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?
A list of covered incidents can be found here.
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 policy details where limitations and exclusions may affect benefits payable and duration of benefits.
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.
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, or as part of a union-employer collective bargaining agreement?
Yes, benefits are in addition to those benefits mentioned above and does not coordinate with other benefits.
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.
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.
What is the rating for the Insurance Carrier?
Lloyd’s of London has an A.M. Best Financial Strength Rating of “A”.