Union Plus
Senior Accidental Death Insurance Plan

Accidents can happen, especially when you’re older

The Union Plus Senior Accidental Death Insurance Plan offers your family a stronger financial safety net. Union members and their spouses/domestic partners can each add up to $100,000 of Accidental Death Insurance coverage.

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

How is Senior Accidental Death coverage different from life insurance?

While life insurance typically provides benefits to an individual's family no matter how a death occurs, Senior Accidental Death coverage provides benefits to victims and their family only in the case of an accident - for example, a car accident or a work accident. It does not provide benefits for individuals who die naturally or due to an illness.

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Guaranteed acceptance regardless of health 

As a union member between age 50 and 74 and residing in the United States, you can add up to $100,000 of Accidental Death Insurance benefits. This coverage is guaranteed acceptance and is available to union members and their spouses/domestic partners for less than you may think. 

  • Up to $100,000 of Accidental Death Insurance Benefits. 
  • Benefit amounts do not decrease due to age. 
  • Guaranteed acceptance regardless of health. 
  • NO Medical Exam. 
  • NO rate increase due to age or change in health. 
  • NO cancellation based on your age or change in your health or employment. 
  • Pays 50% more for wearing a seatbelt during a covered auto accident. 
  • Pays DOUBLE for a common carrier covered accident. 
  • Coverage effective immediately - no "waiting period". 
  • Premium "waived" in event of union strike/lock out. (May not be available for all Unions.) 
  • Spouses/domestic partners are eligible to enroll at union member's rate. 
  • Pays your beneficiary(ies) in addition to ANY other coverage you may have. 
  • NO RISK 60-Day Satisfaction. Guarantee. If not completely satisfied - 100% refund of your premium less any claims paid. 

Union Plus Senior Accidental Death Insurance coverage 

Purchase $25,000 to $100,000 base benefit amount of coverage, and you automatically receive the following benefits. Spouse/domestic partner coverage is also available at the union-member rates. 

Benefit Amounts Do Not Decrease Due To Age
Accidental Death Benefit $100,000 $50,000 $25,000
+ 50% additional "seat belt" benefit* $50,000 $25,000 $12,500
+ DOUBLE "common carrier" benefit (bus, train, plane, taxi, subway, etc.) $100,000 $50,000 $25,000
Total this plan may pay up to: $200,000 Total this plan may pay up to: $100,000 Total this plan may pay up to: $50,000

*The seat belt benefit is not payable for accidents which occur while on a Common Carrier. 

Rates and/or benefits may be changed only on a class basis. You cannot be singled out for a rate increase for any reason, including change in health or employment. 

Accidental Death Benefit — We offer benefit levels of $25,000, $50,000 or $100,000 if a member sustains an injury that results in loss of life with 365 days of the date of the covered accident. 

Common Carrier Benefit - Double the principal sum if injury occurs while the insured is on a common carrier, not to exceed $300,000. 

Seat Belt Benefit - Additional 50% of principal sum, not to exceed $75,000, if injury occurs while the injured person was a passenger or licensed operator of a properly registered motor vehicle and was wearing a seatbelt at the time of the accident as verified on the police accident report. If it cannot be determined then $1,500 will be paid.

Union Plus Senior Accidental Death Insurance monthly rates

As a union member you know there is strength in numbers. That is why your union and Union Plus can offer this valuable accidental death insurance at affordable rates not available to the general public.

Union Plus offers you the opportunity to choose your accidental death benefit level - $25,000, $50,000 or $100,000. And you spouse/domestic partner is eligible for the same coverage at the same union-member rate.


Monthly Premium Rates
Option A $100,000 Option B $50,000 Option C $25,000
Self $16.00 $8.00 $4.00
Spouse/Domestic Partner $16.00 $8.00 $4.00

Rates and/or benefits may be changed only on a class basis. You cannot be singled out for a rate increase for any reason, including change in health or employment. 

If you select a credit card or checking/savings (ACH), as your payment method, your premiums will be charged monthly. For direct billing (paper bill) you will be billed quarterly. 

Ready to save?

Union Plus Senior Accidental Death Insurance provides benefits to your family in case you fall victim to an 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). 

Senior Accidental Death Insurance Terms & Conditions 


The Policy does not cover any loss caused or contributed to by: 

  • 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:  

    • 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     

    • 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 riding or driving in a scheduled race or testing any Motor Vehicle on tracks, speedways or proving grounds; 

  • 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. 


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. 

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 website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy (ADD-13272) 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 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. 

Amy Cybyske, Licensed in all applicable jurisdictions.

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.