• Full payment must be sent with your application.
• Coverage is in effect the date we approve your application, OR from the coverage date you requested in the application, whichever is latest.
• Premiums for the period of coverage must be paid in full when you apply.
• Coverage automatically expires on December 31 of each year, or on the date specified on the application, whichever is earliest. 
  • If you are injured at work, you must submit proof of your earnings when you submit a claim for lost-time benefits. Your benefits will be based on your actual earnings lost, but cannot exceed the amount of coverage you requested and cannot be more or less than the minimum or the maximum compensable earnings specified by the Act. For example, in 2012:
    • The maximum coverage is $52,885.00 per year or $144.89 per day.
    • The minimum coverage is $12,001.20 per year or $32.88 per day.
    • The maximum period of coverage is January 1 to December 31.
    • The minimum period of coverage is 28 days.
    • There is a non-refundable minimum assessment of $50.

For inquiries or assistance on applying for new coverage, please call (709) 778-1291 or to renew existing coverage please, call (709) 778-1140.  You can also call toll free 1-800-563-9000.