Terms and Conditions
APPLYING FOR WHITE LIGHT ASSURANCE BENEFITS
To apply for benefits you must have the met the following conditions:
- Involuntarily separated from your employer – the separation cannot be voluntary
- You cannot have paid your rent late (“late” will be based on the terms of your lease) in the last three months prior to the claim request
- You cannot have had an eviction notice in the last three months prior to the claim request
- You cannot be late at the time of the claim request
- The claim request cannot be made before the termination of your employment
- White Light Assurance benefits cannot be used to renew a lease – the benefit cannot be used to pay the first month of a new/renewed lease
- The benefit may only be used twice in twelve months, and three times in eighteen months – this rule will follow the tenant- not the apartment
- After the 3rd use (within eight-teen months) there must be a six-month waiting period before the benefit can be reset and used again.
- If you use the benefit, then return to the same employer that terminated you that is listed on the claim form you cannot use the benefit if that same employer involuntarily separates you again with eight months of returning to the employer.
- You must sign an Authorization to Release information and allow White Light Assurance to verify reason for termination, all employment and rental history information
- Any fraudulent or false information provided to White Light Assurance can result in an immediate denial of the claim and future claims
- Your terminating employer must comply with the White Light Assurance information request – if they do not the claim can be declined for lack of cooperation
- Once requested you have five business days to provide all information requested or your claim can be declined for lack of cooperation
- You cannot use any White Light Assurance benefits the first three months of your lease. This is for new leases. If the termination occurs within the first three months of a renewed lease it is up to the discretion of White Light Assurance to pay the claim or not.
- Your current apartment complex must be signed up and on time with their White Light Assurance profile
- You must have been with your terminating employer for at least six months to qualify for the benefit.
- White Light Assurance is generally for loss of full time jobs – or loss of main source of income. If it cannot be proved that this is your main source of income then it will not qualify for a claim.
- If there are two people on the lease, and one faces involuntary unemployment then White Light Assurance will cover forty-two point five percent of the monthly rent. (42.5% of the contractual monthly rent)
- White Light Assurance will only cover the base rent and will not cover any utilities or added on amenities such as covered parking, water, trash, utilities, garages, storage closets etc
Types of Job Separation
To be eligible for benefits based on your job separation, you must be either unemployed or working reduced hours by 80% through no fault of your own (vacation does not count). Examples include layoff, reduction in hours or wages not related to misconduct, being fired for reasons other than misconduct, or quitting with good cause related to work.
Layoffs are due to lack of work, not your work performance, so you may be eligible for benefits. For example, the employer has no more work available, has eliminated your position, or has closed the business.
Working Reduced Hours
If you are working but your employer reduced your hours by 80% or more, you may be eligible for benefits. Your reduction in hours must not be the result of a disciplinary action, due to your own fault or due to your request.
If the employer ended your employment but you were not laid off as defined above, then you were fired. If the employer demanded your resignation, you were fired. You may be eligible for benefits if you were fired for reasons other than misconduct. Examples of misconduct that could make you ineligible include violation of company policy, violation of law, neglect or mismanagement of your position, or failure to perform your work adequately if you are capable of doing so.
If you chose to end your employment, then you quit. Most people who quit their jobs do not receive White Light Assurance benefits. For example, if you quit your job for personal reasons, such as lack of transportation or stay home with your children, not liking management, go to school etc- White Light Assurance will not cover your rent as the decision was made by you not the employer.
You may be eligible for benefits if you quit for one of the reasons listed below:
- Examples of quitting for good work-related reason are well-documented instances of:
- Unsafe working conditions – must be verified by employer
- Significant changes in hiring agreement – must be verified by employer
- Not getting paid or difficulty getting your agreed-upon pay – must be verified by employer and original employment contract must be provided along with proof that employer did not provide their end of the contract or made changes to the contract that were not to your financial benefit. White Light Assurance does not cover quitting for things such as – change in hours of pay, small to moderate changes in pay or bonus structure, change in position if the position changed to provides the same or close to same amount of pay and hours
- Quit for a good reason not related to work, under limited circumstances. Examples include leaving work because:
- A personal medical illness or injury prevented you from working (must be able to prove that 80% of scheduled time was missed and that injury prohibited you from working, was not self inflicted, and was not preventable)
- You are caring for a terminally ill spouse
- You have documented cases of sexual assault, family violence or stalking
A thorough research file is opened on each White Light Assurance claim. Claims may be denied based upon not meeting the Job Separation criteria, or based upon the discretion of the White Light Assurance review team. All information provided must be true and factual. The separating employer must provide the requested information in a timely manner. Claims may be automatically denied if there are any signs of false information being provided, fraud, or non-cooperation from the claimant, or previous employer. All decisions in regards to claim approval or denial will be placed in writing. White Light Assurance may deny a claim at its discretion.
Please note, White Light Assurance will not pay a claim, or supplement rent if a second or part time job is lost. This is to assist with your loss of your full time income. You must be able to prove that this was your full time employer or main source of income. If the income verified does not cover 85% of the rent the claim can be denied. For example – if your rent is $1500 a month, and the income source verified is only $1000 a month then the monthly income was not enough to cover the contractual rent and the claim can be declined. If there are two people on the lease and the responsibility of the rent is being carried 50/50 then the unemployed claimant may file for ½ of the White Light Assurance benefits (42.5%).