Special Enrollment Dates: 10/28 – 11/8
*Last chance to enroll until 2025!
2 Ways To Enroll or Review Your Coverage:
RAILROAD DISABILITY & SUPPLEMENTAL SICKNESS PLAN
Railroad Disability and the Supplemental Sickness plan help the member in a BIG way the first year you are disabled. What happens when your Supplemental Sickness plan runs out after 12 months? That is where things get challenging for the member in months 13-24. This is where the Employee Benefit Systems Disability plan comes in.
EBS has designed a plan specifically tailored to Railroad Union Members. When you are determined to be disabled, and you have met your elimination period, the plan pays $400 per month for the first 9 months after that the plan increases 8x in benefit to $3,500 per month for the next 12 months! That is right 8x! Why 8x? Because that is when your Supplemental Sickness plan will have been exhausted.
- $400 benefit for first 9 months
- $3,500 for remaining 12 months
- 90 day elimination period
- 3/12 Pre-Ex. Pre-Ex waived for first 3 months. Guaranteed $400 payment for 3 months
- Own job definition of disability -1 for those not currently enrolled and giving them a new
- opportunity to enroll
ACCIDENT PLAN
Includes a $300 per day Sickness- Hospital Confinement Benefit Rider
• Provides 24-hour coverage for accidents, on OR off the job.
• $400 Emergency Room benefit / $600 Ground Ambulance.
• $3,000 for hospital admission plus $750 per day hospital confinement.
• Additional benefits for X-Ray, CAT scan, surgery, rehab, AD&D.
• Individual weekly premium is $3.81. Including the wellness benefit, net cost is only $1.88 per weekly deduction.
• $100 Wellness Benefit
HOSPITAL INDEMNITY
No Pre-Existing Condition Clause
• 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 day 1 benefit of $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.
• $50 Wellness Benefit
CRITICAL ILLNESS INSURANCE
First Occurrence, Additional Occurrence, and Reoccurrence Benefit
• $15,000 & $30,000 lump-sum benefits are available for member and spouse.
• Fully portable with No Age Benefit Reduction or Change in Premium.
• Benefits for 39 named health events including childhood diseases.
• Child coverage at 50% of member’s amount at no additional cost.
• No Lifetime Max.
• $75 Wellness Benefit
CANCER INSURANCE
No Lifetime Max
• Provides lump-sum initial diagnosis benefit of $5,000.
• Provides up to $5,000 per month for chemo and radiation therapy.
• Provides up to $2,000 per month for self-administered drugs.
• 2nd/3rd opinion, surgery, bone marrow, prosthetic.
• Includes coverage for 32 named diseases.
• $50 Wellness Benefit
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.
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.
Eligibility Age: Member (19-70), Spouse (19-60), Child (15 days - 26 years and can be converted up to 5X)
Guaranteed Premiums
Life insurance premiums will never increase and are guaranteed through age 121.
Guaranteed Benefits - During the Working Years
Death Benefit is guaranteed during the working years when a family is relying on income. While the policy is in force, the death benefit is guaranteed for the longer of 25 years or through age 70.
Guaranteed Benefits - After Age 70
After 70, the death benefit is guaranteed to never be less than 50% of original death benefit.
Paid-up Benefits
After 10 years, paid-up benefits begin to accrue. At any point after, if a member stops paying premium, a reduced paid-up benefit is issued and can never lapse.
Benefits for Long Term Care
Pays death benefits in advance for home health care, assisted living, adult day care, and nursing home care.
Our Enrollment Advisors are here to help
Schedule a call with one of our enrollment advisors by selecting a date and time below:
Need help with Self-Enroll?
Watch the video below for simple step-by-step instructions on how to Self-Enroll.