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Protect your Purchase

White Glove Installation

Haul Away

Credit Insurance General Information Guide

Insurance Fax Number: (855) 593-5465

Insurance Email: connsinsurance@conns.com

Customers may contact the Conn’s Insurance Department at 1-866-892-8719.

Customers have the option to purchase Credit Insurance coverage offered by Conn’s. Customers are required to have Property Insurance covering the products they purchase from Conn’s and financed by Conn’s. Customers can purchase Credit Property Insurance offered by Conn’s OR provide proof of homeowners/renters insurance at the time of purchase. If any Credit Insurance is purchased through Conn’s, all of the insurance premiums are included in the monthly loan payment amount. Coverage is underwritten by one or more underwriting companies who operate under the trademark Assurant Solutions. These companies are identified in your coverage documents. This is a brief summary of coverage offered by Conn’s, please make sure to read your coverage documents for a complete description of coverage, limits and exclusions.

Credit Property Insurance: Covers financed merchandise that is damaged or lost as a result of various events, which may include: burglary and/or theft, fire, and flood. Please review all eligibility criteria, limits and exclusions which can be found in your coverage documents.

To file a Credit Property Insurance Claim, Customer must provide:

  • Fire Claim: Full fire report and Property Claim Form
  • Theft Claim: Full police report and Property Claim Form
  • Flood Claim: Full FEMA report, customer statement of events, pictures and Property Claim Form

Single Credit Disability Insurance: Covers part or all of the insured debtor’s monthly loan payment amount in the event the insured debtor becomes disabled. Please review all eligibility criteria, limits and exclusions which can be found in your coverage documents.

To file a Credit Disability Insurance Claim, Customer must provide: Disability Claim form completed by customer, doctor and employer.

Single Credit Unemployment Insurance: Covers part or all of the insured debtor’s monthly loan payment amount in the event the insured debtor is involuntarily unemployed. Please review all eligibility criteria, limits and exclusions which can be found in your coverage documents.

To file a Credit Unemployment Insurance Claim, Customer must provide: Unemployment Claim Form completed by customer and employer. If the customer has a termination or layoff letter from the company, he/she can attach the letter. Customer is also required to attach the state determination letter and summary of benefits or proof of registration and ongoing proof of unemployment from a source other than the customer.

Credit Life InsuranceCovers part or all of the insured debtor’s outstanding loan balance in the event of the insured’s death. Please review all eligibility criteria, limits and exclusions which can be found in your coverage documents.

To file a Credit Life Insurance Claim, Claimant must provide: Copy of the death certificate with the cause and manner of death listed. 

Cancellation of Insurance: Within 30 days of the purchase date, the customer can cancel the insurance coverages for a FULL credit to the Conn’s account (see Details below). For Property Insurance, a cancellation request will be honored if the customer provides proof of homeowners/renters insurance.

If cancellation is requested more than 30 days after the purchase date and before the account is paid in full or the insurance expires, the cancellation credit will be prorated. Cancellation of property insurance will require proof of homeowners/renters insurance.

Details: To request a cancellation, you may contact the Conn’s Insurance department at 1-866-892-8719 or by email at connsinsurance@conns.comCredit Insurance Cancellation Form

Claim Forms (if your purchase occurred in the states of TX, LA, AL, AZ, TN, GA, VA, and NC, please see below):

All insurance claims must be properly documented and provided to Conn’s Insurance Department. Once claim forms are completed, the customer can fax, email, or mail to Conn’s Insurance Department, who will send to Assurant Solutions via secure website. Availability of claim forms:

  1. Customer can call Assurant at (800) 327-5288 (Spanish is available)
  2. Customer can print on-line at Credit Property Form, Credit Disability Form, Credit Death Form, and Credit Unemployment Form, or www.assurantsolutions.com
  3. Customer can pick up at any Conn's HomePlus® store

Claim Forms (if your purchase occurred after the date of 3/2/17 in the states of CO, FL, NM, NV, OK, MS, and SC, please see below):

All insurance claims must be properly documented and provided to Conn’s Insurance Department. Once claim forms are completed, the customer can fax, email, or mail to Conn’s Insurance Department, who will send to Fortegra via secure website. Availability of claim forms:

  1. Customer can call Conn's customer service at (877) 358-1252.
  2. Customer can print on-line at Credit Property Form, Credit Disability Form, Credit Death Form, and Credit Unemployment Form
  3. Customer can pick up at any Conn's HomePlus® store

Payment Protection Plan – FAQs

Q: Am I required to purchase property coverage through Conn’s?

