* The Dues Credit in a covered hardship is the Maximum Benefit Amount shown on your certificate, yet no more than your next Annual Dues amount billed, whichever is less. A waiting period applies to certain hardships. All hardship requests must be submitted and approved by the program manager. This is a general description only, and your waiver certificate will show all benefits, conditions, and exclusions that apply to your waiver benefit. This benefit is not implied, represented, nor act as insurance.
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