the union labor life insurance company
TRANSCRIPT
ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) INSURANCE
Protection against the financial risk of accidental death or injury.
• 24-hour coverage anywhere.2
• Guaranteed acceptance for eligible members with no medical exam required.
• Additional benefits paid for members for Common Carrier, At-Work and Motor Vehicle fatalities.
COVERAGE FEATURES
• Labor Dispute Waiver of Premium for active union members.1
• Inflation Guard automatically increases the coverage amount by a total of 25% over a 10-year period.
TERM LIFE INSURANCE WHOLE LIFE INSURANCE
Benefits to help assist with your family’s ongoing life expenses.
• Ideal for members and spouses ages 18 to 69.
• Coverage for a specified period of time with a renewal option for an additional term or to convert to Whole Life Insurance.
• Help with your family’s expenses such as mortgage payments, college tuition or loans.
Coverage you can keep to age 100 to help your loved ones with final expenses.
• Guaranteed benefit amounts for the life of the policy.
• Builds cash value over time.
• Members and spouses may apply up to age 80.
COVERAGE FEATURES
• Available “Living” Benefits for organ transplant or terminal illness.1 • Labor Dispute Waiver of Premium for active union members.1
• Acceptance is generally based on your answers to a few health questions on your application.
MAKE THE MOST OF
Life’s Important MomentsIn a rapidly changing workplace, you may be seeking additional coverage options to help protect the people who matter most to you. The Union Labor Life Insurance Company (Union Labor Life) understands the unique needs of union members and offers a variety of affordable coverage options to give you and your loved ones peace of mind. Whether you want to help safeguard your family’s future or take advantage of savings programs and services, we have a solution for you.
HOSPITAL EXPENSE PROTECTION 3
Benefits that are paid directly to you in the event you are hospitalized.
• Hospital Daily Benefits Plan or Hospital Accident Care Plan available.
• Helps cover out-of-pocket expenses like unpaid deductibles, co-payments and other unexpected charges.
• Closes gap between health insurance benefits and total cost of a hospital stay.
COVERAGE FEATURES
• No maximum limit on lifetime benefits.
• Labor Dispute Waiver of Premium for active union members.1
DISCOUNT DENTAL PLAN
Access to discounts to help you and your family save on most dental procedures.1
• Dental plus Vision or Dental plus Vision and Prescription plans available. • Provides additional savings on top of existing dental coverage.
• May include a 20% to 60% discount for most dental procedures. • Open to all eligible members and their families, regardless of age.
UC-SUPPLMENTAL-1/2022
8403 Colesville RoadSilver Spring, MD 20910
202.682.0900 telwww.unioncare.com
FOR MORE INFORMATION OR TO APPLY FOR COVERAGE: VISIT UNIONCARE.COM OR CALL 888-292-7749 8AM TO 7PM ET, MONDAY – FRIDAY
Policies are underwritten and issued by The Union Labor Life Insurance Company, Silver Spring, MD
Exclusions and limitations apply.
1. Not available in all states. Please contact us for details.
2. At age 70, benefits reduce to 50% of the full benefit amount. If you are covered by more than one similar Union Labor Life Certificate or Policy, for which you pay premium, your total face amount of Accidental Death benefits cannot exceed $300,000.
3. At age 80, your benefit amount will reduce by 50%. If you have more than one Certificate or Policy from Union Labor Life providing Hospital Indemnity Benefits, your total daily hospital benefit cannot exceed $500 for each covered person.
If you are a union official and would like more information about endorsing
Union Labor Life’s Supplemental Insurance program, please contact:
Steve KennedyVice President561-596-3850