Plan Details FAQs Exclusions

Many Americans are not prepared to deal with the aftermath of an accident, especially outside the workplace where most accidents occur. UnionSecure offers union members the Comprehensive Accident Plan (CAP) as a way of providing protection for all types of covered accidents - from the minor to the fatal - anywhere they occur.

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

• Income for hospitalization resulting from a covered accident
• Disability resulting from an accident
• Accidental death

It's a comprehensive and economical way to protect your family's financial security from almost any covered accident - it helps pays the bills when you are unable to work.

Benefit options

You can choose from two benefit options:

Option 1

• You receive $50 a day for every day you are in the hospital, and
• You receive up to $500 for every month you are disabled and can't work, or
• Your beneficiary receives $50,000 if the accident proves fatal.

Option 2

• You receive $100 a day for every day you are in the hospital, and
• You receive up to $1,000 for every month you were disabled and couldn't work, or
• Your beneficiary receives $100,000 if the accident proves fatal.

You can purchase this coverage:

• for yourself, or
• for your spouse or domestic partner - he/she is eligible even if you don't apply

UnionSecure's CAP provides protection that is hassle-free and you are guaranteed acceptance:

Typically, disability coverage alone does not provide a benefit that can also pay you during your hospitalization. UnionSecure's CAP plan offers two benefit options with the following built-in features:

• This policy pays you from the first day of hospitalization.
• You receive benefits in addition to any other insurance you may already have.
• Guaranteed to be issued - no health questions, medical exam, or exclusions based on pre-existing conditions.
• 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 wil 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.
• You are covered anytime, anywhere - 24 hours a day.
• You have a 60-day review period with a satisfaction guarantee.

We designed this plan to stay affordable.  To control costs this plan excludes certain losses.  Read the complete list of exclusions.

Your coverage terminates on the earlier of: a) the date the policy is terminated; or b) the Premium Due Date on or next following the date you: 1) cease to be a member of the Policyholder; 2) cease to be Actively-at-Work; 3) attain age 65; 4) no longer reside in the United States; or 5) fail to pay any required premium contribution.

Coverage of your Eligible Dependent terminates: a) on the Premium Due Date your coverage ceases; or b) on the Premium Due Date on or next following the date: 1) of legal separation or divorce from you; 2) he or she ceases to be Actively-at-Work; or 3) he or she attains age 65.

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.

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, 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-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.