A: No. As a condition of the loan, you are required to insure the property; however, you may purchase insurance from any company authorized to sell insurance in this state. You may also use existing property insurance policies you already possess to satisfy this requirement of your loan.

Q: Can I cancel at any time?

A: Yes, you may cancel, in writing, at any time. If cancelled within the first thirty days, you will receive a 100% refund. If cancelled after thirty days, the refund is determined in accordance with the insurance certificate.

Q: Can I purchase at a later date?

A: No, the insurance is elected at time of purchase and is part of the amount financed.

Q: Is there a deductible?

A: No

Q: When do the coverages end?

A: At the earlier of the death of the insured, written cancellation, when your account balance is paid off or the expiration of the original term of the insurance.

Q: Is there a limit to the number of claims I may file for property insurance?

A: Number of claims could be limited by the total coverage amounts if each covered product was a total loss.

Q: Is there a limit to the number of claims I may file for involuntary unemployment?

A: You can file multiple claims during the term of the loan for each thirty-day period of consecutive unemployment. The total of benefits available is based on the term of your insurance certificate.

Q: May I purchase disability coverage by itself?

A: No. In order to purchase disability, you must also purchase credit life insurance.

Q: Is joint coverage available for disability and involuntary unemployment?

A: No. Joint coverage is only available for life insurance.

Q: If my exact product is not available at time of claim how is replacement value determined?

A: The claim benefit will be based on the lesser of the cost to repair, the replacement cost of the item on the date of loss, or the original amount of insurance.

Q: Must the property be located at address of record on the account at the time of a claim?

A: No.

Q: Must I be on state unemployment to obtain unemployment benefits?

A: Yes, you must also be registered with an employment agency if the loss occurred by layoff or employer termination.

Q: Will unemployment benefits apply to self-employed individuals?

A: No.

Q: Do I have to get a police report if property is stolen?

A: Yes.

Q: Does the property insurance duplicate other coverages?

A: Property insurance may duplicate coverage provided by your existing homeowners, renters, or other insurance.

Q: How is it determined if the property will be repaired or replaced?

A: Benefit is based on the lesser of: cost to repair, replacement cost of the property, or original amount of insurance.

Q: Is the property covered while in transit after purchase or during a move?

A: Yes, if loss occurs due to a covered peril, based on the terms of your insurance certificate. 

Payment Protection Plan – Coverage Summary

Please select your state of residence below for specific coverage details:

Coverage Summary – Alabama

Life

Pays your covered account balance in the event of borrower’s death.

  • Pays the coverage account balance
  • Eligible up to age 65 on the effective date of coverate
  • Benefit up to $20,000

Disability

Pays a monthly benefit toward your debt if you become disabled as a result of a qualifying disability.

  • Eligible up to age 65 on the effective date of coverage
  • Benefits begin after 14 consecutive days of disability
  • Benefits paid retroactively to first day of disability
  • Benefit up to $500 per month

Property

Protects financed property (collateral) from natural disasters and other covered perils.

  • Benefit up to $20,000 for repair or replacement of property
  • Covered perils include fire or lightning, windstorm, hail, and theft

Unemployment

Pays a monthly benefit toward your debt if you become involuntarily unemployed. 

  • Benefits begin after 30 consecutive days of unemployment
  • Benefits paid retroactively to first day of involuntary unemployment
  • Benefit up to $750 per month. Maximum benefits payable up to 12 months
  • Must be working for salary or wages for at least 30 hours a week for 12 consecutive months
  • Must not be self-employed and work in a non-seasonal occupation and for the same employer, for at least 90 days on the effective date, in order to be eligible for this insurance
  • Coverage available on loan terms of 12 months and greater

Coverage Summary – Arizona

Life 

Pays your covered account balance in the event of borrower’s death.

  • Pays the coverage account balance
  • Eligible up to age 69 on the effective date of coverage
  • Benefit up to $20,000

Disability

Pays a monthly benefit toward your debt if you become disabled as a result of a qualifying disability. 

