TRAUMA COVERAGE
Blending financial protection with mental health care.
Peace of mind is easier to achieve with guaranteed income.
Plan Benefits
Trauma Coverage is available in five plan levels designed to fit different budgets and needs. Each option varies in benefit amounts and services, giving employers flexibility to choose the right fit based on industry risk and support goals.
Confidential therapies include but are not limited to talk therapies (psychotherapy), Cognitive Processing Therapy, Eye Movement Desensitization and Reprocessing (EMDR), Prolonged Exposure, and medication-assisted therapy, which can enhance treatment outcomes for those with PTSD.
Lost Wage
Receive 100% of your regular pay from all employment income sources while you’re unable to work due to trauma without a waiting period to receive benefits up to your plan maximum.
Recuperation
Reimbursement for out-of-pocket expenses related to medical, dental, vision, hearing, pharmaceutical, addiction to prescribed drugs, or lost wages of a family member providing supportive services up to your plan maximum.
Student Financial Assistance
Depending on legal status, Insured Students or their legal guardian(s) will receive $250 per day until the aggregate maximum limit of insurance for this benefit is met or the date the Insured Student returns to school, whichever occurs first. This amount is up to your plan maximum.
Accidental Death
A lump sum payment to your beneficiaries if you suffer an accidental death.
Covered Incidents
All Benefits
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Aggravated Assault
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Sexual Assault
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Foreign Agent Assault
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Terrorism (including mass shootings)
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Infectious Disease Contraction*
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Accidental Death
Trauma Counseling Benefit
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Major Disaster
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Financial Fraud
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Bullied, Harassed, or Threatened*
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Secondary Trauma*
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Witnessing a Covered Violent Incident
* While working, or while on the premises of a school facility as part of their curriculum
Frequently Asked Questions
“Never in a million years did I think I’d be a victim of assault. But it happened. The Trauma Coverage my employer offered me a year prior—coverage I never thought I’d need—ended up saving my life.”
Carrie L., Insured with Trauma Coverage