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�ֲ���ýis now providing *eligible �ֲ���ýstudent members with professional liability (“malpractice”) insurance. That’s right; your �ֲ���ýStudent membership now includes liability insurance when you are *enrolled and engaged in a master’s degree counseling curriculum at a post secondary institution. Coverage is available to �ֲ���ýstudent members solely while performing counseling services (e.g. practicum and internship) related to such curriculum.

Unfortunately, students enrolled in a bachelor degree program, doctoral degree program or other post master's program is not covered through this program.

In an effort to provide you with proof of your “Evidence of Insurance,” you must update your membership student program level status by logging on to the members-only section of the �ֲ���ýwebsite at . Enter your username and password. If you do not know your username and password, or if you wish to update your profile by phone, please contact �ֲ���ýMember Services at 800-347-6647, ext. 222/703-823-9800, ext. 222 (M-F, 8 am – 7 pm, ET). 

PLEASE NOTE: Coverage of the insurance will terminate:

• If your �ֲ���ýmembership is terminated or expires: Your �ֲ���ýmembership expiration date is your policy expiration date. If you are currently a master’s level student, and your membership is due to expire in January or February, or you are currently enrolled or enroll in the three-month payment plan program, you must renew or pay your membership in full before receiving your “Evidence of Insurance.”
• You graduate from the master’s degree program, or
• The �ֲ���ýmaster policy is non-renewed or cancelled.

The policy coverage is as follows:

• Professional Liability Coverage – *Eligible �ֲ���ýstudent members are protected up to $1,000,000 for each claim, up to $3,000,000 annual aggregate subject to a master policy aggregate.
• Legal Defense and investigative costs- If *eligible �ֲ���ýstudent members are named in a malpractice lawsuit, an experienced malpractice attorney will be provided, if necessary. Legal expenses incurred to settle covered claims will be paid - WIN or LOSE. This is in addition to the limits of liability.

*�ֲ���ýStudents who wish to continue insurance through HPSO after graduation or who become a licensed, certified or accredited professional, please apply online at .This program is underwritten by American Casualty Company of Reading, Pennsylvania, a CNA company and is offered through the Healthcare Providers Service Organization Purchasing Group. All products and services may not be available in all states and may be subject to change without notice. This information is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the products and services offered. Only the policy can provide the actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark and trade name registered with the U.S.Patent and Trademark Office.

If you have additional questions regarding the program, or contact �ֲ���ýMember Services toll free at 1-800-347-6647, ext. 222 or 703-823-9800, ext. 222.

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