  • Eligible up to age 64 on the effective date of coverage
  • Benefits begin after 14 consecutive days of disability
  • Benefits paid retroactively to first day of disability
  • Benefit up to $500 per month; total benefits payable are based on the loan term

Property

Protects financed property (collateral) from natural disasters and other covered perils. 

  • Benefit up to $20,000 for repair or replacement of property
  • Covered perils include flood, fire or lightning, windstorm, hail, and theft

Unemployment

Pays a monthly benefit toward your debt if you become involuntarily unemployed. 

  • Benefits begin after 30 consecutive days of unemployment
  • Benefits paid retroactively to first day of involuntary unemployment
  • Benefit up to $750 per month
  • Must have been gainfully employed for a period of at least six consecutive months prior to the effective date of coverage

Coverage Summary – Colorado

Life

Pays your covered account balance in the event of borrower’s death.

  • Eligible up to age 70 on the effective date of coverage
  • Both primary borrower and co-borrower are eligible
  • Benefit up to $20,000

Disability

Pays a monthly benefit toward your debt if you become disabled as a result of a qualifying disability.

  • Eligible up to age 65 on the effective date of coverage
  • Benefits begin after 14 consecutive days of disability
  • Only primary borrower is eligible
  • Benefits paid retroactively to first day of disability
  • Benefit up to $500 per month

Property

Protects financed property (collateral) from natural disasters and other covered perils.

  • Also provides rental expense and additional living expense reimbursement for qualifying events
  • Benefit up to $20,000 for repair or replacement of property

Unemployment

Pays a monthly benefit toward your debt if you become involuntarily unemployed. 

  • Must be working for salary or wages
  • Must be currently employed and working at least 30 hours a week
  • Benefits begin after 30 consecutive days of unemployment
  • Benefits paid retroactively to first day of involuntary unemployment
  • Benefit up to $750 per month
  • Must have been gainfully employed for a period of at least six consecutive months prior to the effective date of coverage 

Coverage Summary – Florida

Life

Pays a covered balance in the event of insured borrower’s death. 

  • Eligible up to age 70 on the effective date of coverage
  • Both primary borrower and co-borrower are eligible for coverage
  • Maximum benefit up to $20,000 

Disability 

Pays a monthly benefit towards insured debt if they become disabled(illness or injury) and are under the care of a doctor.

  • Eligible up to age 65 on the effective date of coverage
  • Benefit becomes payable after 14 consecutive days of disability
  • Only primary borrower is eligible
  • Benefits paid retroactively to first day of disability
  • Must be currently employed and working at least 30 hours a week.
  • Maximum benefit up to $500 per month.
  • Disability coverage must be sold with life coverage.

Property

Protects financed property (collateral) agaibst natural disasters and other covered perils. 

  • Benefit up to maximum of $20,000 for repair or replacement of financed property

Involuntary Unemployment Insurance

Pays a monthly benefit toward insured's debt if they become involuntarily unemployed due to a non-seasonal layoff, employer termination or lockout. 

  • Must be working at least 30 hours a week
  • Must not be self-employed, a seasonal worker or an independent contractor
  • Only primary borrower is eligible for coverage.
  • Benefit becomes payable after 30 consecutive days of involuntary unemployment
  • Benefit paid retroactively to first day of involuntary unemployment
  • Maximum benefit up to $1000.00 per month
  • No Maximum age requirements.

Coverage Summary – Georgia

Life

Pays your covered account balance in the event of borrower’s death.

  • Pays the coverage account balance
  • Eligible up to age 69 on the effective date of coverage
  • Benefit up to $20,000 

Disability 

Pays a monthly benefit toward your debt if you become disabled as a result of a qualifying disability.

  • Eligible up to age 64 on the effective date of coverage
  • Benefits begin after 14 consecutive days of disability
  • Benefits paid retroactively to first day of disability
  • Benefit up to $500 per month

Property

Protects financed property (collateral) from natural disasters and other covered perils. 

  • Benefit up to $20,000 for repair or replacement of property
  • Covered perils include flood, fire or lightning, windstorm, hail, and theft

Unemployment

Pays a monthly benefit toward your debt if you become involuntarily unemployed. 

