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Benefits Enrollment

Ways To Enroll or Review Your Coverage:

(Employers listed alphabetically)

INCOME PROTECTION

RR DISABILITY
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• Year 1: Following the 90-day Elimination Period the plan provides a $400 monthly benefit for the next 9 months

•  Year 2: (Months 13 – 24) The plan provides a $3,500 per month benefit for the remaining 12 months

PLAN DETAILS
• 90-day elimination period
• 3/12 Pre-Ex. Pre-Ex waived for first 3 months. Guaranteed $400 payment for 3 months
• 24-hour coverage On & Off the Job
• Mental / Nervous Limit: 21 months
• Tax Free Benefits

SUPPLEMENTAL PROTECTION

HOSPITAL INDEMNITY
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Provides coverage for pre-existing conditions.
Can pay benefits that help you with the costs of a covered hospital visit.

CRITICAL ILLNESS INSURANCE
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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 failure, 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.

CANCER INSURANCE
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Provides coverage for pre-existing conditions.
Can pay benefits that help you with the costs of a covered hospital visit.

ACCIDENT PLAN
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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.

LIFE INSURANCE

TERM LIFE INSURANCE
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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
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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
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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
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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.

ID THEFT PROTECTION
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EBS is proud to partner with IAMAW Leadership to offer a Group Medicare Plan to Medicare eligible retired IAMAW Union members, their eligible spouses, and eligible dependents.  To find out more information about our customized group plan offering click the link to the brochure or call TLC our Medicare FMO partner, at 833-469-0515.
ONLINE WILL & ESTATE
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