UnionSecure Comprehensive Accident Plan Details

UnionSecure's Comprehensive Accident Plan is limited accident only coverage for union members aged 18 to 59 who want to help avoid financial hardship and ensure financial well-being for their family.

You have a choice between two benefit levels:

Option 1
You and your family receive coverage for:

• $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 subject to many offsets); and 
• $50,000 for accidental death.

Option 2
You and your family receive coverage for:

• $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 subject to many offsets); and 
• $100,000 for accidental death.

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

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

• Hospitalization due to a covered 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 a covered accident.  After 60-day elimination 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. 
• 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

Low Monthly Premiums
	Monthly Premium	Accidental Death Coverage	Hospital Per Day Coverage	Disability Per Month Coverage
Individual - for union member or spouse/domestic partner	9.28	$50,000	$50	Up to $500
	18.62	$100,000	$100	Up to $1,000
Couple - for union member and spouse/ domestic partner	18.56	$50,000	$50	Up to $500
	37.24	$100,000	$100	Up to $1,000

* Rates shown are countrywide except for Washington. For Washington rates, please call 1-800-393-0864 or click 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. Eligibility for AFA members is based on working 240 block hours on an average basis 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

Questions? Call-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.

¹ National Safety Council, Injury Facts®, 2003 Edition

Policyholder: AFL-CIO Mutual Benefit Fund Policy Form #: GBD-1000A (ADD-9927)(DC) 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-9927 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.