What We Do

What We Do

Filling the gaps of traditional insurances

Trauma Coverage is an affordable insurance that empowers the recovery of individuals and families through income security, physical recuperation, and emotional well-being after a traumatic incident. The benefits that are provided to you are in addition to what you may already be receiving from traditional and supplemental insurances.

Included Benefits

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.

When You're Covered

If you're infected by disease or traumatized by witnessing violence while at work or in school, you may receive benefits. Coverage is extended outside of work or school (24/7, anywhere in the U.S.) for assault (aggravated or sexual), mass shootings or terrorist acts.

How It Works

1

2

3

4

You purchased the
Gold Plan

You're assaulted at work or
at home

You're out of work for
3 months

You're paid $35,000 in
total benefits

This is an example of the maximum benefits paid to an insured whose regular earnings are $60,000 a year ($165 a day). The Trauma Coverage Gold Plan would provide you with $15,000 in recovery benefits, $15,000 in financial benefits, and $5,000 of trauma counseling for you and all of their immediate family members.

Frequently Asked Questions

At Work
Infected by Disease
Post-traumatic Stress

Everywhere in the U.S.
Aggravated Assaults
Sexual Assaults
Mass Shootings
Terrorist Acts

In School
Infected by Disease
Post-traumatic Stress

We're here to help answer your questions. If you have a question in regards to something not listed below, contact us today.

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 disease 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”.

Plan Options

BRONZE

$5,000
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

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

SILVER

$5,000
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

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

GOLD

$5,000
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

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

FAMILY

$5,000 / 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

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

BRONZE

$5,000
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

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

SILVER

$5,000
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

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

GOLD

$5,000
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

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

FAMILY

$5,000 / 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

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

BRONZE

$5,000
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

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

GOLD

$5,000
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

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

SILVER

$5,000
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

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

FAMILY

$5,000 / 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

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

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

Guaranteed Issue

No Waiting Period

Easy & Secure Checkout

Guaranteed Issue

No Waiting Period

Easy & Secure Checkout

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