage does not coordinate with any other benefits. It will pay in addition to your other insurances.

Am I required to produce a police report of an assault or incident?
Depending on the nature of the traumatic incident, you will be required to provide either a Workplace Incident Report or a police report as part of your claim for benefits.

Is this different from an Employee Assistance Program (EAP)?
Yes, the counselors in this program have all received specialized training in post-traumatic care. The benefit offers customized therapy sessions, and staged to include a diagnosis, a midway update and a final summarizing session.

Can I also receive benefits from Workers Compensation, my employer and/or counseling through my insurance?
Yes, benefits are in addition to those benefits mentioned above.

What infectious diseases are covered?
Infectious diseases are covered incident if accidentally contracted while at work. Covered diseases must be listed, on the date of the accident, by the Centers for Disease Control and Prevention on the National Notifiable Diseases Surveillance System. Current National Notifiable Diseases are listed here.

How do I find a therapist who is covered by the Trauma Counseling benefit?
If you don’t have a therapist, we will connect you with one that has been identified as high-performing therapists across the U.S. Each is licensed, has earned a Masters’ or higher degree; is trained in post-traumatic incident mental health care and has undergone an extensive background check.

What if I don’t have time to see a counselor?
Because this counseling is facilitated by today’s technology, you have great flexibility in setting up your sessions which can occur 24/7 from anywhere. Of course, sessions must be scheduled at times agreeable to both parties.

How does it coordinate with union-employer negotiated plans which may exceed federal law?
The Benefits under the policy are separate and independent of any other benefits.

What is the rating for the Insurance Carrier?
Lloyd’s of London has an A.M. Best Financial Strength Rating of “A”.

Submit a Claim

Before submitting a claim for benefits, please verify:

  • The incident occurred on or after your coverage effective date
  • It is a covered incident (see details on covered incidents in the tab above).

If you qualify, please submit a claim with the form below. After a claim has been submitted, it will be reviewed within 48 hours, at which time you may receive a request for additional documentation. Contact may be delayed if your request was submitted on a Saturday, Sunday, or U.S. observed holiday.

Contact Us

For questions in regards to Trauma Coverage® please review our frequently asked questions. If you would like to speak with an agent, please fill out the form below an agent will connect with you.

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About Us

Our story began when a church in our home town was traumatized by an armed gunman. Like most communities, ours came together to help those traumatized and experiencing hardship. Politicians and business leaders held the community in their thoughts and prayers, but soon thereafter it became clear we were on our own. Social safety-nets, referral networks, and traditional insurance failed to provide meaningful trauma recovery, leaving families vulnerable to depression, addiction, and financial hardship.

We started by creating the nation's first workplace violence and infectious disease benefit. It has now evolved into Trauma Coverage® which helps individuals and families receive comprehensive trauma recovery through affordable insurance underwritten by one of the oldest and best known insurance companies, Lloyd’s of London.

We collect information from a wide range of resources regarding traumatic incidents which allows us to serve as the leading resource for research, position statements, statutes, training curricula, prevention initiatives, and program information. With these resources, we assist coalitions, advocates, and others interested in understanding and eliminating traumatic incidents.

We have an active and diverse Advisory Council that assists and advises staff and ensures a broad national perspective. We also enjoy strong partnerships with trade unions, anti-assault coalitions and allied organizations.

Let us help you. Cover yourself and your family for the unexpected, and expected so that recovery can be that much easier.

Cancel | Refund

Trauma Coverage is a one year insurance policy with payments made on a monthly basis.

Coverage may be cancelled by the insured at any time through one of the methods below and shall be effective upon receipt or on such later date as may be specified by insured.

U.S. mail:

Trauma Coverage Administration
c/o International Specialty Insurance
U.S. Coverholder for Lloyd's of London
110 Oakwood Dr., Suite 420
Winston-Salem, NC 27103

Email: admin@traumacoverage.com - Opens in a new window

Phone: 855-631-1421 - Monday - Friday from 8 A.M. to 5 P.M. Central (Excluding U.S. Holidays)

Coverage may also be cancelled by Underwriters by giving the insured thirty (30) days notice in writing. Underwriters will only do this for the following valid reasons:

- Non-Payment of Premium

- No-cooperation or failure to supply any information or documentation upon Underwriters request.

Cancellation by Underwriters shall be without prejudice to any claim originating prior to the effective date of cancellation.

In the event of a claim being paid under this Policy, the premium for this Policy shall be deemed to be fully earned.

Calculation of refunded amount

In order to calculate the prorated refund amount we will take the total monthly base premium of your plan, divide it by the number of days in the month to determine a daily amount. We will then multiply the daily amount by the number of days after the date of cancellation to generate the prorated amount for the partial month.

Contact us
If you have any questions about this Cancellation, please contact us at: info@traumacoverage.com or 855-631-1421

©2020 Trauma Coverage®. All rights reserved.


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