224-770-5305

IBEW 103

IBEW 103

IBEW 103

IBEW 103

Continued Income When Your Paycheck Stops Due To Injury, Illness or Death!

Plan Information Overview:

  • Short-Term Disability (STD) pays for up to 24 Weeks
  • Long-Term Disability (LTD) pays for up to 10 years
  • Life Insurance w/ AD&D for Member, Spouse, and/or Child(ren)

Summary of Benefits & Rates

No medical tests, questions, or underwriting to enroll; no active working member of the IBEW Local 103 can be denied coverage!

BUSINESS MANAGER MESSAGES

Special Enrollment Ends 9/21/20 for Local 103’s Voluntary Short and Long-Term Disability and Life Insurance Plan (Text via Local 103 App)

Dear Members, Our Special Enrollment ends 9/21/20 for Local 103’s voluntary: Short and Long-Term Disability and Life Insurance plan (COVID-19 is covered). You must take action to be protected! Members are guaranteed approved; there are no medical tests or questions to...

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IBEW LOCAL 103 SOCIAL MEDIA


COVID-19 (Coronavirus) Disability FAQ

It is important to understand that these Life and Disability benefits DO cover COVID-19 (Coronavirus) in the event that you contract the virus and cannot work (to include being quarantined after being diagnosed with COVID-19) or pass away as a result of the virus.

The below list provides the main parameters a member’s claim must meet in order to be eligible to file a claim for the Coronavirus. However, there may be other factors that would impact a Coronavirus claim.

  • Only cases of the Coronavirus that are medically diagnosed and documented by a medical professional would constitute as eligible for benefits
  • Members who are quarantined due to testing positive for Coronavirus would be eligible for benefits
  • Members who are quarantined as a preventative measure and do not have an official Coronavirus diagnosis by a medical professional would not be eligible for benefits, including, but not limited to;
    • Jobsite shutdowns for preventative measures
    • Furloughs, layoffs, etc.
    • Care for a loved one who has been diagnosed or exposed
  • The normal waiting period still applies, so the member needs to be held out of work by a medical professional for longer than their waiting period in order to be eligible

Members WOULD NOT have an eligible Coronavirus claim if:

  • The member enrolls, has coverage on the effective date, but has already been medically diagnosed with case of Coronavirus or has seen their doctor for signs/symptoms of the Coronavirus prior to the 10/1/2020 plan effective date
  • The member’s coverage was not effective and in force prior to seeing a medical professional or being diagnosed

Please call us at 224-770-5305 for more information.