All individual members in good standing of participating AFT locals are covered under the AFT Occupational Liability Plan for their professional employment activities.

This valuable coverage is not available to individual members*. It is an optional coverage through AFT that an AFT local elects to provide for its members**.

There are two components to this important protection for AFT members: the AFT Occupational Liability Insurance Plan and and Legal Action Trust.  These two parts provide protection for claims arising out of the professional employment activities of an insured AFT member.

Part 1: The Occupational Liability Insurance Policy provides coverage up to $1 million of protection for each member for bodily injury and property damage and $1 million per member for personal injury with a $3 million annual aggregate. The policy provides coverage for most of the claims activity involving employment activities.

Part 2: The AFT has established a special Legal Action Trust, which may provide reimbursement protection for other exposures. The trust has a $1 million per occurrence limit and an annual aggregate limit of $1 million.

By combining the insurance policy with the Legal Action Trust, members receive broad protection.

Note: Locals in Louisiana, Mississippi, Missouri, Oklahoma and Texas may have higher coverage limits. Contact your state federation office or Thomas T. North Inc at 866/238-2388 for more information.

The AFT Occupational Liability Insurance Plan is administered by Thomas T. North Inc and underwritten by Lexington Insurance Company.  To report a claim, call 866/238-2388 or e-mail service@AFTclaims.com.

For incidents occurring before July 1, 2004, coverage is provided by Marsh Affinity Group Services (formerly Seabury and Wohlers).

For more information or to receive a brochure on the AFT Occupational Liability Insurance Plan, e-mail aftplus@aft.org or call 800/238-1133, ext. 8643.