TSA Advantage Booklet 2014

YOUR TSA ADVANTAGE with you every mile

Insurance Provided by:

Benefits, Discounts & Services

• Towing, Recovery & BreakdownProgram • Fuel Discount• Lease Reviews• Toll Discounts• $1000 AD&DCoverage• 24 Hour Nurse Line

Insurance Programs Leased Operators • Bobtail/Non-Trucking Liability• Physical Damage• Occupational Accident• Contingent Liability• Trip Insurance• Passenger/Rider Coverage• Deductibe Buyback• Lease GAP Insurance• Medical/Disability/Life

Why choose TSA? • Buying power of more

than 23,000 Members• Competitive Rates,

Coverage & Service• Shopped with 11 AM Best “A” Rated

Insurance Carriers• TruXpro & Truck Plus endorsements• 24 Hour Claims Service

• No Deposits• Only first month’s premium to bind

• Easy & Fast Quotes/Enrollment• Website/Phone/Fax• Policy in force in one call

• Unique Products• Trip Coverage to get new IC’s leased on• Deductible Buyback for cash flow &

retention protection• Contingent Liability

• Settlement Alternative• Eliminate Admin Costs• TSA is “Motor Carrier Friendly”• Coverage Verification through

our Website

With you every mile. www.tsatruck.com | [email protected] | phone 877/968-8785 | fax 319/896-4720 All insurance programs provided to Truckers Service Association (TSA) members are exclusively

brokered by TrueNorth, a licensed insurance agency headquartered in Iowa.

What is TSA?

• GAP & Lease GAP

SERVICE ASSOCIATION

http://www.tsatruck.com/

mailto:[email protected]

Table of Contents

Business Protection – Coverage Overview & FAQ

• What is TSA? Page 1

• Non-Trucking Liability Insurance Page 4

• Physical Damage Insurance Page 6

• Work-Injury Insurance Page 10

O Occupational Accident

• Deductible Buyback Insurance Page 12

• Roadside Assistance Page 14

Personal Protection

• TrueChoices® Page 16

O Personal Benefits Insurance for Owner- Operators & their families

TSA Member Benefits Bulletin Page 17

2 | The information contained in this document is intended to be a guide only. Please consult any Evidence of Coverage and/or coverage summaries provided to you by your insurance company, or please contact TrueNorth for a copy of your insurance policy(s) and all applicable endorsements for the exact terms and conditions of your policy(s).

• Trip Insurance Page 8

NON-TRUCKING LIABILITY

SERVICE ASSOCIATION

YOUR TSA ADVANTAGEwith you every mile

COVERAGE OVERVIEW

Non-Trucking Liability Overview

As an Owner-Operator, you are required to procure Non-Trucking Liability Insurance to cover your personal liability to the general public for Bodily Injury and Property Damage that you may cause in an accident while you are not under direction or control of the Motor Carrier you are contracted with or leased onto.

TrueNorth® offers Non-Trucking Liability Insurance options which meet these requirements.

Cost: $36.00 Monthly Deductible: $0 Combined Single Limit: $1,000,000

Is Non-Trucking Liability Insurance the same as “Bobtail Liability Insurance”? No. A true Non-Trucking Liability policy is active when you are not under direction or control of the Motor Carrier you are contracted with or leased onto. A Bobtail policy is only active if there is no trailer or chassis attached to your truck.

Please reference your Independent Contractor Operating Agreement (Lease Agreement) with the Motor Carrier you contract with to verify your contractual requirements.

What is my Non-Trucking Liability Deductible?

• $0


PHYSICAL DAMAGE

SERVICE ASSOCIATION


COVERAGE OVERVIEW

Physical Damage Overview As an Owner-Operator, you typically need to purchase Physical Damage Insurance for your equipment to insure against any losses. This is not only “good business practice,” it is usually a requirement of your lease or finance company.

