You can apply for the Wage Protector insurance program if you are between the ages of 18 and 69 and you are Actively at Work for at least 30 hours per week at the time of application and for the 90-day period prior to application for employees and 365 days for independent contractors and self-employed persons. Refer to specific Disability Details and FAQs for more details on those benefits.

Wage Protector is available in the states of Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maryland, Maine, Michigan, Missouri, Mississippi, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, West Virginia, Wisconsin, and Wyoming.

Wage Protector is not available in Alaska, Florida, Hawaii, Indiana, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, Ohio, Virginia, and Washington.

No. US citizenship is not required but you must be living in the US.

Yes, if you are self-employed, you can purchase Wage Protector. Note there are different terms and exclusions for self-employed.

Yes, if you are an independent contractor, you can purchase Wage Protector. Note there are different terms and exclusions for independent contractors.

Yes. You just need to prove you have a job that pays you a salary or wages and you work at least 30 hours per week.

Yes. If you regularly work at least 30 hours per week, you qualify for coverage.

Your eligibility is not dependent upon your credit rating. We do not check your credit history. Anyone from 18 years old up to age 69 and working at least 30 hours per week for the past 90-day period prior to application for employees and 365 days for independent can apply.

Yes, the insurer reserves the right to individually underwrite this coverage. The product may not be available to certain employers, job types or individuals.

Coverage under the Wage Protector insurance plan will end at the end of your policy term unless renewed; otherwise coverage terminates:

• on the date that you request cancellation of coverage;
• on the last day for which premium has been paid if cancelled for non-payment of premium;
• on the policy anniversary after turning age 70;
• on the date of death;
• if the insurance company loses or has a substantial change in reinsurance;
• on the date the insurance company cancels the policies for all persons in a like class;
• on the date the total benefits paid under the policy exceeds the Lifetime Aggregate Maximum Benefit;
• based on any other reasons as approved by the commissioner of insurance.

NOTE: Terms and conditions may vary by state. Consult the policy for specific terms and conditions.

You must be Actively at Work for at least 30 hours per week for the last 90 consecutive days (for employees) or 365 consecutive days (for independent contractors). For Disability benefits, you must become disabled while insured and remain disabled for at least the 30-day waiting period. Note that if you have been treated for a pre-existing condition in the 6 months prior to your effective date and become disabled from that condition during the first 6 months of coverage, disability benefits will NOT be payable.

A disability is when, because of an illness or injury, you:

• are unable to perform the material and substantial duties of your occupation;
• are under the continuous care of a licensed physician;
• are not working for wages or profit while disabled; and
• remain disabled longer than the 30 day waiting period.

You choose your benefit amount!

For an employee: The total aggregate Monthly Insurance Benefit Amount for this coverage cannot exceed the lesser of the Benefit Amount you have selected or 60% of your monthly salary, immediately prior to the incurred date of a qualifying event, from the occupation shown in the application.

For an independent contractor or self-employed: The total aggregate Monthly Insurance Benefit Amount for this coverage cannot exceed the lesser of the Benefit Amount you have selected or 60% of your average monthly income, immediately prior to the incurred date of a qualifying event, from the occupation shown in the application.

A Lifetime Aggregate Maximum Benefit also applies.

You must be disabled for at least 30 days (called the waiting period) in order to be eligible for benefits. If you are an employee: After a disability occurs and you satisfy the waiting period, benefits are retroactive and will be calculated starting on the 1st day of the covered disability. If you are an independent contractor or self-employed: After a disability occurs and you satisfy the waiting period, benefits are non-retroactive and will be calculated starting on the 31st day of the covered disability.

Any medical condition that you have been treated by, diagnosed by or consulted with a licensed physician or licensed chiropractor within the 6 months prior to your policy effective date is considered a pre-existing condition.

If you have a pre-existing condition, no benefit will be paid if it becomes the reason for your disability within the first 6 months following your policy effective date. However, benefits will be payable if the pre-existing condition is the reason for your disability after the first 6 months following your policy effective date.

This policy excludes benefits for disabilities that are:

1. a result of a pre-existing medical condition in the 6 months before the policy effective date and such condition becomes the cause of disability within the 6 months after the policy effective date.
2. due to hospitalization that occurs during the first ninety (90) days after the policy effective date due to illness.
3. a result of normal pregnancy that does not include complications of pregnancy.
4. a result of war or any act of war (declared or undeclared).
5. a result of a self-inflicted injury.
6. a result of voluntary ingestion of illegal drugs.
7. a result of intoxication.
8. a result of injuries during commission of a felony.
9. a result of participation in a riot or insurrection.
10. a result of an illegal occupation or activity.

It’s really simple.  In fact, it usually takes less than five minutes to do!  We just ask for your name and address and some questions regarding your current employment, so we can provide you with the best rate possible.

In order for us to uniquely identify you in a way that is easier for you to remember while balancing your need for privacy, we ask for your last four digits of your social security number. You cannot be identified nor have your identity stolen by others from just these four digits.

No, but after reviewing the entire application, you will be asked to accept your typed name as your electronic signature. This makes it faster and easier for you to start your protection.

Yes. You can pay by credit card or electronic funds transfer (EFT); credit card transactions are subject to up to a $5.00 monthly billing fee where permitted. 

You can email us to request a change or mail a notice to us at 4510 Cox Road, Suite 111, Glen Allen VA 23060.

When you apply for Wage Protector, you tell us your preference for paying monthly, quarterly or annually and whether by EFT/ACH from your checking account, payroll deduction (if available), direct bill or credit card. At this time, we do not accept Venmo or PayPal, but check back in the future.

If you miss a payment, you have 31 days to make your payment and continue coverage. If you do not pay within those 31 days, your coverage will end.

No, the price will not change just because you have a claim.

You can make a disability claim 30 days after a qualifying event.

Filing a claim is simple. You can start your claim by sending us an email or you can give us a call Monday – Friday, from 8:30 a.m. to 5:00 p.m. (Eastern Time) at (804) 273-9797 and we will help you.

We need proof and timing of your disability. The typical sources of this are a letter or a form from your doctor that says you are unable to work for more than 30 days (that is usually provided to your employer).

The timing for approving a claim may vary depending on the type of claim and the information needed from additional sources. For example, for a disability claim, we’ll need information from you and your doctor(s). It will be helpful if you can provide all documentation and information requested on a timely basis to avoid claim delays or denials.

Once a claim is approved and then set up on a payment schedule,  the first monthly payment will be mailed out as soon as possible and subsequent monthly payments will be mailed at the beginning of each month.

You may cancel coverage anytime. If you cancel the coverage and have filed a claim or are receiving claim benefits, the coverage and benefits end as of the date you requested cancellation. You must continue to pay insurance premiums even while on claim.

If you have a valid claim within the 31 days after your premium was due but was not paid, we will accept the claim and deduct any premium due from the benefit payment. If the next premium due goes unpaid, coverage and the claim will end. You must continue to pay insurance premiums even while on claim.

The policy requires that proof of a claim must be provided to us within 1 year of occurrence.

If your doctor has said you will be off work for more than 30 days, you should contact us about what is needed to file your claim. Once the 30 day Waiting Period has lapsed, then go ahead and file your claim with us.