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Here are common questions about SafetyNet in the state of Wisconsin{{location.name}}.

General questions about SafetyNet unemployment and disability insurance

What is SafetyNet™?

SafetyNet™ is not a loan. It’s a simple insurance plan that is designed to help you out if you lose your job due to a layoff, a job elimination or business closing or if you get hurt or sick and can’t work at your job for a month or longer. You pay just $[5]-$[30] a month. Then, if you have a covered job loss or disability, we will pay you the lump sum benefit you choose when you apply (up to $[9000]) to use in any way you want.

What job losses does the program cover?

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What disabilities does the program cover?

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Are there any special requirements for union members?

Yes. If you’re a union member who can get jobs through a union hiring hall, you will need to send us proof that you were getting state-approved unemployment benefits on the 31st day after your job loss...

Yes. If you’re a union member who can get jobs through a union hiring hall, you will need to send us proof that you were getting state-approved unemployment benefits on the 31st day after your job loss. That means you will have to wait at least 31 days after your job loss to get a benefit payment.

Yes. If you’re a union member who can get jobs through a union hiring hall, you will need to send us proof that you were getting state-approved unemployment benefits on the 31st day after your job loss. That means you will have to wait at least 31 days after your job loss to get a benefit payment.

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What does it cost?

For {{location.name}}, you pay just ${{$localContent('premium-level-1')}}-${{$localContent('premium-level-4')}} a month. Then, if you have a covered job loss or disability, we will pay you the lump sum benefit amount you choose when you apply. It’s that simple...

For {{location.name}}, you pay just ${{$localContent('premium-level-1')}}-${{$localContent('premium-level-4')}} a month. Then, if you have a covered job loss or disability, we will pay you the lump sum benefit amount you choose when you apply. It’s that simple. You decide the coverage that’s right for you. ${{$localContent('premium-level-1')}}/month for ${{$localContent('benefit-level-1')}} lump sum benefit; ${{$localContent('premium-level-2')}}/month for ${{$localContent('benefit-level-2')}} lump sum benefit; ${{$localContent('premium-level-3')}}/month for ${{$localContent('benefit-level-3')}} lump sum benefit; or ${{$localContent('premium-level-4')}}/month for ${{$localContent('benefit-level-4')}} lump sum benefit. NOTE: Rates and benefit amounts may vary by state since rates and product design are based on many factors, many of which are state-specific. These include state laws and regulations, the types of industry and occupations that are prevalent in the state, and actual and anticipated state claims experience, and more.

For {{location.name}}, you pay just ${{$localContent('premium-level-1')}}-${{$localContent('premium-level-4')}} a month. Then, if you have a covered job loss or disability, we will pay you the lump sum benefit amount you choose when you apply. It’s that simple. You decide the coverage that’s right for you. ${{$localContent('premium-level-1')}}/month for ${{$localContent('benefit-level-1')}} lump sum benefit; ${{$localContent('premium-level-2')}}/month for ${{$localContent('benefit-level-2')}} lump sum benefit; ${{$localContent('premium-level-3')}}/month for ${{$localContent('benefit-level-3')}} lump sum benefit; or ${{$localContent('premium-level-4')}}/month for ${{$localContent('benefit-level-4')}} lump sum benefit. NOTE: Rates and benefit amounts may vary by state since rates and product design are based on many factors, many of which are state-specific. These include state laws and regulations, the types of industry and occupations that are prevalent in the state, and actual and anticipated state claims experience, and more.

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How long will the coverage last?

The policy is issued for a one-year term. The policy will automatically renew for another one-year term as long as the required premium is paid and we approve. Of course, you can end the coverage...

The policy is issued for a one-year term. The policy will automatically renew for another one-year term as long as the required premium is paid and we approve. Of course, you can end the coverage at any time by writing or calling us. The only other times coverage will end is if you fail to pay the premium on time and when you reach the lifetime maximum benefit.

The policy is issued for a one-year term. The policy will automatically renew for another one-year term as long as the required premium is paid and we approve. Of course, you can end the coverage at any time by writing or calling us. The only other times coverage will end is if you fail to pay the premium on time and when you reach the lifetime maximum benefit.

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What is the maximum amount of coverage I can obtain?

Maximum coverage offered is a lump sum benefit of ${{$localContent('max-benefit')}}. You are limited to one job loss benefit and one total disability benefit during each policy year.

