Union Plus
No Cost Accidental Death Insurance Plan

An accident can happen when you least expect it

If an accident happens to you, your family may need extra money to help make ends meet. Accidental Death insurance provides peace of mind for your family in case you die as a result of a covered accident.

Go to My Account to set up Auto-Pay, make a one-time payment, review important product information and more.

No Cost Accidental Death Insurance exclusively for union members

It pays to be a union member. Enroll now to receive up to $20,000 of our No Cost To You Accidental Death Insurance Plan provided exclusively by Union Plus for one full year. Your coverage is guaranteed—there are no health questions, no medical exam, and no exclusions based on pre-existing conditions. 

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About No Cost Accidental Death Insurance

You'll be covered worldwide, 24 hours a day, 365 days a year… commuting, shopping, at home, work, school, or play. 

Already have accident insurance? This Accidental Death insurance plan will pay your benefits regardless of any other insurance you may already have. 

Enroll today to receive up to $20,000 in Accidental Death Insurance. There's no charge or commitment required for you to receive this coverage: 

  • $10,000 of coverage for death due to any type of covered accident at home, at work or while commuting or traveling anywhere in the world. 
  • PLUS $10,000 of additional coverage against accidental death from a covered accident at your workplace. 

Rates and/or benefits may be changed only on a class basis. 

One year to the date the No Cost coverage expires, union members may enroll in the Enhanced coverage. For more information on the Enhanced Union Plus Accidental Death and Dismemberment Plan, please go to https://unionplus.org/benefits/insurance/accidental-death-and-dismemberment-insurance-plan.

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Ready to save?

Union Plus Accidental Death Insurance provides peace of mind for your family in case you die as a result of a covered accident.

Enroll now


Your questions, answered. 

Need help?

Speak to a Union Plus Insurance Representative at 800-393-0864 (8 a.m. to 7 p.m. ET, weekdays). 

You may also contact the Union Plus Member Advocate, an OPEIU Local 2 member, at 800-472-2005 (8:30 a.m. to 4:30 p.m. ET, weekdays).



Accidental Death Insurance Terms & Conditions 


  • intentionally self-inflicted Injury, suicide or attempted suicide, whether sane or insane; 

  • war or act of war, whether declared or not; 

  • Injury sustained while On any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft; 

  • Injury sustained while On any aircraft: a) if it is owned, operated or leased by or on behalf of the Policyholder, or any employer or organization whose eligible persons are covered under The Policy; b) being used for tests, experimental purposes, stunt flying, racing or endurance tests; 

  • Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless as prescribed by or administered by a Physician; 

  • Injury sustained while committing or attempting to commit a felony; or 

  • Injury sustained while Intoxicated. Intoxicated means: 1) the blood alcohol content; 2) the results of other means of testing blood alcohol level; or 3) the results of other means of testing other substances; that meet or exceed the legal presumption of intoxication, or under the influence, under the law of the state where the accident occurred. 

No-Cost Termination: Your coverage as an Insured Person terminates on the earlier of: a) the date the policy is terminated; or b) the date you cease to be a resident of the United States; c) the date the Policyholder terminates coverage under the Basic Plan or ceases to pay the required premium; or d) on the date you have been covered for twelve months. 

Policyholder: AFL-CIO Mutual Benefit Fund. 

Amy Cybyske, Licensed in all applicable jurisdictions.

Gallagher Affinity Insurance Services, Inc. administers the insurance on behalf of Hartford Life and Accident Insurance Company. Union Privilege, Inc. is the broker of record and is compensated for the placement of insurance. This is a participating group policy under which experience credits may be paid to AFL-CIO Mutual Benefit Fund.

This web site explains the general purpose of the insurance described, but in no way changes or affects the Master Policy (ADD- 13264) as actually issued. In the event of a discrepancy between this web site and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. Benefits may vary and this program may not be available to residents of all states or in all unions. 

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. 


Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155.

The Hartford Financial Services Group, Inc. (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, Connecticut. For additional details, please read The Hartford’s legal notice at www.thehartford.com.

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.