  • Benefits begin after 30 consecutive days of unemployment
  • Benefits paid retroactively to first day of involuntary unemployment
  • Benefit up to $750 per month. Total benefits based on the loan term
  • Must be working for salary or wages for at least 30 hours a week for 12 consecutive months
  • Must not be self-employed and work in a non-seasonal occupation and for the same employer, for at least 90 days on the effective date, in order to be eligible for this insurance

Coverage Summary – Louisiana

Life 

Pays your covered account balance in the event of borrower’s death.

  • Pays the coverage account balance
  • Eligible up to age 66 on the effective date of coverage
  • Benefit up to $20,000

Disability

Pays a monthly benefit toward your debt if you become disabled as a result of a qualifying disability. 

  • Eligible up to age 66 on the expiration date of coverage
  • Benefits begin after 14 consecutive days of disability
  • Benefits paid retroactively to first day of disability
  • Benefit up to $500 per month

Property

Protects financed property (collateral) from natural disasters and other covered perils. 

  • Benefit up to $20,000 for repair or replacement of property
  • Covered perils include flood, fire or lightning, vehicle collision, windstorm, hail, theft, burglary, and robbery

Unemployment

Pays a monthly benefit toward your debt if you become involuntarily unemployed. 

  • Benefits begin after 30 consecutive days of unemployment
  • Benefits paid retroactively to first day of involuntary unemployment
  • Benefit up to $750 per month. Total benefits based on the loan term
  • Must be working for salary or wages for at least 30 hours a week for 12 consecutive months
  • Must not be self-employed and work in a non-seasonal occupation and for the same employer, for at least 90 days on the effective date, in order to be eligible for this insurance

Coverage Summary – Mississippi

Life

Pays your covered account balance in the event of borrower’s death.

  • Eligible up to age 70 on the effective date of coverage
  • Both primary borrower and co-borrower are eligible
  • Benefit up to $20,000

Disability

Pays a monthly benefit toward your debt if you become disabled as a result of a qualifying disability. 

  • Eligible up to age 65 on the expiration date of coverage
  • Benefits begin after 14 consecutive days of disability
  • Only primary borrower is eligible
  • Benefits paid retroactively to first day of disability
  • Benefit up to $500 per month 

Property 

Protects financed property (collateral) from natural disasters and other covered perils.

  • Benefit up to $20,000 for repair or replacement of property
  • Also provides rental expense and additional living expense reimbursement for qualifying events

Unemployment

Pays a monthly benefit toward your debt if you become involuntarily unemployed. 

  • Must be working for employment income at least 30 hours a week and have done so for at least 12 consecutive months prior to the effective date of application, except that 12 months may have been disrupted by lockout, general strike, or unionized labor dispute
  • Must not have received verbal or written notice of impending termination of employment
  • Must not be self-employed, a seasonal worker, an independent contractor, or full-time military personnel
  • Benefit becomes payable after 30 consecutive days of unemployment
  • Benefit paid retroactively to first day of involuntary unemployment
  • Benefit up to $750 per month

Coverage Summary – North Carolina

Life

Pays your covered account balance in the event of borrower’s death.

  • Pays the coverage account balance
  • Eligible up to age 65 on the effective date of coverage
  • Benefit up to $20,000

Disability

Pays a monthly benefit toward your debt if you become disabled as a result of a qualifying disability. 

  • Eligible up to age 65 on the expiration date of coverage
  • Benefits begin after 14 consecutive days of disability
  • Benefits paid retroactively to first day of disability
  • Benefit up to $500 per month

Property

Protects financed property (collateral) from natural disasters and other covered perils. 

  • Benefit up to $20,000 for repair or replacement of property
  • Covered perils include flood, fire or lightning, windstorm, hail, and theft

Unemployment 

Pays a monthly benefit toward your debt if you become involuntarily unemployed.

  • Benefits begin after 30 consecutive days of unemployment
  • Benefits paid retroactively to first day of involuntary unemployment
  • Pays scheduled monthly benefit, up to a maximum of 12 payments
  • Must be gainfully employed for a period of 12 consecutive months in order to be eligible for this insurance

Coverage Summary – New Mexico

Life 

Pays your covered account balance in the event of borrower’s death.

  • Eligible up to age 70 on the effective date of coverage
  • Both primary borrower and co-borrower are eligible
  • Benefit up to $20,000

Disability

Pays a monthly benefit toward your debt if you become disabled as a result of a qualifying disability. 

