Frequently Asked Questions

Q. Who is covered?
A. For AD&D and AME: If you join as a single, you are the only person eligible for benefits. If you choose the family membership, you, your spouse and your dependent children under age 26.

For TTD (Disability Income), you only, or if the Plus Spouse option is selected, you and your spouse are covered.

Q. $2500? $5000? $7500? $10,000? What does that mean? Per year? Lifetime?
A. For AD&D and AME, the plan will pay up to $2500, $5000, $7500 or $10,000) per covered person, per accident.

Q. Will this plan pay for an injury in a foreign country?
A. Yes. Coverage applies worldwide.

Q. What is the earliest I can have my membership become effective?
A. The earliest effective date you can get is the 1st of next month.

Q. How do I file a claim?
A. Claims are simple. Call the toll free number listed in your membership kit. The claims staff will take your information, create a file for you and get a claim form out to you in the mail. Remember to save ALL of your bills and receipts. The claims staff will need to see copies of actual bills and invoices.

Q. Do I have to have other insurance in order to have WBA?
A. No. Since the WBA plan covers only accidental injury, we strongly advise that you have other coverage, but it is not required.

Q. I already have health insurance. How does WBA deal with that?
A. The accident medical expense plan will pay for your actual out of pocket expenses, up to $2500, $5000, $7500 or $10,000, subject to the deductible. If your health insurance has a deductible and/or co-insurance provisions, you normally would end up owing those amounts out of your pocket. This insurance is intended to cover the out of pocket portion of the accident medical bills. The benefit WBA pays will be based on the what you actually owe AFTER your primary insurance has completed their claim for your injury.

Accidental Death and Dismemberment and TTD benefits are payable in addition to any other insurance that you have.

Q. Should I file a claim with my regular health insurance?
A. Yes. Always file a claim with your primary plan and with the Plan Administrator. The WBA Plan Administrator will need to see the documentation of how your health insurance company handles the claim.
Q. Is there a time limit for claims?
A. Yes. You must file your initial claim with the WBA carrier within 90 days of the accidental injury, or as soon thereafter as is reasonably possible.

Q. Who gets the money?
A. AME claims payments will be made directly to the medical providers who are owed money. If you have receipts showing that you already paid out of your pocket, the claims payments will be made to you.

TTD claims will be paid directly to you.

Accidental Death benefits are paid to the beneficiary selected. If no beneficiary has been selected, the benefit will be paid to the first surviving party in the following order: a) the Insured Person's spouse or domestic partner; b) in equal shares to the Insured Person's children; c) in equal shares to the Insured Person's parents; d) in equal shares to the Insured Person's brothers and sisters; e) the Insured Person's estate. All other benefits will be paid to the Insured Person or the Insured Person's designee, or unless otherwise noted.

Fine Print

We try to avoid fine print and twisted legal terminology. The few items you will find here are direct and easy to understand.

Benefit Changes
All benefits are subject to revision or change. WBA works with numerous outside vendors who may occasionally make changes to the services offered to members. Any benefit changes will be communicated to existing members as rapidly as possible. WBA will continue to seek better and more effective benefits and services for the membership at the best possible prices. Any new benefits will be made available to all existing members.

Banking and credit cards
WBA currently has contracted with the Comprehensive Insurance Agency, LLC to handle the sales and billing of membership services. That name may appear on your bank or credit card statement if you use any of our automated debit methods to pay your dues.

Refund Policy
WBA offers you a 30 day money back guarantee. If for any reason you decide to cancel your membership within the first 30 days after enrollment or effective date (whichever is later), we will refund your dues, no questions asked.

After the initial guarantee period has passed, refunds will be based on the following 1st day of the month 30 days AFTER your written request to cancel your membership. Cancellation requests must be in writing or via email. The member will be refunded the unused portion, if any, of dues paid in advance.

Please be aware that WBA incurs non-recoverable expenses each time your credit card or bank account is debited or credited. Member dues for the coming month will not be refunded if the electronic transfer has already taken place.

Privacy Policy

Wholesale Benefits Association, Comprehensive Insurance Agency, LLC and any of their subsidiaries or sub-contractors will not release, sell, trade or give any information regarding our customers to any third party. The information that you provide will only be used to process your enrollment and in communicating with you in the future. We will, at times, send you updates, via e-mail and other means, regarding product changes, new benefits and services, as well as new products and special offers.

WBA uses a true Secure Application system to assure the confidentiality of your personal information. For complete details, please visit the Plug'N'Pay web site.