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, Involuntary Unemployment and SALARYGAP® 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, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maryland, Maine, Michigan, Missouri, Mississippi, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, and Wyoming.

Wage Protector is not available in the states of Alaska, Hawaii, Indiana, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, 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.

Yes, the Lifetime Aggregate Maximum Benefit is the total of all Disability, Involuntary Unemployment and SALARYGAP benefits paid over the life of a policy. The Lifetime Aggregate Maximum Benefit means you can only collect up to $22,500 in benefits over the life of a policy if you choose a 3 month benefit period, $45,000 in benefits over the life of a policy if you choose a 6 month benefit period, or $90,000 if you choose a 12 month benefit period.

If you are eligible, your benefits will be paid while you are disabled up to 3, 6 or 12 months, depending upon the benefit period you choose.

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.

Only one (1) claim for Disability or Involuntary Unemployment or SALARYGAP will be payable at any one time for the largest of the benefits available for which you are insured.

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.

If you are an employee: You are eligible for Involuntary Unemployment coverage if you have worked at least 30 hours per week for at least 90 days prior to commencement of coverage and have not received a verbal or written notice of impending termination of employment, general notice of company downsizing/layoffs, impending/threatened strikes/lockout or other forms of work stoppage. For Involuntary Unemployment benefits, you must be receiving state unemployment benefits; your involuntary unemployment can’t be because of your voluntary resignation or retirement or termination by your employer for misconduct. You must be insured for 90 days before involuntary unemployment occurs in order to have a qualifying event for benefits.

If you are an independent contractor or self-employed: You are eligible for Involuntary Unemployment coverage if you have worked at least 30 hours per week for at least 365 days prior to commencement of coverage and have not received a verbal or written notice of impending termination of employment, general notice of company downsizing/layoffs, impending/threatened strikes/lockout or other forms of work stoppage. For Involuntary Unemployment benefits, you must be receiving state unemployment benefits; your involuntary unemployment can’t be because of your voluntary resignation or retirement or termination by your employer for misconduct. You must be insured for 180 days before involuntary unemployment occurs in order to have a qualifying event for benefits.

If you are an employee: It is a total loss of salary or wages from layoff or termination by Your employer; strike or lockout; or an interruption of work caused by a natural disaster. Except for termination of employment, the cause(s) for involuntary unemployment must last at least 30 days (waiting period).

If you are an independent contractor or self-employed: It is at least an 80% loss in your average monthly income from layoff; strike or lockout; an interruption of work caused by a natural disaster; total involuntary loss of your business interest; or involuntary bankruptcy. Except for involuntary loss of business interest or bankruptcy, the cause(s) for involuntary unemployment must last at least 30 days (waiting period).

If you are an employee: After involuntary unemployment occurs, there is a 30-day Waiting Period before benefits are payable and are retroactive; benefits will be calculated starting on the 1st day of involuntary unemployment. Also, you must be receiving state unemployment benefits. Involuntary Unemployment benefits are payable for up to 3, 6 or 12 months (depending upon the benefit period you choose), or the date you are re-employed, whichever occurs first.

If you are an independent contractor or self-employed: After involuntary unemployment occurs, there is a 30-day Waiting Period before benefits are payable and are non-retroactive; benefits will be calculated starting on the 31st day of involuntary unemployment. Involuntary Unemployment benefits are payable for up to 3, 6 or 12 months (depending upon the benefit period you choose), or the date you are re-employed, whichever occurs first.

You choose your benefit amount at enrollment. The Involuntary Unemployment benefit amount is the same as your Disability benefit amount.

If you are an employee: Your monthly benefit amount payable for Involuntary Unemployment will be the benefit amount you selected per month or 60% of your monthly salary, whichever is less, and will be reduced by all sources of unemployment benefits received so that the total of all benefits you are receiving do not exceed your salary immediately prior to becoming involuntarily unemployed.

If you are an independent contractor or self-employed: Your monthly benefit amount payable for Involuntary Unemployment will be the benefit amount you selected per month or 60% of your average monthly income, whichever is less, and may be reduced by any sources of unemployment benefits received so that the total of all benefits you are receiving do not exceed your average monthly income immediately prior to becoming involuntarily unemployed.

A Lifetime Aggregate Maximum Benefit also applies.

Yes, the Lifetime Aggregate Maximum Benefit is the total of all Disability, Involuntary Unemployment and SALARYGAP benefits paid over the life of a policy. The Lifetime Aggregate Maximum Benefit means you can only collect up to $22,500 in benefits over the life of a policy if you choose a 3 month benefit period, $45,000 in benefits over the life of a policy if you choose a 6 month benefit period, or $90,000 if you choose a 12 month benefit period.

