Customers need to be made aware that an individual is only eligible to apply for loss of employment coverage if that individual has been actively working 20 hours per week for 12 consecutive months (without any break between jobs). 

Additionally, they are not eligible to apply if they are self-employed, a seasonal employee or an elected government official. 

We recommend you take the following steps when discussing LOE coverage for the Carefree Plan: 

1. Proactively ask the customer for his/her current employment status. 

2. Ask the customer the LOE eligibility question – “Has each applicant applying for coverage been working 20 hours per week for 12 consecutive months. If an applicant says “no”, then LOE coverage cannot be sold to them. An applicant must say “yes” for LOE coverage in order for them to be sold this particular coverage option. 

3. The dealer Business Manager must click the check box in the HUB confirming that the customer is eligible to receive this coverage at the point of sale