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SafetyNet™ is an insurance policy

that pays you in the case of a covered unemployment or disability.

You decide on the level of cash you want, and you can use it for anything you wish - rent, groceries, utilities, whatever you need.

Click below to see a video about our product basics

What does SafetyNet pay?

It pays what's called a "lump sum benefit"

 - a single cash amount paid directly to you. That amount can range from $1,500 - $9,000, depending on what you choose when you buy your policy.

Within a policy year, SafetyNet™ will pay out one lump sum benefit for disability and one lump sum benefit for layoff.

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What do I have to pay?

You pay a premium (payment) each month for this coverage

SafetyNet supplemental unemployment and disability insurance ranges from $5 to $30. Your first payment is not due for 30 days - which is also when you can first file a claim.

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What is covered?

  • Job Loss

    due to layoff, business closing, job elimination, or other employer-initiated separation not specifically excluded

  • Disability

    due to illness or injury that prevents you from working at your job for more than 30 days

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What is not covered?

  • 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 routine downtime 

    for seasonal and other jobs (like construction)

  • Disability due to normal pregnancy,

    alcohol or drug use, or elective surgery

  • Job loss or disability that occurs 

    in the first 30 days of coverage

  • Job loss or disability due to acts of war

    or nuclear or natural disasters

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Does the policy end if I make a claim?

No,

 not as long as you continue to make payments.

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When does the policy end?

  • Your SafetyNet™ is issued for a one-year term.

    The policy is non-renewable:  The policy is issued for a 1-year term.  It will end after 1 year.  It cannot be renewed by you or by us.

  • You may choose

     to end your policy at any time.

  • The policy will Also end if

     the required payment (premium) is not paid, or when the lifetime benefit of $24,000 has been paid to you.

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How do I apply for safetyNet unemployment and disability insurance?

To find out if you qualify for SafetyNet unemployment and disability insurance, please click here to fill out our online application.

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