How does an assessment differ from the deposit and dues?

• An assessment is similar to a traditional insurance premium.

What is the assessment used for?

• In combination with the income earned on the deposits, assessments are primarily used to pay for defense costs, settlements and judgments.

How are the Assessments determined?

• HAPI's approach to pricing is based on costs. There is no profit motive.

• Each specialty pays an assessment appropriate to their risk class, which is based upon industry and HAPI claims experience.

Must I continue to pay for my Assessments if I become totally disabled?

• No. You do not pay assessments while you are deemed totally disabled HAPI.