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​Vocational and Rehabilitation Training Participant Accident

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Click on the link below to open our PDF application. It's easy to complete and return using the instructions on the application.

Vocational and Rehabilitation Training Application​


Vocational and Rehabilitation Training - Group Accident Medical

Learning a skill or being retrained can be an exciting step to a brighter future. But sometimes accidents can happen at a training facility.
That's why we offer GrouProtectorSM group accident medical insurance - to give you peace of mind and help you keep the focus on the 
task at hand.

Our policy provides medical expense benefits as well as death and specific loss benefits to technical school, joint vocational school or
government retraining program participants This means if the insured has medical expenses due to an accident, we will pay covered expenses up to benefit maximum.

Two types of plans help you choose the best coverage for your group:


Primary (first-to-pay) medical plan

-Ideal for groups with participants generally not covered by other insurance    
-Typically the first plan to pay claims after a covered event 
-Pays covered expenses regardless of other insurance coverage 
-Payments from other insurance coverage may be reduced in coordination with policy benefit limits 

Excess (next-to-pay) medical plan

-Ideal for groups with participants generally covered by other insurance    
-Typically the last plan to pay claims after a covered event 
-Will not pay covered expenses to the extent paid by other insurance coverage
-Essentially pays for other plans' deductibles and coinsurance
​-​Also pays remaining expenses after benefits are exhausted from other plans

Depending on coverage levels, availability of primary and excess plan can vary. Deductibles for excess coverage must be paid out-of-pocket and cannot be paid for by other insurance plans.

Covered members

- Participants only       
​- Participants and staff


Covered activities

-All program sponsored and supervised activities are covered                                          
 - Direct travel to and from these activities is also covered 
​-League sports and snow skiing are excluded. 


Benefit Amounts 
Covered expenses are paid, up to the maximum benefit amount, starting within 90 days of an accident causing an injury and up to 3 years
after it.  Benefits available include:​
-​No deductible
​-$5,000 to $50,000 Medical Expense Benefit​ 
​-$1,000 to $7,500 Accidental Death Benefit​ 
​-​$5,000 to $15,000 Specific Loss