Build a strong safety net for your family

Union Plus Accidental Death and Dismemberment Insurance is available to: 

• All active members, associate members, employees and retirees and their legal spouses/domestic partners (not legally separated or divorced from the member), over age 18 and who reside in the United States, are eligible to enroll. 
• Spouse/domestic partner and children can be combined into one family policy with member. 
• Dependent children are covered to age 19 (under age 25 if full-time student). 

When both spouses or domestic partners are eligible members, each may apply as “member.” However, coverage may not be duplicated by applying as dependents of the other. 

Children can only be covered by one spouse or domestic partner. 

Common Carrier refers to any mode of transportation operated by a business, other than the Policyholder, organized and licensed for the transportation of passengers for hire and operated by an employee of that business. 

Injury means bodily injury resulting directly from an accident and independent of all other causes. Loss resulting from sickness or disease, or medical or surgical treatment of a sickness or disease, is not covered. The accident must occur while you are covered under the policy. 
 

It pays up to $200,000 benefit amount for loss of life due to accidental injury. Coverage for the loss of a limb, speech, hearing or sight ranges from 100% to 25% of the base benefit amount, depending on the type of loss. Your coverage offers optional coverage for family members, which includes spouse/domestic partner and your children. 

Coverage provides: 

• Benefit amounts - $25,000 to $200,000 
• Coverage for family members – spouse/domestic partner and children 

Other benefits: 

• $100,000 for accidental death while riding as a passenger on any common carrier, such as, an airplane, train, bus or taxi. 
• $50,000 for workplace accidental death. 
• $25,000 for accidental death resulting from a motor vehicle accident or as a pedestrian. 
• $100 daily benefit if confined to a hospital due to injury. 
• Additional coverage if you and your spouse or domestic partner die in the same accident or in separate accidents that occur with 24 hours of each other. 
• Double the Principal Sum payable if your dependent child sustains a loss other than loss of life. 
• Additional coverage if you or your dependents sustain a traumatic brain injury within 365 days of an accident. 

Hospital does not include a nursing or convalescent home, skilled nursing facility, a place for the treatment of mental illness, alcoholism, or substance abuse, a clinic or a place for rest, custodial care, or care of the aged. 

See Medicare notice.

Hospital does not include a nursing or convalescent home, skilled nursing facility, a place for the treatment of mental illness, alcoholism, or substance abuse, a clinic or a place for rest, custodial care, or care of the aged. 

See Medicare notice.

The inflation guard or anti-inflation benefit is applicable only to the Accidental Death and Dismemberment benefit. If you sustain an Injury which results in death and a Principal Sum (benefit amount) is payable under the Accidental Death and Dismemberment Benefit, we will pay an inflation adjustment in addition to the Principal Sum. 

The anti-inflation benefit will be the amount of your Principal Sum, at the time of the claim, multiplied 5% for every two (2) years of continuous coverage you have been covered under the Policy (to a maximum of 10 years and subject to a maximum of 25%). 

If you purchase coverage, the anti-inflation benefit will be applied separately to your Principal Sum for each amount applied for. If coverage is reduced, any anti-inflation benefit which was increased will be reduced proportionately. The amount of the Principal Sum is indicated in Your Schedule. 
 

Yes, there is a Spouse Continuation provision. See your Certificate of Insurance for details.

Loss means, with regards to hands and feet, actual severance through or above wrist or ankle joints; with regard to sight, speech or hearing, entire and irrecoverable loss thereof; with regard to thumb and index finger, actual severance through or above the metacarpophalangeal joints.

If an insured is in a lawful, authorized strike by a union or is locked out as a result of a dispute between the union and employer, the insured doesn't have to pay premiums on this coverage for up to one year. Waiver may not be available in all states or for all unions.

Premiums will be waived beginning with the first premium due date following the date the strike or lock out begins. Premium payments will be waived for up to one year, but will resume on the earliest of the following: 

• One year from when the strike or lockout began. 
• The next premium due date after resolution. 
• Next premium due date after return-to-work offer, or conclusion of the strike or lockout or 
• Next premium due date after employment is terminated. 

The insured must provide written proof of strike or lock out before waiver of premium begins. It can be a note from the union or a note from the insured within 30 days of a newspaper article, verifying the sanctioned strike or lock out.

If no beneficiary is named, or if no named beneficiary survives you, we may, at our option, pay: 

1. all to your surviving spouse/ domestic partner; or
2. if your spouse/ domestic partner does not survive you, in equal shares to your surviving child(ren); or 
3. your parents; or 
4. your brothers or sisters; or 
5. your estate. 

Yes. 
 

Beneficiaries may be changed at any time by calling 1-800-393-0864.

Yes. You may make changes to your coverage by contacting the Customer Service Department at 1-800-393-0864. 
 

Yes. You may choose this as your payment option during the enrollment process.

Yes. You may choose this as your payment option during the enrollment process.

Coverage is effective the first day of the month following receipt of the enrollment form and payment of the premium. This date appears on the Certificate of Insurance you will receive. 
 

Upon enrollment into this insurance plan, you'll receive a Certificate of Insurance. You have up to 60 days from the Effective Date to review your Certificate of Insurance without any obligation. If you do not like what you see, simply return the Certificate of Insurance within that time frame, and any premiums paid minus any claims paid, will be refunded. Hassle free.