Short-Term Disability
Union workers have always stood together to protect our rights, secure fair wages, and ensure safe working conditions. However, one area that often gets overlooked is the need for comprehensive Short-Term Disability coverage. In today’s ever-changing work landscape, this coverage has become more crucial than ever before.
Get Started
Enrollment is simple and only takes a few minutes.
Information you will need
– Employment & Income Information
– Spouse & Dependent Dates of Birth & Contact Information
– Bank Account & Routing Numbers
Plan Details
Guaranteed Approved Coverage: No medical questions or tests for actively working Members.
Substance Abuse and Mental Health Conditions are covered illnesses.
Covers Members held out by a physician due to hazardous material exposure.
Stackable with other eligible benefits, up to 100% of pre-disability earnings.
Benefits paid are tax-free.
Covers disabilities caused by injuries, illnesses, surgeries, or pregnancy.
Pays a weekly benefit after 14th day of disability for up to 24 weeks.
Pre-existing conditions are covered after 12 months of continuous coverage.
Benefit election cannot exceed 60% of weekly income.
Short-Term Disability Option 1
(24-hour coverage)
| COVERAGES | MONTHLY COST | ||||||||||||||||||||
| MAX WEEKLY BENEFIT | ALL AGE BRACKETS | ||||||||||||||||||||
| $250 | $24.00 | ||||||||||||||||||||
| $500 | $48.00 | ||||||||||||||||||||
Short-Term Disability Option 2
(Off the job coverage)
| COVERAGES | MONTHLY COSTS BY AGE BRACKET | ||||||||||||||||||||
| MAX WEEKLY BENEFIT* | 18-39 | 40-49 |
50-59 |
60+ |
|||||||||||||||||
| $750 | $46.55 | $67.81 | $119.45 | $169.06 | |||||||||||||||||
| $1,000 | $61.40 | $89.75 | $158.60 | $224.75 | |||||||||||||||||
| $1,200 | $73.28 | $107.30 | $189.92 | $269.30 | |||||||||||||||||
*Can elect benefit in $50 increments up to $1,200 per week. For additional benefit amounts not shown, please click here for the Cost Calculator or call (224) 357-7880.
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.
