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DreamKeeper - Mortgage Payment Relief Program

Program Summary Definitions


ACCIDENT means specific unexpected, unforeseen events for which a time and place or occurrence can be identified which results in bodily Injury or Loss sustained by a Covered Person while this Certificate is in force. Bodily Injury or Loss must be independent of disease or bodily infirmity.

BENEFIT PERIOD means the period of consecutive days of Loss for which a benefit is payable. Benefits will begin on the 1 st day of the Loss after the Elimination Period has been satisfied. The Benefit Period will stop on the earliest of: 1) the date the Covered Person is no longer incurring the Loss; or 2) when benefits are paid for the Maximum Benefit Period shown on the DreamKeeper Program Overview. The same continuous Loss is not eligible for more than one Benefit Period.

ELIMINATION PERIOD means a period of consecutive days for which no benefit is payable. The Elimination Period is shown on the DreamKeeper Program Overview and begins on the first day of the Loss. Benefits are payable beginning on the first day after the elimination period is satisfied.

INJURY means bodily injury caused by an Accident occurring while the insurance is in force resulting in a Loss directly and independently of all other causes; and within 365 days after the date of the Accident.

NONCONTRIBUTORY PERIOD means a period of consecutive months from the Effective Date of this Certificate during which the Group Policyholder provides coverage. The Noncontributory Period for each Coverage is shown on the DreamKeeper Program Overview. After the Noncontributory Period, the Covered Person may elect to renew coverage or change coverage by contacting AHAA and completing a change request form; however, the date the renewal or changes go into effect will be considered a new Certificate Effective Date for purposes of applying coverage exclusions.

REQUALIFICATION PERIOD means a period of consecutive months which must elapse between the end of one Benefit Period and the beginning of another Benefit Period before being eligible to file a new claim for Loss for the same type of coverage. The same continuous Loss is not eligible for more than one benefit period. The Requalification Period for each Coverage is shown on the DreamKeeper Program Overview.

SICKNESS means sickness or disease diagnosed or treated for after the Effective Date and while this Certificate is in force.

TOTAL DISABILITY means, as the result of an Injury or Sickness, the inability to perform the material and substantial duties of any occupation reasonably fitted by education, training or experience.

UNEMPLOYMENT means total and continuous loss of full-time Employment as a result of:

(1) a permanent involuntary termination of employment; or

(2) an involuntary layoff or suspension of employment; or

(3) an authorized, unionized strike or labor dispute by a chartered or previously organized trade or labor union; or

(4) a lockout, discharge of employees or temporary closing of business in response to organized employee activity; or

(5) a state or federally declared disaster caused by a geological or weather-related natural event.

VESTING PERIOD means a period of consecutive months from the Effective Date of this Certificate of Insurance during which You are not eligible to file a claim or receive Benefits even if a Loss occurs. The Vesting Period, if any, for each Coverage is shown on the Schedule of Insurance.