• Cost: Based on Stated Value & Garaged Location of Truck• Comprehensive & Collision Coverage• $1,000 Deductible

Supplemental Physical Damage Enhancements

1. Downtime/Rental ReimbursementThe period of restoration when suspension of operations causes loss ofbusiness. Downtime/Rental reimbursement must be caused by physical loss ofor damage to a covered auto by or resulting from a covered loss.

2. Personal Effects and Electronic EquipmentCovers personal property that is in the covered auto at the time of loss.Electronic equipment is covered when it is in or on the covered auto.

3. Diminishing DeductibleEach Coverage year that the driver(s) are accident free, the deductible isreduced by 25% to $0 deductible after four “loss free” coverage years.

4. GAP CoverageCovers the financial “Gap” created when a power unit depreciates faster thanyou are able to pay off the amount owed on your lease or loan.

5. TowingCoverage in the event your unit would need to be towed. No coverage formechanical breakdown as a result a of a covered physical damage claim.



SERVICE ASSOCIATION

TRIP INSURANCECOVERAGE OVERVIEW

Call (877) 968-8785 to speak to a TSA Representative OR

Complete paper applicatio n and fax to (319) 896-4720

Trip Insurance Coverage

• Coverage for your truck (Physical Damage) with deductible options• $1,000,000 of Liability insurance for the trip to sign your Motor Carrier lease*• $1,000,000 of Non-Trucking Liability coverage to satisfy your Motor Carrier

requirements upon signing lease (other forms of liability insurance available)• No hassle of dealing with insurance once you arrive at your Motor Carrier.

We send you proof of coverage directly to your Motor Carrier.

Preferr ed Customer Plan: Exclusively for clients purchasing trucks, leasing on to a Motor Carrier or wanting to get the most competitive rate!

Trip Only Plan: Call (877) 968-8785 to learn more about TSA’s Trip Coverage!• This is temporary insurance, which provides coverage for ONE trip only.• Coverage for your truck (Physical Damage) good for 30 days• $1,000,000 of Liability insurance for the trip to sign your Motor Carrier lease*

If the drivers convert their trip coverage into a permanent policy, they get credited $50.00 toward their monthly premium!

* Liability coverage expires upon the effective date of your newly signed lease or after 7 days, whichever comes first. Thetrip will need to be completed within the 7 day time-frame, or the liability coverage will expire. Extending the Liability coverage by another week can be done for an additional cost if needed. Other coverages available such as GAP, Occupational Accident, Deductible Buyback.


WORK-INJURY INSURANCE


COVERAGE OVERVIEW

Work-Injury Insurance Overview As an Owner-Operator, you are required to procure Work-Injury Insurance to cover your medical expenses and partial wage replacement in the event you are involved in a work-related accident or injury.

TrueNorth® offers Occupational Accident options which meet these requirements.

Occupational Accident Insurance Overview There are THREE core components of Occupational Accident Insurance:

1. Accidental Death & Dismemberment:• Accidental Death Benefit is a lump sum payable to your beneficiary(spouse, dependents, parents, siblings or

estate).• Survivors Benefit is a monthlybenefit paid to a surviving spouse or dependents.• Accidental Dismemberment Benefit paid to you

2. Medical Expenses:• When a driver is involved in an accident requiring medical treatment the medical expense coverage will pay

for the medical costs up to the limits of the policyfor two years.• Medical treatment usuallymust commence within a pre-determined number of days after the accident which

caused the covered injury.

3. Disability Insurance:• Temporary Total Disability

o Partial wage replacement benefit paid to the Owner-Operator in the event of a covered injuryresulting inan inability for the Owner-Operator to work during the time they are recovering from the covered injury.The disability must commence within 180 days from the date of the accident causing injury. Benefits begin7 days after Insured is declared disabled bya physician.

o Maximum Benefit Period – 104 Weeks. However, if the Insured has an injuryafter the age of 65, theMaximum Benefit Period of 52 Weeks.