  • Eligible up to age 65 on the expiration date of coverage
  • Benefits begin after 14 consecutive days of disability
  • Only primary borrower is eligible
  • Benefits paid retroactively to first day of disability
  • Benefit up to $500 per month

Property

Protects financed property (collateral) from natural disasters and other covered perils. 

  • Also provides rental expense and additional living expense reimbursement for qualifying events
  • Benefit up to $20,000 for repair or replacement of property

Unemployment

Pays a monthly benefit toward your debt if you become involuntarily unemployed. 

  • Must be working for employment income at least 30 hours a week and have done so for at least 12 consecutive months prior to the effective date of application, except that 12 months may have been disrupted by lockout, general strike, or unionized labor dispute
  • Must not have received verbal or written notice of impending termination of employment
  • Must not be self-employed, a seasonal worker, an independent contractor, or full-time military personnel
  • Benefit becomes payable after 30 consecutive days of unemployment
  • Benefit paid retroactively to first day of involuntary unemployment
  • Benefit up to $750 per month

Coverage Summary – Nevada

Life 

Pays your covered account balance in the event of borrower’s death.

  • Eligible up to age 70 on the effective date of coverage
  • Both primary borrower and co-borrower are eligible
  • Benefit up to $20,000

Disability

Pays a monthly benefit toward your debt if you become disabled as a result of a qualifying disability. 

  • Eligible up to age 65 on the expiration date of coverage
  • Benefits begin after 14 consecutive days of disability
  • Only primary borrower is eligible
  • Benefits paid retroactively to first day of disability
  • Benefit up to $500 per month

Property

Protects financed property (collateral) from natural disasters and other covered perils. 

  • Also provides rental expense and additional living expense reimbursement for qualifying events
  • Benefit up to $20,000 for repair or replacement of property

Unemployment

Pays a monthly benefit toward your debt if you become involuntarily unemployed. 

  • Must be working for employment income at least 30 hours a week and have done so for at least 12 consecutive months prior to the effective date of application, except that 12 months may have been disrupted by lockout, general strike, or unionized labor dispute
  • Must not have received verbal or written notice of impending termination of employment
  • Must not be self-employed, a seasonal worker, an independent contractor, or full-time military personnel
  • Benefit becomes payable after 30 consecutive days of unemployment
  • Benefit paid retroactively to first day of involuntary unemployment
  • Benefit up to $1000 per month

Coverage Summary – Oklahoma

Life

Pays your covered account balance in the event of borrower’s death.

  • Eligible up to age 71 on the effective date of coverage
  • Both primary borrower and co-borrower are eligible
  • Benefit up to $20,000

Disability

Pays a monthly benefit toward your debt if you become disabled as a result of a qualifying disability. 

  • Eligible up to age 66 on the expiration date of coverage
  • Benefits begin after 14 consecutive days of disability
  • Only primary borrower is eligible
  • Benefits paid retroactively to first day of disability
  • Benefit up to $500 per month

Property

Protects financed property (collateral) from natural disasters and other covered perils. 

  • Also provides rental expense and additional living expense reimbursement for qualifying events
  • Benefit up to $20,000 for repair or replacement of property

Unemployment

Pays a monthly benefit toward your debt if you become involuntarily unemployed. 

  • Must be working for employment income at least 30 hours a week and have done so for at least 12 consecutive months prior to the effective date of application, except that 12 months may have been disrupted by lockout, general strike, or unionized labor dispute
  • Must not have received verbal or written notice of impending termination of employment
  • Must not be self-employed, a seasonal worker, an independent contractor, or full-time military personnel
  • Benefit becomes payable after 30 consecutive days of unemployment
  • Benefit paid retroactively to first day of involuntary unemployment
  • Benefit up to $750 per month 

Coverage Summary – South Carolina

Life 

Pays your covered account balance in the event of borrower’s death.

  • Eligible up to age 70 on the effective date of coverage
  • Both primary borrower and co-borrower are eligible
  • Benefit up to $20,000

Disability 

Pays a monthly benefit toward your debt if you become disabled as a result of a qualifying disability.

  • Eligible up to age 65 on the expiration date of coverage
  • Benefits begin after 14 consecutive days of disability
  • Only primary borrower is eligible
  • Benefits paid retroactively to first day of disability
  • Benefit up to $500 per month

Property

Protects financed property (collateral) from natural disasters and other covered perils. 

