Association Membership with Hospital Benefit

For Association Members ONLY


Bridge 500

Hospital Admission
(See Details Below)


Hospital Admission – Intensive Care
(See Details Below)


Hospital Confinement
(See Details Below)

$100 per day (31 Day Max)

Hospital Confinement – Intensive Care
(See Details Below)

$200 per day (31 Day Max)

Emergency Room Benefit
(See Details Below)

$100 per day (2 Days per Policy Year)


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This is a Summary of Benefits available to you as a member of Emergency Management Alliance. This Summary does not provide complete details of the coverage that may be available. Please refer to the language in the certificate made available to you for a complete list of terms and conditions.


LibertyTM Hospital Indemnity


You must be a Member in good standing of the Emergency Management Alliance to become and remain eligible for Hospital Indemnity coverage. If you purchase and choose to cancel or fail to renew your Membership, your Hospital Indemnity coverage would end, not only for you, but also for your Spouse or Dependent Children if you enroll them for coverage.

As an eligible member, you can choose whether you would like coverage for yourself, and you can also choose whether you would like to cover your spouse and/or each of your dependent children if they meet the “Dependent Eligibility” requirements discussed below. You may add coverage for your spouse or dependent children at any time after you enroll.

As an eligible Member, your Spouse or Domestic Partner and Dependent Children are eligible for coverage.

Dependent Children means all of Your Children who are unmarried and under 26 years of age. However, if any Dependent Child is incapable of self-sustaining employment due to intellectual or physical disability and is dependent on You for support, such Age limit shall not apply.

Coverage Highlights
The Hospital Indemnity coverage would pay you a benefit in the event that you or your spouse or dependent child are confined or admitted to a hospital. All benefits are paid per day except Hospital Admission which is paid per Admission.

Hospital Confinement


Hospital Intensive Care


Hospital Admission


Hospital Admission – Intensive Care


Emergency Room


Benefit Waiting Period
There is a waiting period before benefits would be paid. No coverage would be provided for the first 30 days following the Coverage Effective Date for an Illness. There is no benefit waiting period for an Injury; however, the Injury must occur after coverage becomes effective.


In addition to a Benefit Waiting Period, you or your dependents would not have coverage for injuries or illnesses that occurred before you or your dependents coverage became effective. These injuries or illnesses are called a “Pre-Existing Injury or Illness”. A Pre-Existing Injury or Illness means: 1. The existence of a condition or symptom that would cause a reasonable person to seek medical advice, care, or treatment within the 12 month period before the Covered Person’s Coverage Effective Date; or 2. A condition or symptom for which medical advice, care, or treatment was recommended by or received from a Physician within the 12-month period before the Covered Person’s Coverage Effective Date, regardless of whether such advice, care, or treatment was followed by the Covered Person.

Benefits would not be paid arising from, caused by, contributed to, or resulting from a pre-existing Injury or Illness unless it occurs more than 12 months after the Covered Person’s Coverage Effective Date.


Benefits would not be paid due to any Covered Person’s giving birth within the first 10 months after the Covered Person’s Coverage Effective Date as a result of a pregnancy. Complications of Pregnancy would be covered under the Policy as any other Illness.


Insurance coverage would terminate on the earliest of the following dates:

1. The date your membership terminates;

2. The date Emergency Management Alliance terminates or does not renew the Policy;

3. After you attain Age 70;

4. The date you pass away.

Loss of coverage would not affect a claim that was incurred while you were a member in good standing.


A Covered Dependent’s insurance coverage would terminate on the earliest of the following dates:

1. The date your membership terminates;

2. The date Emergency Management Alliance terminates or does not renew the Policy;

3. The date your dependent loses eligibility;

4. If spouse coverage the date your spouse attains age 70;

5. The date you or your dependent passes away.

Loss of coverage would not affect a claim that was incurred while your dependent was covered.


The certificate uses a number of terms that are defined. Some of those defined terms are set forth below to assist in understanding the insurance coverages provided by enrollment.

Confined or Confinement means the assignment to a bed as a resident Inpatient in a Hospital or Intensive Care Unit on the advice of a Physician for a period of no less than 23 continuous hours. Confined or Confinement also includes the assignment to a bed as a resident Inpatient in a Rehabilitation Facility.

Confinement for the same or related Injury or Illness within 30 days of discharge from a previous Confinement is considered a continuation of the previous Confinement.

Hospital means an institution that meets all of the following: 1. Is licensed as a hospital pursuant to applicable law; 2. Is primarily and continuously engaged in providing medical care and treatment to sick and injured persons; 3. Is managed under the supervision of a staff of medical doctors; 4. Provides 24-hour nursing services by or under the supervision of a registered nurse (R.N.); 5. Has medical, diagnostic, and treatment facilities, with major surgical facilities on its premises, or available on a prearranged basis; and 6. Charges for its services.

