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& Dismemberment Insurance
Between the rent or mortgage, food, clothes, transportation, medical bills, college and other family costs, it's not just the personal loss families have to struggle with, but the financial loss as well. The possibility of losing a loved one due to an accidental death emphasizes the need for Enhanced coverage, and for union members, this added protection is available for less than you may think. 
When you have a family to protect, it's easy to see the benefits of enhanced coverage.
Inflation guard - your base benefit increases automatically to help keep your benefit amount in line with the increasing cost of living. This benefit increases for a maximum of 10 years, up to 125% of the Principle Sum. Already have accident insurance? This benefit pays in addition to any other insurance. Your coverage for Voluntary Benefits terminates on the earlier of: a) the date the Policy is terminated; b) the date You request that Voluntary Benefits be terminated; c) the date You cease to be a resident of the United States or d) the Premium Due Date on which You fail to pay any required premium for Voluntary Benefits, subject to the Individual Grace Period Provision. Guaranteed to be issued - no health questions, no medical exam, and no exclusions based on pre-existing conditions. Strike waiver of premium - premium will be waived for up to one year during a union-sanctioned strike or lockout lasting 30 days or more. May not be available for all unions or in all states. 60-day free review period with satisfaction guarantee. You are covered anytime, everywhere - 24 hours-a-day, 7-days-a-week. In addition to accidental death, you also receive benefits for loss of limbs, speech, hearing or sight. Click here to see table of dismemberment benefits.
Benefit options - You can purchase $25,000 to $200,000 base benefit amount of Enhanced coverage, and you automatically receive the following additional benefits. Please note that these additional benefits are available for the member only, not for the spouse/domestic partner, or dependent children:
- An additional $100,000 for accidental death while riding as a passenger on any common carrier, such as, an airplane, train, bus or taxi.
- An additional $50,000 for workplace accidental death.
- An additional $25,000 for accidental death resulting from a motor vehicle accident or as a pedestrian.
"Base benefit amount" means the amount you want your beneficiaries to receive in case of accidental death. No matter what base amount you choose, these additional benefits always apply. Depending on the type of accident, your beneficiaries could receive the additional benefits. Example1: If an accidental death** results from a motor vehicle accident or as a pedestrian, your beneficiary would receive the base benefit plus $25,000. If you purchased a base benefit amount of $100,000 of Enhanced coverage, your beneficiary would receive $130,000 ($100,000 base benefit amount + $25,000 for motor vehicle accidental death + $5,000 no-cost coverage). Example 2: If an accidental death** occurs due to injury sustained while riding as a passenger on any common carrier - such as an airplane, train, bus or taxi - your beneficiary would receive an additional $100,000. If you purchased a base benefit amount of $100,000 of Enhanced coverage, your beneficiary would receive $201,000 ($100,000 base benefit amount + $100,000 for common carrier accidental death + $1,000 no-cost coverage). - You can purchase this coverage for:
- yourself only - individual, or
- yourself and your entire family - including spouse/domestic partner and dependent children.
**Death must occur within 365 days of the injury in order for the benefit to be payable to the beneficiary.
- No-cost coverage - only for union members ages 18 and over.
- Enhanced coverage: member or family eligibility
- Union members and spouse or domestic partner ages 18 and over.
- Spouse or domestic partner and children can be combined into one family policy with member.
- Union member and spouse or domestic partner must both reside in the U.S.
- Children are covered to age 19 (24 if full-time student).
- Available in all states and the District of Columbia - not available in Canada or U.S. territories.
After age 70, Enhanced coverage benefits reduce by half. Rates and/or benefits may be changed on a class basis. Rates shown are countrywide except for Washington. For Washington rates, please call 1-800-393-0864 or click here. Spouse/domestic partner benefit is 50% of union member's selected benefit; children's coverage is 10% of union member's selected coverage.
Choose 1 of 3 enrollment options:
Questions? Call 1-800-393-0864. For additional information, including effective date and termination, please refer to the FAQ Section
Wondering what is not covered by this insurance program? Read exclusions here. Policyholder: AFL-CIO Mutual Benefit Fund. Policy Form # 7582 A2 (9920)/Policy # ADD-9920. In CA: Association Group Insurance Administrators, License #0155705. John B. Wigle, License #0482924. Underwritten by: Hartford Life and Accident Insurance Company, Simsbury, CT 06089. This web site explains the general purpose of the insurance described, but in no way changes or affects the Master Policy (ADD-9920) 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. |
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