Income Life with Accidental Death & Dismemberment (AD&D)
Life Insurance provides essential financial protection for your loved ones in the event of your passing. It can help cover expenses such as mortgages, education, and daily living costs, ensuring that your family maintains their quality of life. Knowing that you have adequate coverage offers peace of mind, reducing the financial stress that can follow a tragic loss.
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. You cannot be denied during open enrollment.
No medical questions or tests.
Coverage is 24/7 on and off the job.
Member coverage available up to $500,000 in $10,000 increments (not to exceed 5 times annual earnings).
SPOUSE LIFE COVERAGE UP TO $100,000 IN $5,000 INCREMENTS AVAILABLE WHEN MEMBER LIFE IS ELECTED (NOT TO EXCEED 100% OF MEMBER ELECTION).
DEPENDENT(S) ELIGIBLE FOR A FLAT $20,000 OF LIFE COVERAGE AVAILABLE WHEN MEMBER LIFE IS ELECTED.
All Coverage includes an equal amount of Accidental Death and Dismemberment (If death is caused by an accident, the benefit doubles).
Not meant to replace any existing Life Insurance coverage.
Member Income Life with Accidental Death & Dismemberment (AD&D)
Member coverage available up to $500,000
Not to exceed 5 times annual earnings.
MEMBER |
MONTHLY COSTS BY AGE BRACKET |
|||||||||||||||
COVERAGE* |
18-29 |
30-39 |
40-49 |
50-59 |
60-69 |
|||||||||||
$100,000 |
$14.50 | $16.50 | $24.50 | $71.00 | $164.50 | |||||||||||
$200,000 |
$28.00 | $32.00 | $48.00 | $141.00 | $328.00 | |||||||||||
$300,000 |
$41.50 | $47.50 | $71.50 | $211.00 | $491.50 | |||||||||||
$400,000 |
$55.00 | $63.00 | $95.00 | $281.00 | $655.00 | |||||||||||
$500,000 |
$68.50 | $78.50 | $118.50 | $351.00 | $818.50 | |||||||||||
*For additional benefit amounts not shown, please call (224) 770-5304.
Spouse Income Life with Accidental Death & Dismemberment (AD&D)
Spouses can be covered up to $100,000
Cannot exceed 100% of Member election.
SPOUSE |
MONTHLY COSTS BY AGE BRACKET |
|||||||||||||||
COVERAGE* |
18-29 |
30-39 |
40-49 |
50-59 |
60-69 |
|||||||||||
$50,000 |
$7.75 | $8.75 | $12.75 | $36.00 | $82.75 | |||||||||||
$100,000 |
$14.50 | $16.50 | $24.50 | $71.00 | $164.50 | |||||||||||
*Spouse costs are based on Member’s age.
Dependent Income Life with Accidental Death & Dismemberment (AD&D)
Dependents eligible for a flat $20,000 of coverage
DEPENDENT |
MONTHLY COSTS |
||||||||||||||||||||||||
COVERAGE* |
ALL DEPENDENTS UNDER 26 YEARS OLD |
||||||||||||||||||||||||
$20,000 |
$5.40 | ||||||||||||||||||||||||
*One cost covers all Dependents.
IMPORTANT INFORMATION ABOUT THIS PLAN
IMPORTANT: The monthly cost for coverage is based on your age at the start of the coverage and will rise on the policy anniversary date after you move into a new age bracket. This benefits guide is tailored for Members aged 18-69.
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.
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.
IMPORTANT: If you depart from the IBT, opt out of paying dues, or retire, you must notify the Teamsters VIP+ Air administrative office at (224) 770-5304. Not doing so within 90 days could delay or negate your eligibility for a refund.
We encourage enrolled Members to thoroughly review the complete policy. To request a copy, please email info@unionone.com.
This program is administered by Union One Benefits Administration and underwritten by Prudential Financial.
For AD&D, STD & LTD: THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
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.
North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.
Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500.
Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
