UnionSecure Comprehensive Accident Plan Details

Did you know that nearly 9 out of 10 deaths and about two-thirds of the disabling injuries suffered by American workers in 2002 occurred off-the-job?¹

Comprehensive accidental coverage is for union members aged 18 to 59 who want to avoid financial hardship and ensure financial well-being for their family.

You have a choice between two benefit levels:

• $50 a day for hospitalization (up to 500 days), and
• $500 a month for disability up to one year (after a 60-day wait period); and 
• $50,000 for accidental death.

• $100 a day for hospitalization (up to 500 days), and
• $1,000 a month for disability up to one year(after a 60-day wait period); and 
• $100,000 for accidental death.

Even if you already have life insurance, it may be essential to supplement it with a plan that pays you while you are hospitalized due to an accident.

CAP is an all-in-one solution, combining three different types of coverage, including:

• Hospitalization due to an accident. Your coverage begins the first day you're in the hospital and continues for up to 500 days of being in the hospital - no waiting period necessary - no matter how minor.
• Disability due to an accident.  After 60-day qualification period, the policy pays you, in addition to your hospitalization benefit, a monthly benefit for up to12 months if you are Totally Disabled and unable to perform the activities of your usual occupation as a result of the accident. Your disability payment cannot exceed 70% of monthly wages.
• Accidental death. Provides financial relief for any accidental death - including a death that occurs up to a year (365 days) after the original accident which caused the fatal injuries.

It's coverage you and your family can rely on:

• Guaranteed to be issued - no health questions or medical exam required to enroll.
• Premiums do not increase and benefits do not decrease with age - you won't pay more for your coverage, or lose any of your benefits, until the policy terminates at age 65.
• Strike waiver of premium - we will pay your premium for up to one year if you are involved in a union-sanctioned strike or lockout. May not be available in all states or for all unions.
• To better accommodate seasonal workers - whose job schedules change throughout the year - eligibility is based on an average of 260 hours worked per calendar quarter.

Wondering what is not covered by this insurance program? Read exclusions here

Eligibility

• Union members and spouses or domestic partners ages 18-59. The policy terminates at age 65.
• Spouse or domestic partner can purchase coverage separately even if the union member does not apply.
• Spouse or domestic partner may select a different benefit level than member.
• Eligibility is based on working 20 hours or more a week or an average of 260 hours per calendar quarter.
• Available in all 50 states and the District of Columbia - not available in Canada or U.S. territories.

 
Learn more

Choose 1 of 3 enrollment options:

• Complete a secure online application. It's easy, safe and takes less than 5 minutes!
• Click here to download an enrollment form.
  Print it, fill it out and mail it in!
  (It's an AdobeAcrobat file, get a free reader by clicking here).
  
  
• Request an application via mail:
• By calling 1-800-393-0864
• By completing an online request form

Wondering what is not covered by this insurance program? Read exclusions here.

¹ National Safety Council, Injury Facts®, 2003 Edition

Policyholder: AFL-CIO Mutual Benefit Fund Policy Form #: 7582 A2 (HLA) (9926)/Policy #: ADD-9926 In CA: Association Group Insurance Administrators, License #0155705. John B. Wigle, License #0482924. Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06104-2999.

This Web site explains the general purpose of the insurance described, but in no way changes or affects the Master Policy ADD-9926 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.