You must be working for at least the first 90 days if you are an employee or 180 days if you are an independent contractor or self-employed from the policy effective date. If you become involuntarily unemployed before that, no benefits will be paid.

No. This product is intended to cover unexpected lapses in employment that are beyond your control (for example, you get laid off or there is a strike). If you choose to leave your job voluntarily, no benefits will be paid. 

Benefits are not paid for Involuntary Unemployment that occurs in the first 90 days if you are an employee or 180 days if you are an independent contractor or self-employed. During the first 90 days if you are an employee or 180 days if you are an independent contractor or self-employed, at your option following the denial of a claim, the Involuntary Unemployment benefit can be cancelled and we will refund that portion of the premium paid.

Only one (1) claim for Involuntary Unemployment or Disability or SALARYGAP will be payable at any one time for the largest of the benefits available for which you are insured.

• For seasonal workers.
• For periods of involuntary unemployment during the 90-day vesting period if you are an employee; or 180-day vesting period if you are an independent contractor or self-employed.
• For a voluntary forfeiture of salary, wages, employment income or independent contracting income.
• For a voluntary resignation or retirement or divestiture of business interest.
• Due to the contractual expiration of an employment or engagement contract.
• If an independent contractor or self-employed person, voluntary resignation or retirement.
• Due to termination as a result of cause or willful misconduct, excessive absenteeism or tardiness, or criminal misconduct; resulting directly or indirectly from any dishonest, fraudulent or criminal act; due to a circumstance known by you prior to the policy effective date.
• Due to war or any act of war (declared or undeclared).

If you are an employee: You are eligible for SALARYGAP coverage if you have worked at least 30 hours per week for at least 90 days prior to commencement of coverage and have not received a verbal or written notice of impending termination of employment, general notice of company downsizing/layoffs, impending/threatened strikes/lockout or other forms of work stoppage. For SALARYGAP benefits, you must be re-employed within 12 months following an involuntary unemployment and have at least a 20% loss of income. You must be insured for 90 days before a salary gap occurs in order to have a qualifying event for benefits.

If you are an independent contractor or self-employed: You are eligible for SALARYGAP coverage if you have worked at least 30 hours per week for at least 365 days prior to commencement of coverage and have not received a verbal or written notice of impending termination of employment, general notice of company downsizing/layoffs, impending/threatened strikes/lockout or other forms of work stoppage. For SALARYGAP benefits, you must be re-employed within 6 months following an involuntary unemployment and have at least a 20% loss of income. You must be insured for 180 days before a salary gap occurs in order to have a qualifying event for benefits.

After being involuntarily unemployed, you may find yourself with less income if you accept employment at a lower salary. SALARYGAP can replace a portion of your reduction in salary to help prevent unpaid bills and maintain your lifestyle.  Certain requirements and exclusions apply.

If you are an employee: You must be employed for at least 90 days following your policy effective date (called “the Vesting Period”) and then become Involuntarily Unemployed for at least 30 days. If you find new employment within 12 months of becoming involuntarily unemployed, but your new salary is at least 20% less than your salary prior to becoming involuntarily unemployed, you have a “Salary Gap”. After you’ve been employed in your new position for at least 90 days, you can then file a claim for SALARYGAP benefits. Note that your new employment must be at least 30 hours of work per week. SALARYGAP benefits are payable retroactive to the date the salary gap occurred.

If you are an independent contractor or self-employed: You must be employed for at least 180 days following your policy effective date (called Vesting Period) and then become Involuntarily Unemployed for at least 30 days. If you find new employment within 6 months of becoming involuntarily unemployed, but your new average monthly income is at least 20% less than your average monthly income prior to becoming involuntarily unemployed, you have a “Salary Gap”. After you’ve been employed in your new position for at least 90 days, you can then file a claim for SALARYGAP benefits. Note that your new employment must be at least 30 hours of work per week. SALARYGAP benefits are payable retroactive to the date the salary gap occurred.

The SALARYGAP benefit amount is the same as your disability benefit amount.

If you are an employee: Your benefit amount payable for SALARYGAP will be the SALARYGAP benefit amount per month or 60% of your monthly salary, whichever is lower, and will be reduced by salary or wages from your new employment and any residual unemployment benefits received so that the total of all benefits you are receiving do not exceed your salary immediately prior to becoming involuntarily unemployed. The benefit may be further reduced to ensure that your new salary plus the SALARYGAP benefit does not exceed your prior salary. A Lifetime Aggregate Maximum Benefit also applies.

