Benefits Enrollment
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INCOME PROTECTION
SHORT TERM DISABILITY INCOME
(If applicable)
Provides a weekly cash tax-free benefit to help pay for everyday expenses (such as mortgage / rent, utilities, childcare, or groceries) if you are unable to work due to a covered disability.
Short Term Disability benefits are payable for an off-the-job accident, sickness or pregnancy. Pregnancy benefits for normal delivery up to 6 weeks; C-Section up to 8 weeks (minus the waiting period) – can be longer if medically necessary and under doctor’s care.
LONG-TERM DISABILITY INCOME
(If applicable)
Provides a monthly tax-free benefit to replace a portion of your income which can help lessen the financial impact of a covered disability. This type of insurance can help you manage your expenses when you can’t work due to a covered disability, so that you don't have to rely solely on your savings. Enrollment in this benefit is Guaranteed Issue, so you don’t have to answer any health questions to be covered.
SUPPLEMENTAL PROTECTION
HOSPITAL INDEMNITY
Provides coverage for pre-existing conditions.
Can pay benefits that help you with the costs of a covered hospital visit.
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 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
Provides coverage for pre-existing conditions.
Can pay benefits that help you with the costs of a covered hospital visit.
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.
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.
GROUP MEDICARE PLAN
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.
