Job loss due to layoff, job elimination, business closing or other employer-initiated separation not specifically excluded
Illness or injury that prevents you from working at your job for at least 30 days
A job loss you were told about before you bought the coverage or if you quit, retire or are fired.
A disability that starts within the first 6 months of coverage if caused by a condition you were treated for within the 6 months before you bought the coverage
Normal and routine downtimes for seasonal and other jobs (like construction)
to normal pregnancy, alcohol or drug use, or elective surgery
Job loss due to acts of war or nuclear or natural disasters
Job Loss Or Disability That Occurs in the first 30 days of coverage