• Continuous Total Disability (after TemporaryTotal Disability Period of 104 Weeks)o Partial wage replacement benefit paid to the Owner-Operator in the event of an injuryresulting in the

complete inability for the Owner-Operator to work during the time they are recovering from thecovered injury.

o Maximum Benefit Period – up to age 65, but not beyond full Social Securityretirement age.o Insured must qualify for Social Security Disability Award to be eligible for CTD. Benefit is reduced by

Social Security benefits; any disability income from any Third Party or amount Insured receives ascompensation for lost wages in a lawsuit or settlement.

Monthly Cost: Starting at $132 Deductible: $0 Up to $2,000,000

PLEASE NOTE: You must be paid via 1099 to be eligible for Occupational Accident Insurance.


DEDUCTIBLE BUYBACK


COVERAGE OVERVIEW

Deductible BuyBack Coverage Overview As an Owner-Operator, you are typically held responsible for certain deductible levels while contracting with or leased to a Motor Carrier.

TrueNorth offers a Deductible BuyBack policy which minimizes your out-of-pocket deductible expense to $500!

• $2,500 Motor Carrier Cargo Claim• $2,500 Trailer Damage Claim• $1,000 Tractor Physical Damage Deductible

$6,000 Contractor Responsibility

In the event of a total loss, you could be on the hook for $6,000!

Reduce your $6,000 deductible exposure to a $500 for a nominal cost!

Total Deductible multiplied by .00834 + 1 = Monthly Premium $51.04

HOW IS THE DEDUCTIBLE BUYBACK POLICY WORK?

This is a REIMBURSEMENT policy. Payment will be made to the Insured after all deductibles have been paid.

DO I HAVE TO BE INVOLVED IN A TOTAL LOSS FOR COVERAGE TO APPLY?

No, Deductible Buyback Coverage can be applied to any loss in which you’re held responsible for the deductible.


Contractor Deductible Requirements while leased.

ROADSIDE ASSISTANCE


COVERAGE OVERVIEW

Roadside Assistance Coverage Overview

TrueNorth offers a Roadside Assistance Program that protects you for breakdowns and roadside assistance. Some of the items this includes are:

• Towing (up to 50 miles per disablement)

• Vehicle Jumpstart

• Out of Gas Fuel Delivery (up to 10 gallons of fuel)

• Oil, Fluid and Water Delivery Service

• Vehicle Winching/Extricating

• Navigational Assistance

• Lockout/replacement key services (up to $100)

• Hotel and Travel Discounts

• Flat Tire Change Coverage (up to $500 maximum occurrence)

*Free Delivery of new replacement tire upon request. Pay only for costof tire.

Monthly Cost: $28.00

*Coverage will be effective on the 1st of the following month of when the application isreceived!

*You will receive a card with a claims number to call if you need assistance


TRUECHOICES PERSONAL & FAMILY BENEFITS

COVERAGE OVERVIEW

YOUR TSA ADVANTAGE with you every mile

TrueChoices® Coverage Overview TrueChoices® is an exclusive Independent Contractor benefits package offering the most comprehensive and cost-effective solutions in the industry!

If you have any questions, would like to obtain a free informational packet or are interested in enrolling in any of the TrueChoices® programs, please contact a TrueChoices® Benefits Counselor at:

(800) 877-9637 16 | The information contained in this document is intended to be a guide only. Please consult any Evidence of Coverage and/or coverage summaries provided to you by your insurance company, or please contact TrueNorth for a copy of your insurance policy(s) and all applicable endorsements for the exact terms and conditions of your policy(s).

Personal Insurance for Owner Operators

& Their Families

Coverages Available:Limited Medical Insurance:

Starts as low as $119.06/monthOffice & Wellness Visits

Diagnostic ServicesNo Copays

No Deductibles

Dental Insurance:Starts as low as $18.89/month

Two (2) plans to choose from: Low Plan or High Plan

Vision Insurance:Starts as low as $6.93/month

Exams: Once every 12 monthsLenses: Once every 12 monthsFrames: Once every 24 months

Also Available:Life Insurance Long-Term DisabilityAccident Insurance Short-Term DisabilityRetirement Options Critical Illness

BENEFITS BULLETIN with you every mile

As a Truckers Service Association (TSA) member, you are entitled to these profit enhancing benefits and discounts! Learn more at www.tsatruck.com.

