Union Plus
Senior Accidental Death Insurance Plan

Accidents happen, especially when you’re older

The Union Plus Senior Accidental Death Insurance Plan offers your family a stronger financial safety net. Union members and spouses or domestic partners of union members 50 years and older residing in the United States can add up to $100,000 of Accidental Death Insurance coverage. 

 Enroll now

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

How is Senior Accidental Death coverage different from life insurance?

While life insurance typically provides benefits to an individual's family no matter how a death occurs, Senior Accidental Death 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.  

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Guaranteed acceptance regardless of health 

As a union member or spouse or domestic partner of a union member 50 years and older residing in the United States, you can add up to $100,000 of Accidental Death Insurance benefits. This coverage is guaranteed acceptance and is available to union members for less than you may think. 

  • Up to $100,000 of Accidental Death Insurance Benefits. 
  • Benefit amounts do not decrease due to age. 
  • Guaranteed acceptance regardless of health. 
  • NO Medical Exam. 
  • NO rate increase due to age or change in health. 
  • NO cancellation based on your age or change in your health or employment. 
  • Pays 50% more for wearing a seatbelt during a covered auto accident. 
  • Pays DOUBLE for a common carrier covered accident. 
  • Coverage effective immediately - no "waiting period". 
  • Premium "waived" in event of union strike/lock out. (May not be available for all Unions.) 
  • Spouses or domestic partners are eligible to enroll at union member's rate. 
  • Pays your beneficiary(ies) in addition to ANY other coverage you may have. 
  • NO RISK 60-Day Satisfaction. Guarantee. If not completely satisfied - 100% refund of your premium less any claims paid. 

Union Plus Senior Accidental Death Insurance coverage 

Purchase $25,000 to $100,000 base benefit amount of coverage, and you automatically receive the following benefits. 

Benefit Amounts Do Not Decrease Due To Age
Benefit Selections OPTION A $24.80 per month OPTION B $12.40 per month OPTION C $6.20 per month
All-Cause Accidental Death Benefit $100,000 $50,000 $25,000
+ 50% additional "seat belt" benefit* $50,000 $25,000 $12,500
+ DOUBLE "common carrier" benefit (bus, train, plane, taxi, subway, etc.) $100,000 $50,000 $25,000
Total this plan may pay up to: $200,000 Total this plan may pay up to: $100,000 Total this plan may pay up to: $50,000

*The seat belt benefit is not payable for accidents which occur while on a Common Carrier. 

Rates and/or benefits may be changed only on a class basis. You cannot be singled out for a rate increase for any reason, including change in health or employment. 

Accidental Death Benefit - $25,000 to $100,000 in $1,000 increments if member or dependent sustain an injury that results in loss of life within 365 days of the date of covered accident. 

Common Carrier Benefit - Double the principal sum if injury occurs while the insured is on a common carrier, not to exceed $300,000. 

Seat Belt Benefit - 50% of principal sum minimum $1,500 and maximum $75,000 if the member or dependent sustains an Injury that results in a Loss payable under the Accidental Death Benefit, member will receive an additional Seat Belt Benefit if the Injury occurred while the injured person was: 

  1. a passenger riding in; or 
  2. the licensed operator of; 
    a properly registered Motor Vehicle and was wearing a Seat Belt at the time of the accident as verified on the police accident report. 
Union Plus Senior Accidental Death Insurance monthly rates
Option A $100,000 Option B $50,000 Option C $25,000
Self $24.80 $12.40 $6.20
Spouse/Domestic Partner $24.80 $12.40 $6.20

Rates and/or benefits may be changed only on a class basis. You cannot be singled out for a rate increase for any reason, including change in health or employment. 

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?

Union Plus Senior Accidental Death Insurance provides benefits to your family in case you fall victim to an accident.

Enroll now

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). 

Senior Accidental Death Insurance Terms & Conditions 

Exclusions 
The Policy does not cover any loss caused or contributed to 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:  

    • 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     

    • 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 riding or driving in a scheduled race or testing any Motor Vehicle on tracks, speedways or proving grounds; 

  • 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. 

THIS IS LIMITED ACCIDENT ONLY COVERAGE 

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. 

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

A.G.I.A., Inc. is the Plan Administrator who administers the insurance plan on behalf of Hartford Life and Accident Insurance Company. 

Union Privilege, Inc. is the broker of record and is compensated for the placement of insurance. This is a participating group policy under which experience credits may be paid to AFL-CIO Mutual Benefit Fund. 

This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy (ADD-13272) 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. 

Amy Cybyske, Licensed in all applicable jurisdictions.

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. 

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

SA042021