Benefits Enrollment
Monday, April 29 - Friday June 14
3 Ways To Enroll or Review Your Coverage:
INCOME PROTECTION
SHORT TERM DISABILITY INCOME
* Guaranteed Issue for members! Plan includes 3/12 Pre-existing (Pre-X) Condition Limitation.
* Pre-existing conditions are not covered in the first 12 months of your policy from the policy date.
* Provides replacement income when you are disabled from an off the job accident or illness.
* Benefits are payable for up to 24 weeks after a 14 day elimination period.
* Employees select a benefit amount from $100/week to a maximum of 65% of earnings.
* Pays in addition to any current disability benefit up to 65% of your base income.
LONG-TERM DISABILITY INCOME
* Guaranteed Issue for members! Plan includes 3/12 Pre-existing (Pre-X) Condition Limitation.
* Tax-free benefits begin after 6 months due to an on OR off the job accident or illness.
* Member can purchase up to $6,000 a month in coverage not to exceed 65% of base income.
* Tax-free benefits are payable for up to 5 years.
SUPPLEMENTAL PROTECTION
HOSPITAL INDEMNITY
* Guaranteed Issue for members, spouses, and qualified dependents! NO QUESTIONS!
* Complements your health insurance to help pay for the costs associated with a hospital stay.
* 3 plans to choose from: Select $1,000, $1,500, or $2,500 for hospital admission.
* Provides a per day benefit, $150, $200, or $250 beginning on day 2, for up to 30 days per calendar year for each covered individual. NO PRE-EX-COVERAGE - IS EFFECTIVE IMMEDIATELY!
* Benefits are paid directly to the policyholder.
CRITICAL ILLNESS INSURANCE
* Guaranteed Issue for members, spouses, and eligible dependents! NO QUESTIONS!
* Benefits paid directly to the insured upon diagnosis of heart attack, stroke, cancer, paralysis, major organ failure, end stage renal failure, coma, benign brain tumor, and more.
* Coverage amounts for members & spouses from $5,000 to $50,000. No benefit reduction due to age.
* Coverage individually owned & fully portable with no change in benefits or premium.
* Additional occurrence and reoccurrence benefit. No Lifetime Max!
ACCIDENT PLAN
(includes Sickness-Hospital Confinement) * Provides 24-hour coverage for accidents, on OR off the job, paid directly to the member.
* $400 Emergency Room benefit plus benefits for fractures, dislocations and more.
* $3,000 for Hospital Admission plus $750 per day hospital confinement for an accident.
* Sickness Rider: $300 per day, up to 90 days per calendar year for a covered illness.
* Up to $100,000 accidental death benefit.
CANCER
Cancer Insurance – METLIFE
* Guaranteed issue for members and qualified dependents!
* Provides a lump sum initial diagnosis benefit of $5,000.
* Provides up to $5,000 per month for chemo & radiation therapy. No Lifetime Maximum!
* Provides up to $2,000 per month for self-administered drugs. No Lifetime Maximum!
* Provides coverage for 32 other specified diseases in addition to cancer.
LIFE INSURANCE
TERM LIFE INSURANCE
Available as an active full time member working 20 or more hours per week, your spouse under the age of 70, your unmarried children ages 14-19 years (to age 25 if full-time student), and handicapped children over the age of 19 are eligible for coverage.
WHOLE LIFE INSURANCE
+Long Term Care Rider
Coverage available for members, spouse, dependent chidren under age 26, and grandchildren under age 16. Cost will never go up. Death benefit will never go down.
LIFETIME BENEFIT TERM
Family Protection - Guaranteed - Plus Benefits for Long Term Care (LTC)
Members - Guaranteed Issue up to $100,000
Spouse - Guaranteed Issue up to $30,000
(Spouse can have no more than 50% of members amount)
Dependent Child – Child Term Rider for $10,000 for additional cost of $4.18 per month.
Benefits for Long Term Care
Pays death benefits in advance for home health care, assisted living, adult day care, and nursing home care.
EXCLUSIVE BENEFITS
UNION COLLEGE BENEFIT
Are you interested in exploring opportunities for professional development or personal growth? Is a family member ready to return to college and chase their dreams? As an IAMAW union member, you and your entire family are welcome.
The EBS Union College Benefit helps you find the right college and the right degree options that are most important to you.
Our fully accredited, fully online network of union supporting colleges makes it simple to attend class and maintain your busy work life balance, all without having to commute to a brick-and-mortar location.
Rx CARD
Tired of Paying Too Much for Prescriptions?Get Your Free Employee Benefit Systems Card and Start Saving Today!
Our program can be used by every member of the family including pets and can save you money even if you have prescription benefits. Our tremendous volume allows us to negotiate discounts with over 67,000 participating pharmacies nationwide and pass those savings along to you.
ID THEFT PROTECTION
33% of Adults have experienced some form of Identity theft. There is a new victim of ID theft every 2 seconds. EBS is here to help! We have negotiated with Frontline Identity to provide our members with 1 free year of ID Theft protection. *You must call to enroll or complete our enrollment form.
Need help with Self-Enroll?
Watch the video below for simple step-by-step instructions on how to Self-Enroll.