Help make sure your family doesn’t inherit your bills

Union Plus Senior Term Life Insurance plan is available to active, associate members, employees and retired members age 55 to 74 who are residents of the U.S. Their spouses or domestic partners ages 55 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 or 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, depending on your answers to the health questions on the application, 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 for an amount of life insurance of at least $7,500 and under the age 80. 

*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. 

**Terminally ill or terminal illness means a life expectancy of 12 months or less. 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. 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 Senior Term Life Insurance plan pays your beneficiary anywhere from $5,000 to $25,000 of benefits—depending upon which amount you choose when applying. 

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. 

No medical exams will be required. Medical suitability is determined by a review of the answers to questions on the application. 
 

Union Plus is different because: 

Serves active, associate members, employees and retired union members age 55 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 Member Benefit Fund trustees of the AFL-CIO. 

There's no medical exam required. Medical suitability is determined by a review of the answers to questions on the application. 

The plan uses unisex rates. 

Spouse or domestic partner can apply for coverage. 

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

If a person commits suicide - while sane or insane - 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.

Yes, only active and retired members age 55 to 74 and their spouses or domestic partners ages 55 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 
• upon reaching the premium due date on or next following the date you cease to be a member of the Policyholder 

Insurance for your spouse/domestic partner or covered dependent 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 application is approved 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—while sane or insane—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. The two-year period includes the time coverage was in force under a prior policy. 

No, rates are based on the age band you are in at the time the policy is in effect. Rates change as you enter a new age bracket or rates may be changed on a class basis. 
 

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