Benefits Program

The Machinists Custom Choices Worksite Benefits program has offered Union represented employees additional financial security since 1997.

  • No member is denied coverage! All insurance products are guaranteed issue for members during their initial year of eligibility.
  • Benefits paid from these policies do not coordinate with the company provided benefits and are paid in addition to any benefits provided by the company's plans.
  • All policies, except disability, are fully portable with no change in benefits or cost.
  • Available to family members.
  • Individually owned – lifetime benefits.
  • Strike Waiver of Premium provision on most plans.
  • Premiums collected through payroll deduction.
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Permanent Life Insurance

Available to members, their spouse, dependent children and grandchildren. Members can purchase life insurance regardless of their health and the cost of their policy will never go up nor will their benefits go down
Available to members on a guaranteed basis (initial offering or first time through.) NO HEALTH QUESTIONS OF ANY KIND FOR MEMBERS.

  • Cost of life insurance will never go up and death benefit will never go down.
  • Policies are available for members, spouses, dependent children and grandchildren. Member need not apply in order to cover other family members.
  • Permanent life insurance over time accumulates cash value.
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Catastrophic Loss Rider

Attaches to the Life insurance policy and provides monthly benefits if an insured loses two of the five activities of daily living.

  • Members select a monthly benefit amount of up to $3,000.
  • Benefits begin 90 days following the loss of 2 activities of daily living (bathing, toileting, transferring, dressing, eating, and continence).
  • Benefits are paid for 1, 2 or 3 years.
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Term Life Insurance

Term life insurance is purchased for a particular purpose or period of time. It is used for mortgage protection or income replacement due to the loss of a spouse or parent

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Critical Illness Insurance

Available to members and their families. The Aetna Critical Illness plan can help you protect
your finances. It provides a lump sum cash benefit to you of either: $15,000, $25,000, or
$50,000, dependent on what coverage amount you choose.
This cash benefit is paid directly to the insured member when you or a covered family member
is diagnosed with a covered serious condition. This plan covers such conditions like heart
attack, stroke, cancer, organ transplant, end stage renal failure, coronary artery bypass,
Alzheimer's disease, loss of sight, speech or hearing, coma, paralysis, severe burns, and/or
benign brain tumor.
You can use the money to help cover your deductible or everyday expenses like utility bills,
mortgage payments or rent, day care and groceries. It’s up to you.
There are other benefits as well. Did you know?

  • There’s a one-time skin cancer benefit of $1000
  • Up to $25,000 of coverage is guaranteed issue for members (that means we don’t check your health records)
  • Dependent children covered at no additional cost.
  • Members may also apply for coverage on their spouse.
  • There’s no lifetime maximum
  • You get additional occurrence and reoccurrence benefits
  • You get paid $75 when you take advantage of the health screening benefit (once per year)
  • Benefits DO NOT coordinate with group insurance and are payable directly to the
    insured
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Cancer Insurance Company

Available to members and their families. Benefits are paid directly to the insured while being treated for cancer. These benefits are over and above the benefits paid from the member's major medical plan.

  • First Diagnosis Benefit – One-time benefit payable when a Covered Person is first diagnosed with Cancer (other than Skin Cancer) or a Specified Disease. $5,000
  • Radiation, Radioactive Isotopes Therapy, Chemotherapy or Immunotherapy administered by a Radiologist, Chemotherapist or Oncologist on an inpatient or outpatient basis. Actual charges up to $5,000 per month.
  • Hospital Confinement – Payable for each day a Covered Person is charged the daily room rate by a Hospital for up to 60 days of continuous stay is $200 per day. The benefit for covered children under age 21 is two times the Covered Person’s daily benefit. No Lifetime Maximum.
  • Hospital Intensive Care Confinement Benefit of $625 per day. It is reduced by one-half at age 75.
  • Wellness Benefit for Cancer screening test such as mammogram, flexible sigmoidoscopy, pap smear, chest X-ray, hemocult stool specimen, or prostate screening up to $100 per calendar year.
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Accident Plan

Available to members and their families. This policy helps offset loss of income due an accident. Coverage is provided for accidents that occur on or off the job.

  • Emergency room treatment pays $400 if an insured is injured as a result of a covered accident and requires initial examination and treatment by a physician in an Emergency room within 72 hours after the covered accident.
  • Hospital admission pays $1,500 (same as above)
  • Intensive care admission $2,250 (same as above)
  • Hospital confinement $300 (per day up to 365 days)
  • Ambulance $400; Air ambulance $1,500 (once per accident)
  • Catastrophic accident dismemberment – once per lifetime, not payable with catastrophic loss: Loss of both hands or both feet, or loss of one hand and one foot.
  • Catastrophic accidental loss – once per lifetime, not payable with catastrophic loss: Permanent paralysis; or loss of hearing in both ears; or loss of the ability to speak; or loss of sight of both eyes.
  • Accidental Death – employee: $50,000; Spouse: $20,000; Child: $10,000
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Disability Income

Available to all members who are actively at work. Provides tax-free benefits to offset a loss of income while out of work due to a qualifying disability.

Short Term Disability Income:

  • Members select a weekly benefit amount of up to 65% of their salary.
  • Ability to increase weekly benefit up to $50 per week on a guaranteed issue basis during annual enrollments if member elects coverage during their first year of eligibility.
  • Tax-free benefits begin after 7 days of disability and are payable for up to 26 weeks.
  • Benefits payable for "total" and "partial" disabilities.
  • Benefits paid for disabling accidents or illnesses that occur off the job.

Long Term Disability Income:

  • Members select a benefit amount from $300 to $6,000 per month, not to exceed 60-65% of salary.
  • 60-65% of salary to $6,000 per month of benefit is guaranteed issue to members.
  • Tax-free benefits begin after 6 months of disability and are payable for up to 5 years.
  • Benefits payable for "total" and "partial" disabilities.
  • Ability to increase monthly benefit up to $200 per month on a guaranteed issue basis during annual enrollments if member elects coverage during their first year of eligibility.
  • Benefits paid for disabling accidents or illnesses that occur off the job.
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Hospital Indemnity

Customized to the deductible and out of pocket limit in each employer's health insurance plan. Benefits designed to help with those out of pocket costs.

  • Customized to supplement the health insurance provided by the employer.
  • Provides a scheduled benefit amount regardless of the benefit paid by the health insurance plan.
  • Policy can be designed to provide a scheduled benefit for some or all of the following: hospital admission, daily hospital confinement, hospital intensive care, wellness, emergency room treatment, rehabilitation unit, outpatient surgery, diagnostic procedures, inpatient surgery, lodging, and transportation.
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Medicare Supplement & Retiree Dental

Making decisions about Medicare and Retiree Dental coverages can be complicated and confusing. Our professionally certified specialists will assist our Union brothers and sisters in choosing the best plans addressing their individual needs.

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***Insurance products must be filed and approved by each State's Department of Insurance. Policy provisions in your state may be slightly different than the provisions shown on this website.