Illness means an illness or disease that first manifests itself after the Covered Person’s Coverage Effective Date and that requires treatment by a Physician.

Injury means an accidental bodily injury that is the direct result, independent of all other causes, from a Covered Accident (independent of sickness, disease, mental incapacity, bodily infirmity, or any other causes).

Physician means an individual who: 1. Is licensed as a doctor in the jurisdiction where the services are being performed; 2. Is legally qualified to practice medicine; and 3. Renders care and treatment to the Covered Person that is appropriate for the condition and which is within the scope of the license.

Benefits are not payable if a claim was caused by certain actions that you, your spouse, or dependent child took or were involved in. In addition, benefits are not payable for services or treatment that are rendered by you or those close to you. These “exclusions from coverage” are as follows:


We would not pay benefits for any loss due to:

1. Declared or undeclared war or act of war or any act of declared or undeclared war;

2. The Covered Person’s intentionally self-inflicted injury, suicide, or any attempt while sane or insane, or intentional restriction of oxygen to the brain;

3. The Covered Person’s active duty service in the military, naval, or air force of any country or international organization. Upon Our receipt of proof of service, We will refund any premium paid for this time. Military Reserve or National Guard active duty training is not excluded unless it extends beyond 31 days;

4. The Covered Person’s flight in, boarding, or alighting from an aircraft or any craft designed to fly above the Earth’s surface except as a fare-paying passenger on a regularly scheduled commercial airline or on an aircraft owned or leased by the Policyholder;

5. Dental or plastic Surgery except when such Surgery is performed to: a) Treat an Injury; b) Correct a disorder of normal bodily function; or c) Reconstruct a part of the body which was disfigured or removed as a result of an Injury or Illness;

6. The treatment of a Covered Person’s mental illness;

7. The treatment of a Covered Person’s alcoholism, drug addiction, chemical dependency, or complications thereof;

8. The Covered Person’s commission of, or attempt to commit, a felony, or engagement in an illegal occupation;

9. The Covered Person’s operation of a motor vehicle while intoxicated which will be conclusively assumed if he is operating the motor vehicle with a blood alcohol level in excess of the amount allowed under the laws of the state in which the accident occurred;

10. The Covered Person’s intoxication, or voluntary ingestion, including inhalation, snorting, inserting, or otherwise consuming any narcotic or drug unless prescribed or taken under the direction of a Physician, and taken in accordance with the prescribed dosage, or an “over the counter” drug not taken in accordance with the prescribed dosage;

11. The Covered Person’s voluntary ingestion, including inhalation, snorting, inserting, or otherwise consuming of poison, gas, or fumes;

12. The Covered Person’s Injury sustained while participating in professional or semi-professional athletics;

13. The Covered Person’s participation in any motorized race or contest of speed or stunt show;

14. The Covered Person’s travel outside the United States and its possessions for the sole purpose of receiving medical care or treatment;

15. Any Hospital Confinement of a newborn following the birth unless the newborn is sick or injured;

16. The Covered Person’s Injury incurred prior to the Coverage Effective Date;

17. The Covered Person’s Illness incurred prior to the Coverage Effective Date or during any applicable waiting period;

18. The Covered Person’s treatment related to gender reassignment surgery or gender identity disorder, voluntary sterilization or reversal of sterilization, in vitro fertilization, embryo transfer procedures, and artificial insemination;

19. The Covered Person’s treatment through experimental procedures;

20. Routine health examinations or procedures.;

21.The Covered Person’s commission of or active participation in a riot or insurrection;

22. Services or treatment rendered by any person who is: a) The Covered Person; b) A Member of the Same Household; c) An Immediate Family Member of the Covered Person; or d) A Business Associate of the Covered Person.

How to File a Claim
If this coverage is purchased, you can tell us about your injury or diagnosis by accessing https://benefits.libertymutual.com/claims/fnol/ and answer a few questions to file the claim; or

  • Download the claim form at www.emamember.com and complete, sign and email to AH_Claims@LibertyMutual.com; or
  • Mail to: Liberty Mutual Insurance, PO Box 66400, London, KY 40741

Have questions?

Liberty Mutual is available to assist you Monday-Friday from 8am-5pm EST at 1-877-501-2467, Option 2.

States Available


States Not Available

$25.00 one-time
$39.95 per Month for Individual + Children
$29.95 per Month for Individual
$49.95 per Month for Family
$39.95 per Month for Individual + Spouse
Standard 1-5 business days $7.95
Two Day 2 business days $15
Next Day 1 business day $30
* Free on orders of $50 or more


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