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“your involuntary termination of employment or layoff that occurs more than 15 days after your effective date and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff.”This is ideal for everyone with the mass layoffs occurring in our country. This type of insurance is great because it helps consumers transfer some of the burden. CSA charges 6.5% of the total charges. This minimal cost is a huge relief if something goes wrong!