Accident & Critical Illness
Accidents and unexpected illnesses can happen to anyone—but you don’t have to face them alone. With Accident and Critical Illness Insurance designed specifically for IUPAT Members and their families, you’ll receive lump sum tax-free benefits, paid directly to IUPAT Members, Spouses, Children / Dependents when injured in an accident or diagnosed with major critical illnesses. This coverage provides financial peace of mind so you can focus on recovery, not expenses.
Accident Coverage
Guaranteed Acceptance Coverage: No medical questions or tests for actively working Members.
Coverage available to Member, Spouse and Children / Dependents.
Lump sum benefits paid when an accident occurs.
Coverage is 24/7 on and off the job.
No pre-existing limitations.
Does not offset against any other benefits.
Benefits paid for covered injuries and medical services resulting from an accident.
No limit on number of claims that can be filed.
| COVERAGES | MONTHLY COSTS | ||||||||||||||||
| Members | $12.27 | ||||||||||||||||
| Members & Spouse | $14.83 | ||||||||||||||||
| Members & Children / Dependent(s) | $15.48 | ||||||||||||||||
| Family | $21.68 | ||||||||||||||||
Injuries
Examples of covered injuries resulting from an accident include:
Burns
Dislocations
Coma
Eye Injury
Fractures
Lacerations
Concussion
Ligament / Tendon
Services
Examples of services resulting from an accident include:
Ambulance
ER Visits
Hospital Admission
Hospital Confinement
Major Diagnostic Testing
Medical Devices
Physical Therapy
Surgery
Doctor Visits
X-rays / MRI’s
Blood Transfusion
How does Accident Insurance work?
Amount payable was generated based on benefit amounts for: Closed Fracture of the Thigh ($5,000), Ambulance to Hospital ($400), Emergency Room Admission ($200), X-Ray ($50), Medical Devices (crutches) ($150), and Physician Follow-Up ($50).
Critical Illness Coverage
Guaranteed Acceptance Coverage: No medical questions or tests for actively working Members.
Coverage available to Member, Spouse and Children / Dependents.
Lump sum benefits paid when diagnosed with a covered critical illness.
Member and Spouse coverage available up to $20,000 in $5,000 increments.
Pre-existing conditions are covered Day 1 as long as it is a new occurrence of the illness.
Does not offset against any other benefits.
| MEMBER | MONTHLY COSTS BY AGE BRACKET | |||||||||||||||
| MAX BENEFIT* | <30 | 30-39 | 40-49 | 50-59 | 60-69 | 70+ | ||||||||||
| $5,000 | $3.20 | $3.80 | $5.70 | $10.05 | $18.45 | $29.50 | ||||||||||
| $20,000 | $6.80 | $9.20 | $16.80 | $34.20 | $67.80 | $112.00 | ||||||||||
*For additional benefit amounts not shown, please click here for the Cost Calculator or call (224) 357-7880.
| SPOUSE | MONTHLY COSTS BY AGE BRACKET | |||||||||||||||
| MAX BENEFIT* | <30 | 30-39 | 40-49 | 50-59 | 60-69 | 70+ | ||||||||||
| $5,000 | $3.35 | $3.95 | $5.55 | $7.75 | $10.65 | $16.70 | ||||||||||
| $20,000 | $7.40 | $9.80 | $16.20 | $25.00 | $36.60 | $60.80 | ||||||||||
*For additional benefit amounts not shown, please click here for the Cost Calculator or call (224) 357-7880.
| DEPENDENT(S) | MONTHLY COSTS BY AGE BRACKET | |||||||||||||||
| MAX BENEFIT* | ALL DEPENDENTS UNDER 26 YEARS OLD | |||||||||||||||
| $5,000 | $2.45 | |||||||||||||||
| $10,000 | $2.90 | |||||||||||||||
*For additional benefit amounts not shown, please click here for the Cost Calculator or call (224) 357-7880.
Examples of critical illnesses include:
Heart Attack
Stroke
Coronary Artery Disease
Invasive Cancer
Non-Invasive Cancer
Skin Cancer
Major Organ Failure
Severe Burns
End-stage Kidney Failure
Type 1 Diabetes
Multiple Sclerosis
Paralysis
Coma
ALS
Get Started
Enrollment is simple and only takes a few minutes.
To enroll, you will need:
– To be an actively working, dues-paying Member
– Employment & Income Information
– Spouse & Dependent Dates of Birth & Contact Information
– Bank Account & Routing Numbers
Important information about this plan
IMPORTANT: The monthly cost for coverage is based on your age at the start of the coverage and will increase on the policy anniversary date after you move into a new age bracket.
Participation in this program is voluntary, and the decision to enroll rests solely with the Members. Members are responsible for bearing all associated costs. A $2 technology fee is included in all listed monthly costs for the following coverages: Short-Term Disability and Long-Term Disability. A $1 technology fee is included in all listed monthly costs for the following coverages: Member Life and Spouse Life.
IMPORTANT: If you depart from the IUPAT, opt out of paying dues, or retire, you must notify the IUPAT VIP Customer Service Center at (224) 357-7880. Not doing so within 90 days could delay or negate your eligibility for a refund.
We encourage Members to thoroughly review the complete policy booklet. Email info@unionone.com to request a copy.
This program is administered by Union One Benefits Administration.
This voluntary benefit plan is classified as a Safe Harbor plan and, as such, is not subject to the Employee Retirement Income Security Act of 1974 (ERISA). The Union does not contribute to the premiums for this plan on behalf of its Members, does not endorse the plan, and does not require Members to enroll in the plan. Furthermore, the Union receives no financial or other consideration in connection with the administration or promotion of this program.
For STD & LTD: These policies provide disability income insurance only and do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
For Life: You have 31 days to notify Union One of your retirement if you wish to port or convert your Life Insurance.
Group Insurance coverages are issued by Metropolitan Life Insurance Company (MetLife). All Rights Reserved. METLIFE, and the METLIFE Logo are trademarks of MetLife.
