Accident & Critical Illness
Accident Coverage
Guaranteed Approved Coverage: No medical questions or tests for actively working Members.
Pays Member a lump sum of money for covered injuries and medical services due to an accident.
Member, Spouse, and Dependent(s) can all be covered.
Tax-Free Benefits paid directly to you.
24-hour coverage, both on and off the job.
$100 Wellness Benefit included for each covered person per year.
Does not offset against any other benefits.
Coverage is portable.
No pre-existing condition limitations.
| MEMBER | MONTHLY COST | ||||||||||||
| Members | $17.09 | ||||||||||||
| Members & Spouse | $24.70 | ||||||||||||
| Members & Children/Dependent(s) | $28.42 | ||||||||||||
| Family | $36.03 | ||||||||||||
Injuries
Examples of covered injuries resulting from an accident include:
Burns
Coma
Dislocations
Eye Injury
Fractures
Muscle
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
X-rays / MRI’s
Doctor Visits
Blood Transfusion
How does Accident Insurance work?
Examples of covered injuries resulting from an accident include:
Critical Illness Coverage
Guaranteed Approved Coverage: No medical questions or tests for actively working Members.
Examples of critical illnesses include: Heart Attack, Stroke, Invasive Cancer, Skin Cancer, Coronary Artery Disease, Alzheimer’s Disease, Major Organ Failure, and Renal Failure.
Pre-existing conditions are covered Day 1 as long as it is a new occurrence of the illness.
$100 Wellness Benefit included for each covered person per year.
Member coverage includes Dependent benefit equal to 50% of Member elected benefit at no additional cost.
| COVERAGES | MONTHLY COSTS BY AGE BRACKET | ||||||||||||
| MAX BENEFIT* | <30 | 30-39 | 40-49 | 50-59 | 60+ | ||||||||
| $10,000 | $5.60 | $8.20 | $14.50 | $26.90 | $49.40 | ||||||||
| $20,000 | $9.20 | $14.40 | $27.00 | $51.80 | $96.80 | ||||||||
| $30,000 | $12.80 | $20.60 | $39.50 | $76.70 | $144.20 | ||||||||
| $40,000 | $16.40 | $26.80 | $52.00 | $101.60 | $191.60 | ||||||||
*Members and Spouses can enroll in increments of $10,000 to a max of $40,000. For additional benefit amounts not shown, please call (224) 770-5305.
Important Information
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 $3 technology fee is included in all listed monthly costs for the following coverages: Short-Term Disability and Long-Term Disability. A $2 technology fee is included in all listed monthly costs for the following coverages: Member Life and Spouse Life.
IMPORTANT: If you depart from IBEW 103, opt out of paying dues, or retire, you must notify the Customer Service Center at (224) 770-5305. 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 IBEW 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.
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 Sun Life Financial. Sun Life financial and the globe symbol are registered trade-marks. All rights reserved.
