Whether it's from an illness or an accident, hospitalization is something we may not be able to avoid.

Health insurance might cover the majority of hospitalization costs, but it doesn't cover them all.  It doesn't help pay the mortgage,  your day-to-day bills outside the hospital or extra expenses like child care or a caretaker.

Additionally, with hospital stays becoming increasingly shorter, it's more likely you'll still be in recovery when you return home unable to work and may be in need of receiving some sort of home health care.

The problem is that most home health care - as provided by a nurse, therapist, or other medical assistant coming to your home - is often an "out-of-network" expense that many carriers will impose "caps" and "benefit limits" on.

Also, many health insurance carriers will not cover the expenses for any modifications you might need to make in your home during recovery - like a ramp, a bathroom railing or other device to help you in your basic daily needs.

The resulting bills can add up quickly. And when you're not working, you can't count on your loved ones to pay all the expenses.

UnionSecure's Short-term Recovery Plan begins paying you after one day of confinement in the hospital. And then, it can keep paying.

How it Works - Double Recovery protection

1. Hospital Confinement benefit - First, you'll get paid a lump-sum based on the number of days you are confined to the hospital - with a minimum stay of 24 hours to qualify.
2. Home Recovery benefit - After you're released and return home, you'll automatically receive a second lump-sum amount paid to you based on the number of days you were hospitalized. This lump sum is not based on how many days you stay home or what care you need. It's truly extra money to help with extra expenses.

How much it pays

Hospital Recovery and Home Recovery Benefits
Total Number of Days In Hospital	Hospital Confinement lump-sum benefit	Home Recovery lump-sum benefit (2X Hospital Benefit)		Total Benefits Available
1 - 4	$250	$500		$750
5 - 14	$500	$1,000		$1,500
15+	$2,000	$4,000		$6,000

*Up to $6,000 in lump-sum cash benefits for each hospitalization and recovery period.

Examples of how the benefit works

Example 1: Let's say you hurt your back while moving a pile of leaves in your backyard into a lawn bag. When you go to the hospital, the doctor has you stay for 2 days, and then recommends physical therapy. In this example, you would receive a total of $1,000 in lump-sum benefits.

Your benefit amounts for Hospital Confinement and Home Recovery Benefit are based on the number of days you spend in the hospital.

Example 2: You are involved in a serious car accident. You are confined to a hospital for 15 days and once you go home, your doctor prescribes physical therapy. In this example, you would receive $6,000 in lump-sum benefits.

As you can see, your benefit amounts for Hospital Confinement and Home Recovery Benefit are always based on the number of days you spend in the hospital.

How much it costs

Premium doubles if both the member and spouse choose coverage.

Children are eligible for 50% of the insured person's hospital confinement and recovery amounts.

Why choose a UnionSecure Short-Term Recovery Plan?

• Total protection -  illness or an injury -  from the hospital bed to your own.  Double Recovery Protection pays two lump-sums in benefits directly to you for hospitalization and home recovery. Each lump-sum is based on the number of days you spend confined to the hospital.  No Home Recovery benefits will be paid for confinement due to Mental, Nervous or Emotional disorders.
• Guaranteed to be issued - no health questions or medical exam. Even pre-existing conditions are covered after a member is treatment-free for at least 12 months or, once coverage is in force for 12 months.
• Guaranteed to you and your spouse - ages 18-64. And guaranteed to pay benefits for any hospitalization, anytime -  you have 24 hour coverage.
• Pays in addition to any other insurance, and pays directly to you -  it's added protection that fills the gap left by most insurance plans. And you choose what to spend your monthly benefits on.
• Benefits do not decrease with age.  At age 65, you are guaranteed enrollment in the Senior Short-Term Recovery Plan with no pre-existing condition exclusion.
• Strike waiver of premium - premium will be waived for up to three months if you are involved in a union-sanctioned strike or lockout. Not available in all states or for all unions. 
• 60-day free examination with a money-back guarantee.
• Expansive coverage - includes coverage for all hospitalization including Veteran's Administration and government hospitals.
• Mental health benefit - limited coverage for hospital confinement due to mental, nervous or emotional disorders.

Eligibility:

• For members and their spouses or domestic partners, age 18-64, who have primary health coverage. 
• Children under age 19 (under 26 if full-time student) can be covered at 50% of the member's benefit. 
• Coverage terminates at age 65.
• Members insured under the Short-Term Recovery Plan are automatically eligible for the Senior Short-Term Recovery Plan at age 65, with no underwriting requirement. The pre-existing condition limitation will be waived if the pre-existing limitation requirement has been satisified while covered under the Short Term Recovery under 65 plan.
• Product is available in most states. Not available in Canada or U.S. territories.

Pre-existing conditions:

Mental, Nervous, Emotional disorders coverage limitation:
There is limited coverage for hospital confinement due to mental, nervous or emotional disorders. Benefits will be paid based on a maximum length of 10 days per Period of Confinement and a maximum lifetime aggregate benefit period of 60 days for all Hospital Confinements. No Home Recovery benefits are paid for mental, nervous or emotional disorders.

Enroll now - Find out about the three easy ways to enroll.

Questions? Call 1-800-393-0864.

Is there any time when you wouldn't be covered? Read exclusions here.