Accidental Death & Dismemberment 24/7 Accidental Death & Dismemberment and Automatic enrollment for $10,000 of coverage on yourself. Please ask your member representative for full coverage detail. BestPass Save up to 30% on tolls - Use to by-pass most weight stations.Call 1-888-410-9696 and ask for Rich Kellie, or visit www.bestpass.com to begin saving. Fuel Discount (Pilot, TA, Love’s & Petro) Save up to 8 cents/gallon below the cash price. Call 801-656-4701 and ask for Steve to begin saving. TSA TCH Fuel Card required for discounts. GymAmerica.com Web-based, interactive exercise and diet program for you and your family. Receive three months for the price of two! For details, visit www.gymamerica.com/NAC. Hewlett-Packard Computer & Digital Equipment Receive discounts on HP notebooks, laptops, desktops, servers, printers, digital cameras, handhelds, point-of-sale (scanners, cash registers, etc.) and more. To order, call 888-860-9572 and mention code “BAE1” for your discount, or visit www.hp.com/go/bae. InterStar - Roadside Assistance 24-7 Access to lower rates for towing, tire replacement and minor mechanical. Save 20% on InterStar management fees at the time of repair by giving your TSA coupon code “BBTSA10.” Call 1-800-888-1001 to inquire, or to setup an account. LensCrafters Save up to 20% on purchases and 10% on eye exams and contact lenses. Call 1-877-753-6727 for a location near you. TSA’s ID Allowance Code: #9133281(NAC) 24-Hour Nurse Line Unlimited access to registered nurses - 24 hours a day, 365 days a year. Call toll-free at 1-800-982-2401 for this confidential service. Pharmacy Discount Benefit Save 10-85% on prescription drugs- and have them delivered to your front door. Go to http://bit.ly/QG8N9U to print your card and view local and mail order pharmacy details. Rudolph Tire Get a free, no obligation quote on Rudolph Tires. Call 1-866-989-7613 and give the promo code: TSA. Safelite Mobile Phone Plans Get a discount on repair and replacement services for the glass in your truck. For details, call Safelite AutoGlass® at 888-800-4527 and give account #345297 as reference. Sprint Mobile Phone Plans Get a 19% discount on qualified rate plans, excludes “simply everything,” plus 20% savings on Sprint accessories. Get started at www.myassociationmembership.com/sprint. TravelerBonus.com Discount and rebates for rooms when you’re on the road. Check out www.travelerbonus.comand use the password “NAC” to see savings and rebates. UPS Express Delivery Service Discounts on UPS delivery services like next day air, second day air, standard and international. To sign up, call 1-800-325-7000 and ask to be linked to the Business AdvantEdge Association discount program. Can also sign up online by going to www.business-edge.net and click on Member Benefits/UPS0. US Trucking & Logistics Co-Op, Inc. Receive assistance securing consistent, better-paying freight opportunities. Jump start your career as a driver, and maintain a profitable business with US Trucking & Logistics Co-Op, Inc. Learn more at ustruckingco-op.com.

With you every mile. • www.tsatruck.com


http://www.bestpass.com/

http://www.bestpass.com/

http://www.gymamerica.com/NAC

http://www.hp.com/go/bae

http://bit.ly/QG8N9U

http://www.myassociationmembership.com/sprint

http://www.travelerbonus.com/

http://www.business-edge.net/


With you every mile.

www.tsatruck.com | [email protected] | phone 877/968-8785 | fax 319/896-4720 All insurance programs provided to Truckers Service Association (TSA) members are exclusively

brokered by TrueNorth, a licensed insurance agency headquartered in Iowa.

Documents

TSA Advantage Booklet 2014