Maximum coverage offered is a lump sum benefit of ${{$localContent('max-benefit')}}. You are limited to one job loss benefit and one total disability benefit during each policy year.

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SafetyNet billing questions for new and existing customers

Does my unemployment check cancel out any money I get from SafetyNet?

No. SafetyNet will not affect your unemployment benefits and unemployment benefits do not impact SafetyNet benefits. 

No. SafetyNet will not affect your unemployment benefits and unemployment benefits do not impact SafetyNet benefits. 

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How do I change my payment information?

Visit your account online and change it under your profile or call us at 855.855.9695.

Visit your account online and change it under your profile or call us at 855.855.9695.

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How do I pay?

We will collect the monthly cost by the method you told us when you applied - either by an automatic monthly deduction from a financial institution account or charge to your credit card. At this...

We will collect the monthly cost by the method you told us when you applied - either by an automatic monthly deduction from a financial institution account or charge to your credit card. At this time we do not accept PayPal, but we are working on it.

We will collect the monthly cost by the method you told us when you applied - either by an automatic monthly deduction from a financial institution account or charge to your credit card. At this time we do not accept PayPal, but we are working on it.

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What if I miss a payment?

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.

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.

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Will the price change if I make a claim?

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

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

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Common eligibility questions for income insurance from SafetyNet

Do I need to be a US citizen to participate?

No. US citizenship is not required.

No. US citizenship is not required.

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I am self-employed, can I buy it?

No, unfortunately you cannot buy it today if you are self-employed. We are working on identifying a good solution for self-employed people. 

No, unfortunately you cannot buy it today if you are self-employed. We are working on identifying a good solution for self-employed people. 

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I work for cash, do I qualify?

As long as you can prove you have a job that pays you a salary or wages, even if you are paid cash, yes, you would qualify.

As long as you can prove you have a job that pays you a salary or wages, even if you are paid cash, yes, you would qualify.

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I am a union member. Do I qualify?

Yes. But union members who get can jobs through a union hiring hall must send us proof they were getting state-approved unemployment benefits on the 31st day after a job loss to receive a benefit.

Yes. But union members who get can jobs through a union hiring hall must send us proof they were getting state-approved unemployment benefits on the 31st day after a job loss to receive a benefit.

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I work part time. Do I qualify?

If, on average, you regularly work 20 hours or more a week, you qualify for coverage. You don't have to work 20 hours every week.

If, on average, you regularly work 20 hours or more a week, you qualify for coverage. You don't have to work 20 hours every week.

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What is a pre-existing condition?

A pre-existing condition can generally be described as something you know about BEFORE you buy our coverage. Very much like your auto insurance company does not cover accidents that happened before...

A pre-existing condition can generally be described as something you know about BEFORE you buy our coverage. Very much like your auto insurance company does not cover accidents that happened before you bought coverage, we also cannot cover a pre-existing condition that relates to a job loss or a disability. For job loss, that essentially means we will not cover a job loss you know is coming. For disability, that essentially means we will not cover a disability that results from a condition you saw a doctor about prior to purchase. We try to keep this limitation narrow and simple though. For job loss, your knowledge of a coming job loss must be based on a communication from your employer. Hearing a rumor of possible layoffs is not a pre-existing condition. For disability, the consultation must have occurred within the {{$localContent('disable-waiting-period')}} months prior to purchase. If the last consultation you had with a doctor about a condition was more than {{$localContent('disable-waiting-period')}} months before you bought the coverage, that is not a pre-existing condition.

A pre-existing condition can generally be described as something you know about BEFORE you buy our coverage. Very much like your auto insurance company does not cover accidents that happened before you bought coverage, we also cannot cover a pre-existing condition that relates to a job loss or a disability. For job loss, that essentially means we will not cover a job loss you know is coming. For disability, that essentially means we will not cover a disability that results from a condition you saw a doctor about prior to purchase. We try to keep this limitation narrow and simple though. For job loss, your knowledge of a coming job loss must be based on a communication from your employer. Hearing a rumor of possible layoffs is not a pre-existing condition. For disability, the consultation must have occurred within the {{$localContent('disable-waiting-period')}} months prior to purchase. If the last consultation you had with a doctor about a condition was more than {{$localContent('disable-waiting-period')}} months before you bought the coverage, that is not a pre-existing condition.

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Where is this available?

