Hospital Income


The cost of specialized services has risen steeply over the past decade, especially in the medical field.  Help shield yourself and your family from the high cost of hospitalization with the supplemental PIA Trust Hospital Income Plan.

Amounts of Insurance
Benefits are available from $50 daily to $200 daily in $50 increments and are payable on the first day of hospital confinement.  Maximum daily benefit available in New York is $150.

Spouse Coverage may not exceed the daily benefit amount of the eligible person.

Dependent children are eligible for up to 50% of the eligible person's daily benefit amount.

The daily benefit when added to all the other in-force hospital income coverage from any company can not exceed $750 per day.

The maximum daily benefit will be reduced to $100 on the premium due date that follows the covered person's 65th birthday.

Benefit Period Options
Coverage provides benefits for each day of hospital confinement.  Payment is limited to 500 days as a result of any one injury or sickness.

Additional Benefits

  • Intensive Care Confinement
  • At Home Recovery
  • Skilled Nursing Home Confinement
  • Continuous Confinements

Who Is Eligible To Apply?
A person described below is an eligible person if he or she:

  • is under age 60 at time of application
  • works at least 20 hours per week; and
  • resides in the United States

Individual proprietors, partners, corporate officers, limited liability partners, and managers of Member Agencies who are principally engaged in the business of the Member Agency and who maintain current membership status in the National Association of Professional Insurance Agents;

Trustees of PIA Services Group Insurance Fund who maintain current membership status in the National Association of Professional Insurance Agents;

Persons employed as executive directors, department heads, division heads, or senior staff of the National Association of Professional Insurance Agents, a local PIA affiliate, or PIA Services, Inc.

Licensed employees of Member Agencies;

Independent Producers who:

  • work exclusively for a Member Agency;
  • maintain current membership status in the Professional Insurance Agents;
  • receive from the Member Agency a monthly commission which, when combined with any draw against commission, equals an amount not less than minimum wage times 150 hours; and
  • are certified by the Member Agency as working at east 30 hours per week.

Employees of a Member Agency;

Employees of PIA Services Group Insurance Fund;

Employees of the National Association of Professional Insurance Agents or its local PIA affiliates; and

Employees of PIA Services, Inc.

For complete highlights of this coverage, please download the Hospital Income Insurance Brochure (251k pdf)

PIA National membership, when required, must be current at all times, please see the Eligibility section in the policy for membership exceptions.  

The complete listing of your coverage including exclusions and limitations can be found in the group policy/certificate.  If differences exist between this summary and the policy/certificate, the policy/certificate will govern. To obtain a sample certificate, please contact the Plan Administrator.

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