Program Details

Money when you need it most

Income Assist® is an insurance program designed to provide assistance for involuntary unemployment and disability. You'll rest easier knowing that you are protected should you lose your job or are unable to perform your normal activities due to a disability. Once your claim is approved, Income Assist® will provide cash benefits that go directly into your pocket to pay bills and other expenses.

You can receive up to $250 per month for up to 12 months for approved claims. For just $17.95 per month, you can ease the stress of the unexpected, pay bills, or use your claim payment any way you see fit—that's real peace of mind during a time of financial uncertainty.

Once approved, you will enjoy fast payment of claims, waiver of premiums while in a benefit approval status, and, most importantly, a reliable source of cash to help you get back on your feet.

Involuntary unemployment* means the total and continuous loss of your non-seasonal, full-time employment resulting from an individual layoff or involuntary termination of employment (not due to willful or criminal misconduct), a mass layoff, a general strike, a unionized labor dispute, or a lockout.

Total disability* means a covered person's inability to perform normal daily activities due to an injury or sickness. The covered person must remain under the regular care of a physician while totally disabled in order to remain eligible for benefits. The total disability must be confirmed by a physician.

* See sample policy form for details and exclusions. Actual policy forms are state specific and some terms may vary.

Simple, straight‑forward, affordable pricing

Monthly Benefit
Maximum Months
Monthly Premium

Fast payments

Our team of experts works with you to process claims quickly, with most checks received 7–10 days after approval.

No premiums in benefit status

Pay no premiums while receiving benefits under the terms of the program.

30-day refund period

Cancel within 30 days of your enrollment effective date and you will receive a full refund of premium paid.

Single coverage only

Income Assist® provides individual coverage only; joint/spouse coverage is not available.

30-day waiting period

You must be involuntarily unemployed or disabled for a minimum of 30 days to be eligible for benefits.

Vesting periods

90-day vesting period for unemployment and disability due to sickness.

How do you measure peace of mind?

Don't let an unexpected event disrupt your life. Get your financial safety net in place today.

Find out how to enroll

Frequently asked questions

Still have questions about Income Assist®? If the following FAQs don't help, please call our Customer Care Center at (866) 453-5616. Our friendly team of representatives can answer any questions you might have and help you enroll today.

Q: What if I am already retired, disabled, or unemployed?

A: Income Assist® may not be appropriate if you are currently retired, disabled, or unemployed. Please read the disclosures carefully and decide if the protection is right for you.

Q: How am I billed?

A: You will be billed monthly via your authorized method for Income Assist® protection. Billing occurs in advance of your monthly coverage period. Should you decide to cancel your enrollment, you will be protected to the next billing date.

Q: How long will it take to receive a benefit payment?

A: Once you return a completed claim form along with any required documentation, the benefit is reviewed, which typically takes five to seven business days. You will get a letter stating whether your benefit request is approved or denied. If any additional details are necessary to process your benefit request, you may be contacted for more information. If approved, you can expect to receive your benefit payment within seven to ten business days from date of approval. Benefit payments will be in the form of a check, sent via the U.S. Postal Service (USPS).

Q: Are there any waiting or vesting periods?

A: You must be involuntarily unemployed or disabled for a minimum of 30 days to be eligible for benefits. You will not be eligible for involuntary unemployment benefits or disability benefits due to sickness that occurred within 90 days of enrollment. Any disability due to injury caused by an accident that occurs after the effective date is eligible for protection after the applicable waiting period is met. There are additional requirements and exclusions that are detailed in your policy/certificate, so please refer to your policy/certificate for details.

Q: What is the definition of a "pre-existing condition?"

A: A pre-existing condition is generally any sickness, injury, or other condition of physical or mental health for which the covered person was hospitalized or received medical treatment during the six-month period prior to the effective date of coverage, which caused, or substantially contributed to, the covered person's disability within six months following the effective date. This definition varies by state, so please refer to your policy/certificate for details.

Q: Am I eligible for benefits after I have terminated the coverage?

A: Any date of loss originating prior to your Income Assist® termination date may be eligible, subject to all other terms and conditions.

Q: What proof is required for a claim?

A: The first step is to contact the Income Assist® Customer Care Center at (866) 453-5616. One of our representatives will collect information from you to initiate a claim and provide guidance as to what proof will be required. A claim form will then be sent to you with instructions. Once you return the claim form, along with any required documentation, we will process your request.

Q: Will I have to report any benefits I receive with the IRS?

A: If you receive $600 or more of unemployment benefits in a calendar year, you will receive an IRS Form 1099 in the mail. You will not receive a Form 1099 for disability benefits. The Income Assist® program administrator and underwriter do not provide tax advice. Please consult your tax advisor for more information.

For more information about Income Assist® please review the sample policy form. Actual policy forms are state specific and some terms may vary.