Anyone less than 66 years of age working for wages with a minimum of 25 hours per week.

What qualifies as Total Disability with Credit Disability Insurance?

During the first 12 consecutive months of disability, Total Disability means that you are:

1. not able to perform the principal duties of your occupation because of a medically determined sickness or accidental bodily injury, and
2. are under the regular care and treatment of a physician, and
3. are not engaged in any occupation or activity for substantially equal compensation.  After the first 12 months of Total Disability, the definition changes and also means that you are unable to perform the principal duties of any occupation for which you are reasonably qualified by education, training or experience.  You will be required to give proof of your continuing Total Disability from time to time.

What if my Total Disability recurs?

If your Total Disability recurs within seven (7) days after you have recovered from that period of Total Disability, your disability will be considered a continuation of that period of Total Disability.  However, if your Total Disability recurs more than (7) days after you have recovered, your disability will be considered a new period of Total Disability.

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How do I file a Total Disability claim?

To file a Total Disability claim, you can call the Credit Union when you have been totally disabled for more than 30 days.  The Credit Union will file your initial request for benefits.

You will be required to provide proof of disability.  Proof of disability must show the date and the cause of the Total Disability and how serious it is, and it must be signed by a physician or a chiropractor.

What disabilities are not covered?

We will not pay a claim for any advance on a loan or return you disability insurance premium if your Total Disability:

1. begins within six (6) months after the Effective Date of insurance on the advance and results from any disease or bodily injury for which you received medical advice, diagnosis or treatment at any time with the six (6) month period immediately preceding the Effective Date of insurance on the advance; or
2. is a result of normal pregnancy.

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When does Credit Disability Insurance stop?

This insurance automatically stops:

1. on the last day of the month in which we receive your written request to stop the insurance; or if earlier,
2. on the last day of the month in which you withdraw you authorization for the addition of charges for the insurance to your loan; or
3. on the last day of the month during which you reach the Maximum Age for Insurance; or
4. on the date your loan stops; or
5. on the last day of the month in which you are three (30 months delinquent in any payment on you loan; or
6. on the date the Group Policy stops; or
7. when the balance of your loan has been paid by a lump sum disability benefit under a credit life insurance policy; or
8. on the date of your death; or
9. on the date your loan is transferred to a creditor other than the Credit Union.

Will I receive monthly disability checks after filing a claim?

No, benefits are paid to the Credit Union to pay off or reduce your loan balance.  Over payments will be added to your Regular Share Account.

What is GAPP insurance?

In the event your vehicle is deemed a total loss due to an accident or theft, your auto insurance policy will usually only cover the actual cash value or market value of your vehicle less a deductible.  This settlement could be several thousand dollars less than the amount owed to your lender or leasing company.  The final result is a financial “gap” where you must pay the difference.  When you have GAPP insurance, this financial "gap" is covered.

How do I file a GAPP claim?

When your covered vehicle has been deemed a total loss, constructive total loss, or an unrecovered theft, you may call the Credit Union at 800-245-8112 to file a claim.

You must provide:

1. copy of the insurance settlement,
2. verification of the insurance deductible,
3. copy of the police report in the case of an unrecovered theft.

Is the GAPP fee refundable?

GAPP Insurance may be canceled for a full refund within sixty (60) days of the Origination Date.  However, in the event of a Total Loss, Constructive Total Loss, or Unrecovered Theft of the coved Vehicle, the GAPP fee will be deemed as fully earned and therefore, no refund will be due.  The fee is non-refundable after sixty (60) days from the Origination Date.

Is there Free Loan Life Insurance on all loans?

Up to $50,000 of Credit Life Insurance is applied to all aggregate loans except First Mortgage Loans for members working a minimum of 20 hours per week through the age
of 65.  Free Loan Life Insurance is only available for the primary borrower.

How do I file a Loan Life Insurance claim?

All claims are filed by the Credit Union.  You must supply a copy of the death certificate as proof of claim.

Is the Extended Warranty cost refundable?

Yes.  Costs are refundable based upon a ratio of miles driven and time elapsed since the policy was originally purchased.

How do I file a claim on an Extended Warranty?

Notify the Administrator of your Policy/Agreement as soon as possible at the following toll-free number: 1-888-723-3202.  Authorization must be obtained from the Administrator prior to beginning any repairs covered by your Policy/Agreement.