Frequently Asked Questions
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 as the result of an aggravated assault, sexual assault, mass shooting or act of terror. Coverage is extended to an insured's place of work to provide benefits for witnessing a violent act, and infectious diseases.
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 if accidentally contracted at work. 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.
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”.