Right now, this product is available only in Colorado, Georgia, Iowa, Michigan, Mississippi, Missouri, Oklahoma, South Carolina and Wisconsin. We had to start somewhere and we are continuing to expand to additional states.

Right now, this product is available only in Colorado, Georgia, Iowa, Michigan, Mississippi, Missouri, Oklahoma, South Carolina and Wisconsin. We had to start somewhere and we are continuing to expand to additional states.

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I have bad credit. Do I qualify?

We do not judge your credit. We do not check your credit history. Anyone can apply.

We do not judge your credit. We do not check your credit history. Anyone can apply.

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Are there any other reasons I might not be eligible for coverage?

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

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

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Common questions about filing a claim with SafetyNet

When can I make a claim?

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How do I make a claim?

Filing a claim is simple. You can do it online or you can give us a call and we will help you.

Filing a claim is simple. You can do it online or you can give us a call and we will help you.

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What proof or kinds of documentation do you need?

We need proof and timing of your job loss or disability. The typical sources of this are a letter of job loss from your employer (they generally provide that to you upon job loss) or a form from...

We need proof and timing of your job loss or disability. The typical sources of this are a letter of job loss from your employer (they generally provide that to you upon job loss) 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). You can submit it online under your account. Alternatively, you can email, mail or call us for help. You may take a picture and we can use that provided we can read all of the information. That picture may be attached to an email to us or uploaded online.

We need proof and timing of your job loss or disability. The typical sources of this are a letter of job loss from your employer (they generally provide that to you upon job loss) 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). You can submit it online under your account. Alternatively, you can email, mail or call us for help. You may take a picture and we can use that provided we can read all of the information. That picture may be attached to an email to us or uploaded online.

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How many days does it take to approve a claim?

It depends on the information submitted by you to prove the claim. We may be able to approve claims as soon as they are filed but in other cases, we may need to talk to your past employer or doctor.

It depends on the information submitted by you to prove the claim. We may be able to approve claims as soon as they are filed but in other cases, we may need to talk to your past employer or doctor.

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Are there any special requirements for union members?

Yes. If you’re a union member who can get jobs through a union hiring hall, you will need to send us proof that you were getting state-approved unemployment benefits on the 31st day after your job loss. That means...

Yes. If you’re a union member who can get jobs through a union hiring hall, you will need to send us proof that you were getting state-approved unemployment benefits on the 31st day after your job loss. That means you will have to wait at least 31 days after your job loss to get a benefit payment.

Yes. If you’re a union member who can get jobs through a union hiring hall, you will need to send us proof that you were getting state-approved unemployment benefits on the 31st day after your job loss. That means you will have to wait at least 31 days after your job loss to get a benefit payment.

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How many days before I get my money?

Claims processing time can vary as it depends on the availability of information. Once we receive all the information we need to approve a claim, we will mail out the benefit payment within 2-5 business days if your claim is approved.

Claims processing time can vary as it depends on the availability of information. Once we receive all the information we need to approve a claim, we will mail out the benefit payment within 2-5 business days if your claim is approved.

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How many claims can I make?

You can make one claim per Policy year for job loss and one claim per Policy year for disability. So you can make two different types of claims in any one Policy year. A Policy year is the 12 month...

You can make one claim per Policy year for job loss and one claim per Policy year for disability. So you can make two different types of claims in any one Policy year. A Policy year is the 12 month period following each Policy anniversary date. You can continue to make claims until you reach the Maximum Lifetime Benefit which is $24,000. When you have received the $24,000 benefit maximum, you cannot make another claim and your coverage will end.

You can make one claim per Policy year for job loss and one claim per Policy year for disability. So you can make two different types of claims in any one Policy year. A Policy year is the 12 month period following each Policy anniversary date. You can continue to make claims until you reach the Maximum Lifetime Benefit which is $24,000. When you have received the $24,000 benefit maximum, you cannot make another claim and your coverage will end.

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How long must I stay in this program after making a claim?

You may cancel coverage anytime, including as soon as you have a claim.

You may cancel coverage anytime, including as soon as you have a claim.

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What if I have a claim and have not paid my last bill?

If you have a valid claim within the 31 days after your premium was due but was still not paid, we will honor the claim. However, we will deduct any premium due from the benefit payment. After 31...

If you have a valid claim within the 31 days after your premium was due but was still not paid, we will honor the claim. However, we will deduct any premium due from the benefit payment. After 31 days, if the premium has still not been paid, coverage will end and no claims occurring after that time will be honored.

