This insurance coverage is provided to all members of Local 2364 as part of the membership benefit package. Together, the two parts of the plan, the Occupational Liability Policy and the Legal Action Trust provide comprehensive liability protection for claims arising out of the professional activities of an insured AFT member. This includes legal defense and court judgments.
- Up to $1,000,000 per member and $3,000,000 per claim involving multiple insureds of protection for compensatory damages for civil actions arising out of bodily injury or death of students while under the supervision of the member. This includes civil corporal punishment claims.
- Up to $1,000,000 of personal injury coverage for libel, slander, defamation of character, violation of the right of privacy or detention, etc.
- Up to $1,000,000 of protection per member for damage to or destruction of the property of others.
- Up to $1,000 in bail bond premiums if required for the defense of a suit.
- Worldwide coverage.
Q. What is the AFT Occupational Liability Plan?
Part 1: The Occupational Liability Policy provides up toe $1,000,000 per member for bodily injury, property damage and personal injury coverage with a $1,000,000 aggregate. The POLICY provides coverage for most of the claims activity involving educational employment activities. A $3,000,000 aggregate applies per claim for an incident involving multiple insureds.
Part 2: The AFT has established a special Legal Action Trust to provide reimbursement protection for other exposures. The TRUST has a $1,000,000 per occurrence limit and an annual aggregate limit of $1,000,000.By combining the POLICY with the TRUST, members receive comprehensive protection.
All individual AFT members in good standing of participating AFT Locals (whose names are on file at AFT National Headquarters) are covered under the AFT Occupational Liability Plan for their educational employment activities. These members may include teachers, student teachers, volunteer teachers, school nurses, librarians, psychologists, physical and occupational therapists, para-professionals and other school support personnel.To obtain the AFT Occupational Liability Plan, the member pays dues to his or her participating AFT Local. In turn, the Local Treasurer sends the member’s premium, name and address to the AFT National Office. Coverage is automatic.If an insured member is threatened with an Occupational Liability suit through an attorney’s letter, lien notice, summons or is otherwise involved in such a case, the member should notify his or her Local Union at once, forwarding all documents. Any delay may prove serious. The Local should then send a written verification of the individual’s membership at the time of the occurrence, along with all documents, to the AFT Plus Group Insurance Administrator: Marsh Affinity Group Services, a service of Seabury & Smith, 1440 Renaissance Drive, Park Ridge, IL 60068-1400.
Q. Are driver training teachers and auto shop vocational teachers protected under this Plan?
Other transportation exposure in vehicles (either publicly or privately owned) is not covered. Auto shop vocational teachers are protected against injuries which occur in the course of regular instruction in the shop provided by a school.
Q. Are criminal cases covered?
1. Up to $35,000 of reimbursement for covered claims arising out of employment activities where the member is completely exonerated.
2. Up to $5,000 of reimbursement where the member is unable to gain complete exoneration of charge.
Q. What if an insured member is assaulted at school?
Q. What if a final judgment is entered against an insured member?
Q. Does the Plan provide protection for members if they are sued for corporal punishment claims?
Q. Does this Plan provide legal expenses for loss of tenure suits, teacher grievance cases, etc?
Q. What are the exclusions or limitations to the Plan?
All benefits (except death benefits) apply when the AFT member has no other insurance available to her or him. If other insurance is available (through a School Board, personal insurance, state statute, etc.), then the AFT Plan provides excess benefits beyond the amount covered by other insurance.
Administered by: Albert H. Wohlers & Co., AFT Group Insurance Plans, 1440 N. Northwest Highway, Park Ridge, IL 60068-1400 1 / 800 / 272-4AFT