AFSA is proud to introduce a new member-only benefit program underwritten by Lloyd’s of London. It is a trauma coverage program with trauma counseling, assault and infectious disease benefits that fills the gaps left by traditional insurance and employee assistance programs with respect to traumatic events.
Considering recent events, AFSA members know, perhaps more than anyone, the world we live in today. Trauma coverage provides you and your family with financial and counseling resources needed to empower recovery after a traumatic event. There are three coverage options available, as well as a fourth family option.
Member Coverage
Trauma coverage provides income reimbursement, expense reimbursement, accidental death benefit and counseling, 24/7, on and off the job, for incidents, including:
- Mass shootings
- Aggravated assaults
- Sexual assaults
- Acts of terror
Coverage is extended to work or school for such incidents as being traumatized by violence, or accidently contracting an infectious disease listed by the Centers for Disease Control and Prevention (CDC), which currently includes COVID-19, on the job or at school.
After a covered incident, trauma coverage provides 100% of your daily wages from all sources up to your chosen benefit limit, 100% of a family member's regular pay that is providing at-home support, and reimbursement for any out-of-pocket medical expenses. There is no waiting period for benefits to begin on any of the four available programs, and there is an accidental death benefit up to a maximum of $200,000.*
Family Coverage
AFSA members can extend coverage to their family as well. Under the family program, a covered full-time student up to age 26 who experiences a covered trauma would receive a benefit of $100 a day while out of school. In addition, a family member staying at home to provide support also would be able to receive 100% of their daily pay while out of work, up to a maximum of $20,000. Full-time students up to age 26 also are eligible for benefits if they contract an infectious disease listed by the CDC while actively enrolled.
What Action Should I Take?
AFSA members who want to obtain more information and enroll in this unique trauma coverage program with trauma counseling, assault and infectious disease benefits should visit www.traumacoverage.com/AFSA.
* The accidental death benefit for the family plan is up to $200,000 ($150,000 for employed insureds and $25,000 for nonemployed insureds).
The plan administrator contributes to the Diann Woodard AFSA Scholarship Fund, sponsors events for AFSA at which the administrator’s products are presented, and reimburses AFSA for costs incurred in publication of these plans and benefits.
AFSA’s announcement and publication of the plans and benefits outlined in this email should not be construed as a recommendation or advice that these plans and benefits are appropriate for any individual member or family.
