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Insurance Programs: Questions and Answers

Comprehensive Accident Plan

What is the Comprehensive Accident Plan (CAP)?

CAP was designed for union members as an economical way to provide additional financial security for their families with three types of coverage in one policy. CAP includes accidental death, hospital income and disability coverage all in one.

What benefits are available with CAP?

CAP provides three types of coverage in one policy: a lump-sum payment for death due to an accident; a daily benefit, up to 500 days, for hospitalization due to an accident up to 500 days; and a monthly benefit for a disability due to an accident for up to one year. Members choose between two plans:

 

Benefit Plan 1 Plan 2
Death Benefit $50,000 $100,000
Hospital Benefit $50/day $100/day
Monthly Disability $500/month $1,000/month

Are there any age requirements?

Members and spouses or domestic partners ages 18-59 may apply and coverage continues through age 65.

I'm a part-time or seasonal employee. Am I still eligible for CAP?

Yes, but you must work 20 hours per week or an average of 260 hours per calendar quarter.

Is a medical exam necessary?

No, there is no medical exam to take. There are no health questions to answer. This coverage is guaranteed to be issued.

Is coverage available for my spouse or domestic partner?

Yes, your spouse or domestic partner can apply — even if you do not.

Does my spouse or domestic partner receive the same benefit as me, the union member?

Yes, spouses or domestic partners can choose the same benefit or choose a higher or lower benefit level. Spouses and domestic partners are not bound by the coverage the union member chooses.

Can I collect more than one benefit with this policy?

Yes, if you are injured and must be hospitalized you will receive a daily hospital benefit for each day you are in the hospital. If the injury is serious and causes you to miss work for an extended period of time, you may also collect monthly disability benefits (after you've been disabled for 60 days). If your injury should result in death, your beneficiary would also collect a death benefit.

If the insured member dies can my spouse or domestic partner continue coverage?

Yes, spouses or domestic partners can continue coverage if they are insured with their own policy prior to the members' death.

Will the benefits within the policy ever change?

No, the benefits will remain the same until the policy terminates at age 65.

What does the Strike/Labor Dispute Waiver of Premium mean?

If an insured is in 1) a lawful, authorized strike by a union or 2) is locked out as a result of a dispute between the union and an employer, the insured doesn't have to pay premiums for up to one year on this coverage.

Is this one of those policies whose cost increases as I get older?

No, there is one rate for each benefit level choice. Rates do not increase as you get older. Coverage ends at age 65.

Accidental Disability Income Protection Insurance

What is accident disability income insurance?

It is a policy that provides a monthly benefit to make up for lost salary if you are unable to work due to a disability. UnionSecure offers a plan that pays for disabilities caused by accidents (not sickness, like heart attack or cancer). The coverage pays in addition to any other insurance the member may have, and it pays in addition to workers' compensation payments.

How much does disability coverage pay?

The UnionSecure plan will replace up to 70 percent of a person's basic monthly pay for up to 2 years and is available in monthly benefit amounts of $1,000, $2,000, or $3,000.

Are there any age requirements?

Members and spouses or domestic partners ages 18-64 may apply and coverage continues to age 70.

I'm a part-time or seasonal employee. Am I still eligible for disability coverage?

Yes, but you must work 25 hours per week or an average of 325 hours per calendar quarter.

Is coverage available for my spouse or domestic partner?

Your spouse or domestic partner can apply for coverage as long as you, the union member, also applies. Also, unlike some plans, your spouse or domestic partner can choose a benefit level different from the one you select.

If the insured member dies can my spouse or domestic partner continue coverage?

If you were to die, your spouse or domestic partner may continue coverage if he or she is insured with his or her own policy prior to your death.

Can my rates increase or my benefits decrease?

No, there is one pre-determined rate for each benefit level, and the benefit amounts will remain the same as long as your policy is in force. However, the policy terminates at age 70.

What does the Strike/Labor Dispute Waiver of Premium mean?

If an insured is in 1) a lawful, authorized strike by a union or 2) is locked out as a result of a dispute between the union and an employer, the insured doesn't have to pay premiums for up to one year on this coverage.

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