If you have a valid claim within the 31 days after your premium was due but was still not paid, we will honor the claim. However, we will deduct any premium due from the benefit payment. After 31 days, if the premium has still not been paid, coverage will end and no claims occurring after that time will be honored.

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What if I forget to make a claim? How late can I claim a benefit?

Please contact us to file a claim late. As long as we can get proper proof of the claim, we will allow you to submit your claim at any time.

Please contact us to file a claim late. As long as we can get proper proof of the claim, we will allow you to submit your claim at any time.

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I got injured and can't go to work - now what?

If your doctor thinks or has said you will be off work for more than 30 days, then go ahead and file a claim. Just send us proof of your doctor's medical opinion you are going to be off work for...

If your doctor thinks or has said you will be off work for more than 30 days, then go ahead and file a claim. Just send us proof of your doctor's medical opinion you are going to be off work for more than 30 days.

If your doctor thinks or has said you will be off work for more than 30 days, then go ahead and file a claim. Just send us proof of your doctor's medical opinion you are going to be off work for more than 30 days.

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I lost my job because I got fired - now what?

If you get fired for poor job performance or for not meeting other employer requirements, you probably won't qualify for a benefit. However, the word "fired" can mean different things to different...

If you get fired for poor job performance or for not meeting other employer requirements, you probably won't qualify for a benefit. However, the word "fired" can mean different things to different people so we tell people to file a claim and tell us what happened. We will help you understand if we can make a benefit payment - and honestly we hope we can because then we were able to help you.

If you get fired for poor job performance or for not meeting other employer requirements, you probably won't qualify for a benefit. However, the word "fired" can mean different things to different people so we tell people to file a claim and tell us what happened. We will help you understand if we can make a benefit payment - and honestly we hope we can because then we were able to help you.

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Is the benefit I receive from SafetyNet taxable?

SafetyNet will issue a 1099 form to all job loss claimants only. A 1099 form is a type of information return that you get if you received certain types of income during the year. Generally, you...

SafetyNet will issue a 1099 form to all job loss claimants only. A 1099 form is a type of information return that you get if you received certain types of income during the year. Generally, you will have to report the information from a 1099 on your tax return. Please consult with your tax specialist to learn more about how this applies to you and your returns. The 1099 form does not apply to disability claims.

SafetyNet will issue a 1099 form to all job loss claimants only. A 1099 form is a type of information return that you get if you received certain types of income during the year. Generally, you will have to report the information from a 1099 on your tax return. Please consult with your tax specialist to learn more about how this applies to you and your returns. The 1099 form does not apply to disability claims.

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General questions about your SafetyNet account

Can I cancel my policy if I want to?

Sure you can, just give us a call and we can help you. If you are willing, we would love to understand why you want to cancel to help us make the product even better. Alternatively, you can do...

Sure you can, just give us a call and we can help you. If you are willing, we would love to understand why you want to cancel to help us make the product even better. Alternatively, you can do this online too.

Sure you can, just give us a call and we can help you. If you are willing, we would love to understand why you want to cancel to help us make the product even better. Alternatively, you can do this online too.

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I forgot my password

You can reset your password online or you may call us at 855-855-9695. Once we validate your identity, we can reset your password.

You can reset your password online or you may call us at 855-855-9695. Once we validate your identity, we can reset your password.

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I forgot my username

Your email address is your username. If you have forgotten the email you used, please call us at 855-855-9695 to retrieve it.

Your email address is your username. If you have forgotten the email you used, please call us at 855-855-9695 to retrieve it.

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Where can I find my policy details?

Your policy is accessible online when you sign into your account You can then print it off if you want to keep a hard copy for your records. You set up your account when you bought coverage. We...

Your policy is accessible online when you sign into your account You can then print it off if you want to keep a hard copy for your records. You set up your account when you bought coverage. We can help you get back in if you forgot how, just call us at 855-855-9695 [NOTE: Consumers who bought coverage over the phone will only have a hard copy of their policy until they set up an account.]

Your policy is accessible online when you sign into your account You can then print it off if you want to keep a hard copy for your records. You set up your account when you bought coverage. We can help you get back in if you forgot how, just call us at 855-855-9695 [NOTE: Consumers who bought coverage over the phone will only have a hard copy of their policy until they set up an account.]

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