Help make sure your family doesn’t inherit your bills 

Union Plus Guaranteed Issue Senior Term Life Insurance Plan is available to active, associate members, employees and retired members age 50 to 74 who are residents of the U.S. Their spouses/domestic partners ages 50 to 74, residents of the US and not legally separated or divorced from the member, are also eligible. When spouses/domestic partners are both eligible persons, coverage may not be duplicated by applying as dependents of each other. 

We live longer today than we ever have before. But the more time we spend in retirement, the less likely that we'll have enough left over for final expenses and outstanding bills once we're gone. 

Union Plus helps to provide economical coverage for union members and their spouses/domestic partners wanting the peace of mind that they are helping to ensure that their families do not inherit their bills. 

And unlike other programs there's no termination age, no medical exam and your premium is waived if you are ever confined to a nursing home*. Plus, a "living benefit" feature allows you to collect benefits when you might need them the most — during a terminal illness**. The living benefit is available up to age 80 if you have at least $5,000 in coverage available, and are diagnosed with a terminal illness and given a life expectancy of 12 months or less.

*Nursing Home Confinement means your confinement which: begins while you are covered under the policy; is at the direction of a physician; and has existed continuously for a period of at least 180 days. 

**Accelerated benefits may be taxable. These materials are not intended to provide tax, accounting or legal advice and cannot be relied upon for any such purpose. We recommend that you consult with a qualified tax advisor. For Residents of Texas: Accelerated benefits may affect your or your family’s initial or continued eligibility for public assistance, such as medical assistance (Medicaid), Aid to Families with Dependent Children (AFDC), supplementary social security income (SSI), we recommend that you consult with social service agencies with any questions regarding eligibility for public assistance.

The Guaranteed Issue Senior Term Life Insurance plan pays your beneficiary anywhere from $5,000 to $25,000 of benefits—depending upon which amount you choose. 

Your premium is based on your age when you purchase the policy. Rates increase when you enter a new age band. At age 80, if greater than $5,000, benefits will reduce to $5,000. 

You are guaranteed acceptance. No doctor's visits, medical exam or lab tests are required.

Union Plus is different because: 

Serves active, associate members, employees and retired union members age 50 and over and their families — exclusively — and is able to provide specially arranged rates typically reserved only for large groups. 

Receives strict oversight by the Mutual Benefit Fund trustees of the AFL-CIO. 

The plan uses unisex rates. 

Spouse/domestic partner can enroll for coverage. 

Provides you a 60-day review period with a satisfaction guarantee if you decide that this coverage is not right for you. 

Yes, only active and retired members age 50 to 74 and their spouses/domestic partners ages 50 to 74 are eligible. There's no termination age. 

Your insurance would be terminated: 

• if you stop paying your premium 
• if the master policy is no longer in effect

Insurance for your spouse/domestic partner would be terminated on the earliest to occur of: 

• the date the policy is cancelled; or 
• the premium due date on or next following the date he or she is legally separated or divorced from you; or 
• the premium due date the required premium is not made, subject to the Grace Period provision; or 
• the date your coverage terminates. 

However, if dependent'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.

No, the money can be used at his/her discretion.

Spouses or domestic partners may choose a different level amount. 

Coverage becomes effective on the first day of the month after your enrollment form is received and the premium is paid.

Yes. Upon acceptance into this insurance plan, you'll receive a Certificate of Insurance. You have up to 60 days from the Effective Date to review your Certificate of Insurance without any obligation. If you do not like what you see, simply return the Certificate of Insurance within that timeframe, and any premiums paid will be refunded minus any claims paid. Hassle free. 
 

Yes, continuation is allowed, provided that the spouse or domestic partner is covered as a dependent at the time of death and premium continues to be paid.

If a person commits suicide during his or her first two years of coverage, the policy will only pay an amount equal to the premium paid for coverage to the date of death. 

During the two years immediately following an increase in coverage under the policy, we will only pay the deceased person's life insurance benefit in an amount equal to the amount of life insurance in force prior to the increase, plus an amount equal to the premium paid for the increase to the date of death. 

The full life insurance benefit amount for the deceased person is payable if he or she is covered under the policy and commits suicide after the two-year period.

Graded Death Benefit: During a Covered Person's first two years of coverage under the policy, benefits for loss of life due to Injury and Sickness are payable as follows:

• Injury — If death is the result of an injury and occurs during the first two years of coverage, we will pay the deceased person's amount of life Insurance.
• Sickness — If death is the result of sickness and occurs during the first two years of coverage, the amount payable will be an amount equal to the premiums paid for coverage with interest, using an annual interest rate of 10% compounded annually. After a covered person has been continuously covered under the policy for two years, we will pay the deceased person's amount of life insurance for loss of life due to injury or sickness.

No, rates and benefits may be changed only on a class basis.

Yes, members who apply will have various payment options when they receive their policy.