Life Insurance with Accidental Death & Dismemberment (AD&D)
Life Insurance provides essential financial protection for your loved ones in the event of your passing. It can help cover expenses such as mortgages, education, and daily living costs, ensuring that your family maintains their quality of life. Knowing that you have adequate coverage offers peace of mind, reducing the financial stress that can follow a tragic loss.
Get Started
Enrollment is simple and only takes a few minutes.
Information you will need
– Employment & Income Information
– Spouse & Dependent Dates of Birth & Contact Information
– Bank Account & Routing Numbers
Plan Details
Member coverage available up to $200,000 in $10,000 increments.
Coverage includes an equal amount of Accidental Death and Dismemberment.
– If death is caused by an accident, the benefit doubles.
No medical questions or tests.
Life coverage is convertible and portable.
Coverage is 24/7 on and off the job.
Spouse and Dependent Life coverage available when Member Life/AD&D is elected.
– Spouse can be covered up to $25,000 in $5,000 increments.
– Dependents are eligible for a flat $15,000 of coverage.
– Spouse and Dependent elections cannot exceed 50% of Member election.
Member Life Insurance with Accidental Death & Dismemberment (AD&D)
| MEMBER | MONTHLY COSTS | ||||||||||||||||
| COVERAGE | AGE <40 | AGE 40-49 | AGE 50+ | ||||||||||||||
| $50,000 | $14.00 | $22.00 | $26.50 | ||||||||||||||
| $100,000 | $26.00 | $42.00 | $51.00 | ||||||||||||||
| $150,000 | $38.00 | $62.00 | $75.50 | ||||||||||||||
| $200,000 | $50.00 | $82.00 | $100.00 | ||||||||||||||
*For additional benefit amounts not shown, please click here for the Cost Calculator or call (224) 770-5307.
Spouse Life Insurance with Accidental Death & Dismemberment (AD&D)
| SPOUSE | MONTHLY COSTS | ||||||||||||||||
| COVERAGE | AGE <40 | AGE 40-49 | AGE 50+ | ||||||||||||||
| $5,000 | $3.20 | $4.00 | $4.45 | ||||||||||||||
| $25,000 | $8.00 | $12.00 | $14.25 | ||||||||||||||
*Spouse costs are based on Member’s age. For additional benefit amounts not shown, please click here for the Cost Calculator or call (224) 770-5307.
Dependent Life Insurance with Accidental Death & Dismemberment (AD&D)
| DEPENDENT | MONTHLY COSTS | ||||||||||||||||||||||||
| COVERAGE* | UNDER 26 YEARS OLD | ||||||||||||||||||||||||
| $15,000 | $3.00 | ||||||||||||||||||||||||
*One cost covers all Dependents.
Important information about this plan
IMPORTANT: The monthly cost for coverage is based on your age at the start of the coverage and will increase on the policy anniversary date after you move into a new age bracket.
Participation in this program is voluntary, and the decision to enroll rests solely with the Members. Members are responsible for bearing all associated costs. A $3 technology fee is included in all listed monthly costs for the following coverages: Short-Term Disability and Long-Term Disability. A $2 technology fee is included in all listed monthly costs for the following coverages: Member Life and Spouse Life.
This voluntary benefit plan is classified as a Safe Harbor plan and, as such, is not subject to the Employee Retirement Income Security Act of 1974 (ERISA). The BLET does not contribute to the premiums for this plan on behalf of its Members, does not endorse the plan, and does not require Members to enroll in the plan.
IMPORTANT: If you leave the union or retire, it is your responsibility to contact our office immediately at (224) 770-5307. Failure to do so within 90 days will forfeit your ability to keep coverage and receive any refunds.
We encourage Members to thoroughly review the complete policy booklet. Email info@unionone.com to request a copy.
This program is administered by Union One Benefits Administration.
FOR AD&D, STD & LTD: THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
For STD & LTD: These policies provide disability income insurance only and do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
For Life: You have 31 days to notify Union One of your retirement if you wish to port or convert your Life Insurance.
North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.
Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500.
Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
