Job Loss, Leave of Absence and Disability - Job Loss means You lose Your Full-Time job because of one of the following:
- A general strike;
- A layoff for You;
- A unionized labor dispute;
- A lockout; or
- You are terminated
Subject to Excluded Reasons listed below.- Leave of Absence means that You are on an unpaid employer approved leave from a Full-Time job. Subject to Excluded Reasons listed below.
- Full-Time means that You work at least 30 hours per week as a permanent non seasonal employee.
To obtain a Job Loss or Leave of Absence Benefit:
- The Benefit Start Date of Your Job Loss or Leave of Absence must be 30 days after Your enrollment Effective Date.
Excluded Reasons:
You cannot obtain a Job Loss or Leave of Absence Benefit if You:
- Are self-employed;
- Are employed by a member of Your immediate family or household;
- Quit Your job or retire;
- Are fired due to misconduct;
- Lose Your job because Your employment contract ends;
- Are seasonally employed;
- Keep Your job but Your work hours are reduced; or
- Have a Benefit Start Date within thirty (30) days of Your enrollment Effective Date.
- Disability means that due to sickness or injury;
- You are unable to perform normal daily activities; and
- You require the care of a doctor;
Subject to Excluded Reasons listed below.
To obtain a Disability Benefit:
- The Benefit Start Date of Your Disability must be after Your Effective Date; and
- You must be under the care of a doctor.
Cancellation amount for Job Loss, Leave of Absence and Disability Covered Events:
- After the Benefit Start Date, Your minimum payment shown on the first billing statement after Your Benefit Start Date is cancelled.
- After 30 days in a row of the Covered Event Your minimum payment shown on the second billing statement after Your Benefit Start Date is cancelled.
- After another 30 days or 60 days total in a row of the Covered Event Your minimum payment shown on the third statement after Your Benefit Start Date.
- After another 30 days or 90 days total in a row of the Covered Event Your full Account balance is cancelled, as of the Benefit Start Date minus any payments already cancelled for this Covered Event.
- The total amount cancelled will not exceed the amount You owed on Your Benefit Start Date, up to a maximum of $10,000.