  • Also provides rental expense and additional living expense reimbursement for qualifying events
  • Benefit up to $20,000 for repair or replacement of property

Unemployment

Pays a monthly benefit toward your debt if you become involuntarily unemployed. 

  • Must be working for employment income at least 30 hours a week and have done so for at least 12 consecutive months prior to the effective date of application, except that 12 months may have been disrupted by lockout, general strike, or unionized labor dispute
  • Must not have received verbal or written notice of impending termination of employment
  • Must not be self-employed, a seasonal worker, an independent contractor, or full-time military personnel
  • Benefit becomes payable after 30 consecutive days of unemployment
  • Benefit paid retroactively to first day of involuntary unemployment
  • Benefit up to $750 per month

Coverage Summary – Tennessee

Life 

Pays your covered account balance in the event of borrower’s death.

  • Pays the coverage account balance
  • Eligible up to age 66 on the expiration date of coverage
  • Benefit up to $20,000

Disability

Pays a monthly benefit toward your debt if you become disabled as a result of a qualifying disability. 

  • Eligible up to age 66 on the expiration date of coverage
  • Benefits begin after 7 consecutive days of disability
  • Benefits paid retroactively to first day of disability
  • Benefit up to $500 per month

Property

Protects financed property (collateral) from natural disasters and other covered perils. 

  • Benefit up to $20,000 for repair or replacement of property
  • Covered perils include flood, fire or lightning, windstorm, hail, and theft

Unemployment

Pays a monthly benefit toward your debt if you become involuntarily unemployed. 

  • Benefits begin after 30 consecutive days of unemployment
  • Benefits paid retroactively to first day of involuntary unemployment
  • Benefit up to $750 per month. Total benefits based on the loan term
  • Must be working for salary or wages for at least 30 hours a week for 12 consecutive months
  • Must not be self-employed and work in a non-seasonal occupation and for the same employer, for at least 90 days on the effective date, in order to be eligible for this insurance

Coverage Summary – Texas

Life 

Pays your covered account balance in the event of borrower’s death.

  • Pays the coverage account balance
  • Eligible up to age 67 on the expiration date of coverage
  • Benefit up to $20,000

Disability

Pays a monthly benefit toward your debt if you become disabled as a result of a qualifying disability. 

  • Eligible up to age 67 on the expiration date of coverage
  • Benefits begin after 14 consecutive days of disability
  • Benefits paid retroactively to first day of disability
  • Benefit up to $500 per month

Property

Protects financed property (collateral) from natural disasters and other covered perils. 

  • Benefit up to $20,000 for repair or replacement of property
  • Covered perils include flood, fire or lightning, windstorm, hail, and theft

Unemployment 

Pays a monthly benefit toward your debt if you become involuntarily unemployed.

  • Benefits begin after 30 consecutive days of unemployment
  • Benefits paid retroactively to first day of involuntary unemployment
  • Benefit up to $750 per month. Total benefits based on the loan term
  • Must be working for salary or wages for at least 30 hours a week for 12 consecutive months
  • Must not be self-employed and work in a non-seasonal occupation and for the same employer, for at least 90 days on the effective date, in order to be eligible for this insurance

Coverage Summary – Virginia

Life 

Pays your covered account balance in the event of borrower’s death.

  • Pays the coverage account balance
  • Eligible up to age 69 on the expiration date of coverage
  • Benefit up to $20,000

Disability

Pays a monthly benefit toward your debt if you become disabled as a result of a qualifying disability. 

  • Eligible up to age 64 on the expiration date of coverage
  • Benefits begin after 7 consecutive days of disability
  • Benefits paid retroactively to first day of disability
  • Benefit up to $500 per month

Property

Protects financed property (collateral) from natural disasters and other covered perils. 

  • Benefit up to $20,000 for repair or replacement of property
  • Covered perils include flood, fire or lightning, windstorm, hail, and theft

Unemployment

Pays a monthly benefit toward your debt if you become involuntarily unemployed. 

  • Benefits begin after 30 consecutive days of unemployment
  • Benefits paid retroactively to first day of involuntary unemployment
  • Benefit up to $750 per month. Total benefits based on the loan term
  • Must be working for salary or wages for at least 30 hours a week for 12 consecutive months
  • Must not be self-employed and work in a non-seasonal occupation and for the same employer, for at least 90 days on the effective date, in order to be eligible for this insurance