Union Plus
Accidental Death and Dismemberment Insurance Plan

Build a strong safety net for your family

Losing a loved one is not only a personal loss but a financial one. Accidental Death and Dismemberment insurance helps your family make ends meet in case you die, lose a limb, lose your sight or you’re paralyzed as a result of a covered accident. 

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Go to My Account to set up Auto-Pay, make a one-time payment, review important product information and more.

Accidental Death and Dismemberment Insurance provides peace of mind

An accident can happen when you least expect it. If it happens to you, will your family have the help they need? It pays to be a union member, and it pays to have added protection with Union Plus. Choose protection up to $200,000 at affordable group rates–because in case of a covered accidental death, your family may need the added financial protection. 

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How is Accidental Death and Dismemberment coverage different from life insurance?

While life insurance typically provides benefits to an individual's family no matter how a death occurs, accidental death and dismemberment coverage provides benefits to victims and their family only in the case of an accident (for example, a car accident or a work accident). It does not provide benefits, for instance, for individuals who die naturally or due to an illness. And unlike life insurance, accidental death and dismemberment coverage provides benefits if the insured loses a limb, speech, hearing or sight from a covered accident. 

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Accidental Death and Dismemberment coverage you can count on  

When you have a family to protect, it's easy to see the benefits of enhanced coverage. You'll be covered worldwide, 24 hours a day, 365 days a year…commuting, shopping, at home, work, school, or play. 

Already have accident insurance? This AD&D insurance plan will pay your benefits regardless of any other insurance you may already have. 

  • 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. 
  • Inflation guard—your Principal Sum at the time of claim is multiple by 5% every two years of continuous coverage under the Policy to a maximum of 10 years subject to a maximum of 25% of the injured person’s amount of original Principal Sum. 
Accidental Death and Dismemberment Benefit Chart
Insured Person Under age 70 Insured Person. age 70 and Over Covered Spouse/ Domestic partner Under age 70 Covered Spouse/ Domestic partner age 70 and Over Covered Child
Life 100% 50% 50% 25% 10%
Both Hands or Both Feet or Sight of Both Eyes 100% 50% 50% 25% 10%
One Hand and One Foot 100% 50% 50% 25% 10%
Speech and Hearing in Both Ears 10 Speech 0% 50% 50% 25% 10%
Either Hand or Foot and Sight of One Eye 100% 50% 50% 25% 10%
Either Hand or Foot 50% 25% 25% 12.5% 5%
Sight of One Eye 50% 25% 25% 12.5% 5%
Speech or Hearing in Both Ears 50% 25% 25% 12.5% 5%
Thumb and Index Finger of Either Hand 25% 12.5% 12.5% 6.25% 2.5%

All coverage is reduced by 50% at age 70 and older. This reduction also applies even if you have attained the age of 70 when you first obtain coverage. Spouse or domestic partner coverage is 50% of union member’s selected coverage; children’s coverage is 10% of union member’s selected coverage. 

Coverage options 

You can purchase $25,000 to $200,000 in $5,000 increments of coverage, and you automatically receive the following benefits. 

  • An additional $100,000 for accidental death while riding as a passenger on any common carrier, such as, an airplane, train, bus or taxi available for the member only. 
  • An additional $50,000 for workplace accidental death for the member only. 
  • An additional $25,000 for accidental death resulting from a motor vehicle accident or as a pedestrian available for the member, spouse or domestic partner and dependent children. 

Example 1: If an accidental death results from an accident at work, your beneficiary would receive the base benefit amount plus $50,000. If you purchased a base benefit amount of $100,000 of coverage, your beneficiary would receive $150,000 ($100,000 base benefit amount + $50,000 accidental death at work). 

Example 2: If an accidental death results from a motor vehicle accident or as a pedestrian, your beneficiary would receive the base benefit amount plus $25,000. If you purchased a base benefit amount of $100,000 of coverage, your beneficiary would receive $125,000 ($100,000 base benefit amount + $25,000 for motor vehicle accidental death). 

Union Plus Accidental Death and Dismemberment coverage monthly rates
Coverage Level Member Coverage Family Coverage
$25,000 $3.27 $4.00
$50,000 $5.24 $6.70
$75,000 $7.21 $9.40
$100,000 $9.19 $12.10
$125,000 $11.16 $14.80
$150,000 $13.13 $17.50
$175,000 $15.10 $20.20
$200,000 $17.07 $22.90

Rates and/or benefits may be changed on a class basis. 

If you select a credit card or checking/savings (ACH), as your payment method, your premiums will be charged monthly. For direct billing (paper bill) you will be billed quarterly. 

 

Ready to save?

Accidental Death and Dismemberment insurance helps your family make ends meet in you case you die or lose a limb as a result of a covered accident.

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FAQ

Your questions, answered. 

Need Help?

Speak to a Union Plus Insurance Representative at 800-393-0864 (8 a.m. to 7 p.m. ET, weekdays). 

You may also contact the Union Plus Member Advocate, an OPEIU Local 2 member, at 800-472-2005 (8:30 a.m. to 4:30 p.m. ET, weekdays). 

Accidental Death & Dismemberment Insurance Terms & Conditions 

EXCLUSIONS: THE POLICY DOES NOT COVER ANY LOSS CAUSED OR CONTRIBUTED BY: 

  • intentionally self-inflicted Injury, suicide or attempted suicide, whether sane or insane; 

  • war or act of war, whether declared or not; 

  • Injury sustained while On any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft; 

  • Injury sustained while On any aircraft: a) if it is owned, operated or leased by or on behalf of the Policyholder, or any employer or organization whose eligible persons are covered under The Policy; b) being used for tests, experimental purposes, stunt flying, racing or endurance tests; 

  • Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless as prescribed by or administered by a Physician; 

  • Injury sustained while committing or attempting to commit a felony; or 

  • Injury sustained while Intoxicated. Intoxicated means: 1) the blood alcohol content; 2) the results of other means of testing blood alcohol level; or 3) the results of other means of testing other substances; that meet or exceed the legal presumption of intoxication, or under the influence, under the law of the state where the accident occurred. 

Termination: Your coverage as an insured person terminates on the earlier of: a) the date the policy is terminated; or b) the date you are no longer a resident of the United States; or c) the date the policyholder terminates coverage or ceases to pay the required premium. Coverage of each eligible dependent terminates on the premium due date on or next following the earlier of: a) the date you cease to be an insured person; or b) the date he or she ceases to qualify as an eligible dependent.  

Policyholder: AFL-CIO Mutual Benefit Fund. 

Amy Cybyske, Licensed in all applicable jurisdictions.

Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155. 

A.G.I.A., Inc. is the Plan Administrator that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. 

Union Privilege is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive. 

This is a participating group policy under which dividends and/or experience credits may be paid to the group policyholder. 

This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy (ADD- 13264) 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.  

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. 

IMPORTANT NOTICE — THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. 

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent. 

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