Event Definitions

NATURAL DISASTER (such as flood, fire, tornado, earthquake, tsunami, volcanic eruption, blizzard, drought, cyclone, hurricane, typhoon, or severe storms)

An unexpected or unavoidable natural disaster affecting you, your dependents, and / or property. For example, the disaster might result in evacuation, cause personal injury, and / or cause damage to your home or automobiles.

GOVERNMENT (NATION/STATE) DECLARED DISASTER

A community-wide, non-US disaster which is determined to be equivalent to a qualified disaster.

PRESIDENTIALLY DECLARED DISASTER (USA)

A community-wide disaster which the President of the United States officially designates. The persons these disasters affect are often eligible for FEMA assistance.

TERRORIST ACTIONS

Terrorist or military attacks, occupation, or maneuvers affecting you, your dependents, and / or property.

DISASTER RESULTING FROM A COMMON CARRIER ACCIDENT (such as bus, train, ferry, plane, or truck)

An accident or disaster involving mass transport, such as buses, trains, planes, or trucks. The event may have caused personal injury to you or your dependents from the accident itself, or damage to your primary residence and vehicle.

EVENT DETERMINED BY U.S. SECRETARY OF TREASURY TO BE CATASTROPHIC (USA)

EPIDEMIC

An outbreak of a disease that occurs over a wide geographic area and affects a high proportion of a local, regional or national population.

MILITARY DEPLOYMENT (you or your spouse/domestic partner called to active duty)

Unexpectedly or unavoidably called to active duty from the military reserve or Nation Guard in times of natural disaster or national emergency. This does not include normal deployment for reserve or National Guard scheduled training.

CIVIL UNREST

Civil unrest causing you and other victims to seek shelter/evacuate for safety, or suffer unexpected financial hardship, due to large-scale social/political/civil/economic upheaval. Examples include but are not limited to military occupation, currency devaluation, mass displacement and armed conflict.

IMPACTS PRIMARY RESIDENCE (fire, flood, or unusual life-altering expense not covered by insurance)

A significant event affecting your primary residence which results in significant expenses or repairs. For example, house fire, roof damage due to wind or falling tree, or other unforeseeable external event. Not included are Maintenance related events issues such as burst pipes, etc. unless these were caused by the external event.

SERIOUS ILLNESS OR INJURY (not covered by insurance for you or your eligible dependent)

An unexpected, one-time severe illness or injury to you or your dependents. The illness or injury event does not include chronic conditions, nor does it include amounts eligible for insurance reimbursement or payment from a health savings account (HSA).

NON-ROUTINE/EXCEPTIONAL MEDICAL EXPENSE (not covered by insurance for your or your eligible dependent)

An unexpected, one-time, and necessary medical expense which is not a serious illness or injury. This includes procedures relating to events such as emergency dental work. This does not include elective medical procedures as elective procedures are not reasonably unavoidable which is required by government regulation.These events are ones that are not eligible for insurance reimbursement or payment from a health savings account.

VICTIM OF A VIOLENT CRIME (not covered by insurance for your or your eligible dependent)

A violent crime causing physical harm and / or missed time from work.

DOMESTIC ABUSE

Domestic violence causing you and any other victims to leave the unsafe residence. You may wish to seek out a domestic violence shelter in your community to provide you with guidance and community resources to assist you. You may provide EAF with a release from the shelter as supporting documentation

DEATH

Death of applicant (charitable class member) or applicant’s immediate family member. An immediate family member is defined as: spouse or partner in a civil union or domestic partnership, parent/parent-in-law/step-parent, child/child-in-law/step-child, sibling/sibling-in-law/step-sibling, grandparent/grandparent-in-law/step-grandparent, grandchild/grandchild-in-law/step-grandchild. A domestic partnership is defined as “an on-going and committed spouse-like relationship between adults.”