If you are an independent contractor or self-employed: Your benefit amount payable for SALARYGAP will be the SALARYGAP benefit amount per month or 60% of your average monthly income, whichever is lower, and will be reduced by salary or wages from your new employment and any residual unemployment benefits received so that the total of all benefits you are receiving do not exceed your income immediately prior to becoming involuntarily unemployed. The benefit may be further reduced to ensure that your new salary or income plus the SALARYGAP benefit does not exceed your prior income. A Lifetime Aggregate Maximum Benefit also applies.

Yes, the Lifetime Aggregate Maximum Benefit is the total of all Disability, Involuntary Unemployment and SALARYGAP benefits paid over the life of a policy. The Lifetime Aggregate Maximum Benefit means you can only collect up to $22,500 in benefits over the life of a policy if you choose a 3 month benefit period, $45,000 in benefits over the life of a policy if you choose a 6 month benefit period, or $90,000 if you choose a 12 month benefit period.

Yes, the SALARYGAP benefit of Wage Protector is intended to help with this situation if the requirements outlined above are met. Some occupations that were previously thought to be high paying and stable are now being outsourced or replaced with artificial intelligence. For many, this may mean a change in occupation before they are able to retire. And a change in occupation could mean a reduction in salary, at least for a while. Wage Protector and its SALARYGAP benefit can help you pay your bills while you go through a transition period.

You need to be re-employed at a lower salary within 12 months as an employee or within 6 months as an independent contractor or self-employed person of becoming Involuntarily Unemployed and working in your new job for at least 30 hours per week for at least 90 days.

Benefits will not be paid. This product is intended to cover the most critical period for a salary gap situation at a competitive price. For these reasons, benefits will only be paid if you are re-employed within 12 months as an employee or 6 months as an independent contractor or a self-employed person.

If you are re-employed at a lower salary within 12 months as an employee or within 6 months as an independent contractor or a self-employed person of becoming Involuntarily Unemployed and working in your new job or as an independent contractor or a self-employed for at least 30 hours per week and meet the other requirements, you are eligible for SALARYGAP benefits.

Only one (1) claim for SALARYGAP or Disability or Involuntary Unemployment will be payable at any one time for the largest of the benefits available for which you are insured.

SALARYGAP benefits are not payable:

• for seasonal workers.
• for periods of involuntary unemployment during the 90-day vesting period if you are an employee; or 180 day vesting period if you are an independent contractor or aself-employed person.
• for a voluntary forfeiture of salary, wages employment income or independent contracting income.
• for a voluntary resignation, retirement, or divestiture of business interest.
• due to the contractual expiration of an employment or engagement contract.
• due to termination as a result of cause or willful misconduct, excessive absenteeism or tardiness, or criminal misconduct; resulting directly or indirectly from any dishonest, fraudulent or criminal act; due to a circumstance known by You prior to the policy effective date.
• due to war or any act of war (declared or undeclared).

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. 

Wage Protector coverage has no impact on the unemployment benefits you receive from the state. However, Wage Protector benefits may be reduced so that the total benefits you receive from Wage Protector and any other source do not exceed your salary prior to becoming involuntarily unemployed.

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.

For an employee: You can make a claim for any covered Job Loss or Salary Gap that occurs more than 90 days after your Wage Protector purchase. Job loss or salary gap that occurs in the first 90 days of purchase or any time prior to purchase are not covered.

For an independent contractor or self-employed: You can make a claim for any covered Job Loss or Salary Gap that occurs more than 180 days after your Wage Protector purchase. Job loss or salary gap that occurs in the first 180 days of purchase or any time prior to purchase are not covered.

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 job loss or disability. The typical sources of this are a letter of your involuntary unemployment/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).

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); for an involuntary employment claim, we’ll need information from you, from your prior employer, and from any state or private agency paying unemployment benefits. 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 can make claims for disability, involuntary unemployment or a salary gap as they occur. However, note that only 1 claim is payable at a time; for example, if you suffer both a disability and an involuntary unemployment event, we will only pay benefits for one of them – whichever provides the larger benefit. You can continue to make claims until you reach the Lifetime Aggregate Maximum Benefit. When you have received the Lifetime Aggregate Maximum Benefit, you cannot make another claim and your coverage will end.

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.

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 suggest that you file a claim and tell us what happened. We will review to determine if you have a valid claim under the policy and whether or not a benefit would be payable.

Wage Protector 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.