Help protect your family from accidents

Accident Disability Insurance Plan coverage and rates 

The Accident Disability Insurance Plan is limited accident only coverage for union members under age 60 who want to help their family. This all-in-one solution combines four 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, a monthly benefit for up to 12 months if you are Totally Disabled and unable to perform the activities of your usual occupation as a result of the accident. 
• Dismemberment benefit provides added financial protection if the insured loses a limb, speech, hearing or sight within 365 days from the covered accident which caused the injury. 
• Accidental Loss of Life benefit is paid if the injury results in the insured's death within 365 days of the covered accident.

You have a choice of three benefit levels. And your spouse/domestic partner may also enroll for coverage with the same union-member rate. 

Option 1:  

• $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 other income benefits); and 
• $100,000 principal sum for disability benefits
• $100,000 accidental death benefit

Option 2: 

• $75 a day for hospitalization (up to 500 days), and 
• $750 a month for disability up to one year (after a 60-day wait period and subject to other income benefits); and 
• $75,000 principal sum for disability benefits
• $75,000 accidental death benefit

Option 3:  

• $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 other income benefits); and 
• $50,000 principal sum for disability benefits
• $50,000 accidental death benefit

Offset provision means the benefit amount payable as the result of the Insured Person’s Total Disability will be the lesser of the Monthly Benefit or 100% of the Insured Person’s Pre-Disability Earnings minus any Other Income Benefits, including those for which the Insured Person could collect but did not apply. If your Monthly Benefit Amount would reduce to less than $50 due to other benefits, including Workers Compensation, then the minimum amount under this benefit will be $50 per month.

This chart is an example illustrating the effect of the disability benefit reduction and is not intended to reflect a particular claimant under the policy.

Union Plus Accident Disability Insurance Plan monthly rates

As a union member you know there is strength in numbers. That is why your union and Union Plus can offer this valuable Accident Disability Insurance Plan at affordable rates not available to the general public. And your spouse/domestic partner is eligible to enroll with these same rates.

The Accident Disability Insurance Plan offers three benefit levels with the following built-in features: 

• This policy pays you from the first day of confinement in a hospital due to a covered injury. 
• You receive benefits in addition to any other insurance you may already have. 
• 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 coverage ends 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 for all unions. 
• You're protected for all covered accidents - 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 in the Terms below. 

Terms 

Accident Disability Insurance Plan Exclusions 

The Union Plus Accident Disability Insurance Plan does not cover any loss resulting from: 

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

• War or act of war, whether declared or undeclared; 

Injury is defined as bodily injury resulting directly from an accident and independently of all other causes. 

CONDITIONS PRIOR TO EFFECTIVE DATE: 

We will not pay a Benefit for any loss or period of Total Disability which: 

• begins during the first 24 months of your insurance; and 

• is a result of a Pre-Existing Condition; unless such Total Disability begins after you have been free of Medical Care for the condition for a 12 month period ending any time on or after your effective date. 

CONDITIONS PRIOR TO EFFECTIVE DATE OF INCREASE IN COVERAGE: 

We will not pay an increased Benefit for any loss or period of Total Disability which: 

• begins during the first 24 months following the date you make a change in coverage that increases your benefits; and 

• is a result of a Pre-Existing Condition unless such Total Disability begins after you have been free of Medical Care for the condition for a 12 month period ending any time on or after your effective date of increase. 

PRE-EXISTING CONDITION MEANS ANY DISABILITY, DIAGNOSED OR UNDIAGNOSED, FOR WHICH MEDICAL CARE IS RECEIVED BY YOU: 

• within the 12 month period prior to the date your insurance starts; or 

• with respect to the limitation for any increase in coverage, within the 12 month period prior to the effective date of your increase in coverage. 

COVERAGE TERMINATION 

Termination:

 Your coverage and your spouse/domestic partner's coverage will end on the earliest of:

1. the date The Policy terminates; 

2. the premium due date on or next following the date you or your spouse/domestic partner attain the Policy Age Limit;  

3. the date you or your spouse/domestic partner cease to be Actively at Work, except due to disability covered by The Policy; 

4. the premium due date any required premium contribution is not made, subject to the Individual Grace Period; or 

5. with respect to your spouse/domestic partner’s coverage, the premium due date  

   • a) he or she is legally separated or divorced from you; or 

   • b) your coverage ends. 

However, if your spouse/domestic partner's coverage would terminate because of your death, coverage will continue until the premium due date on or next following your death unless continued in accordance with the Surviving Spouse Continuation provision. 

Please be sure to click here to read this important Medicare Notice.

Amy Cybyske, Licensed in all applicable jurisdictions.

This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGP-5878 as actually issued. In the event of a discrepancy between this website 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 polices 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. This program may vary and may not be available to residents of all states.

The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including Hartford Life and Accident Insurance Company under the brand name, The Hartford®, and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at www.thehartford.com.

Gallagher Affinity Insurance Services, Inc. administers the insurance 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 policy provides disability income insurance and ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York 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. 

Disability Form Series includes GBD-1000, GBD-1200, or state equivalent. 

ACDI062023