![MCC by EBS-72dpi MCC by EBS-72dpi](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/09/MCC-by-EBS-72dpi-1.png)
Benefits Enrollment
Have Questions?
INCOME PROTECTION
SHORT TERM DISABILITY INCOME
(If applicable)
![Man in cast Man in cast](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/06/Man-in-cast.jpg)
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.
![Unum-logo-300-150 Unum-logo-300-150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/05/Unum-logo-300-150.png)
![Unum-logo 150 Unum-logo 150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2018/08/Unum-logo-e1639420894913.png)
LONG-TERM DISABILITY INCOME
(If applicable)
![EBS-Dr-wheelchair EBS-Dr-wheelchair](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2019/10/EBS-Dr-wheelchair-1024x683.jpg)
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.
![Unum-logo-300-150 Unum-logo-300-150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/05/Unum-logo-300-150.png)
![Unum-logo 150 Unum-logo 150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2018/08/Unum-logo-e1639420894913.png)
SUPPLEMENTAL PROTECTION
HOSPITAL INDEMNITY
![qtq80-Qvad1Z qtq80-Qvad1Z](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/06/qtq80-Qvad1Z-1024x680.jpeg)
Provides coverage for pre-existing conditions.
Can pay benefits that help you with the costs of a covered hospital visit.
![Aetna logo-300-150 Aetna logo-300-150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/05/Aetna-logo-300-150.jpg)
![Aetna logo 150 Aetna logo 150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2018/08/Aetna-logo-e1639421049663.jpg)
CRITICAL ILLNESS INSURANCE
![qtq80-hiaB26 qtq80-hiaB26](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/06/qtq80-hiaB26-1024x683.jpeg)
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.
![Aetna logo-300-150 Aetna logo-300-150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/05/Aetna-logo-300-150.jpg)
![Aetna logo 150 Aetna logo 150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2018/08/Aetna-logo-e1639421049663.jpg)
CANCER INSURANCE
![qtq80-4qKX8o qtq80-4qKX8o](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/06/qtq80-4qKX8o-1024x683.jpeg)
Provides coverage for pre-existing conditions.
Can pay benefits that help you with the costs of a covered hospital visit.
![MetLife logo-300-150 MetLife logo-300-150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/05/MetLife-logo-300-150.jpg)
![MetLife logo 150 MetLife logo 150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2018/08/MetLife-logo-e1639423863160.jpg)
ACCIDENT PLAN
![qtq80-VzORpd qtq80-VzORpd](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/06/qtq80-VzORpd-1024x648.jpeg)
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.
![Aetna logo-300-150 Aetna logo-300-150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/05/Aetna-logo-300-150.jpg)
![Aetna logo 150 Aetna logo 150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2018/08/Aetna-logo-e1639421049663.jpg)
LIFE INSURANCE
TERM LIFE INSURANCE
![qtq80-LDENms qtq80-LDENms](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2018/09/qtq80-LDENms-1024x683.jpeg)
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.
![Boston Mutual logo-300-150 Boston Mutual logo-300-150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/05/Boston-Mutual-logo-300-150.png)
![Boston Mutual logo-150 Boston Mutual logo-150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2021/12/Boston-Mutual-logo-150.png)
WHOLE LIFE INSURANCE
+Long Term Care Rider
![qtq80-gFUJp3 qtq80-gFUJp3](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2021/12/qtq80-gFUJp3-1024x682.jpeg)
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.
![Unum-logo-300-150 Unum-logo-300-150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/05/Unum-logo-300-150.png)
![Unum-logo 150 Unum-logo 150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2018/08/Unum-logo-e1639420894913.png)
LIFETIME BENEFIT TERM
![happy family at sunset. happy family at sunset. father, mother and two children daughters having fun and playing in nature. the child sits on the shoulders of his father.](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2023/04/AdobeStock_264426380-1024x470.jpeg)
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.
![CHUBB_Logo CHUBB_Logo](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2023/02/CHUBB_Logo.png)
![CHUBB_Logo CHUBB_Logo](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2023/02/CHUBB_Logo.png)
EXCLUSIVE BENEFITS
UNION COLLEGE BENEFIT
![high school graduates students high school students graduates tossing up hats over blue sky.](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2023/05/AdobeStock_88874805-1024x683.jpeg)
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.
![Screen Shot 2023-05-30 at 3.36.09 PM Screen Shot 2023-05-30 at 3.36.09 PM](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2023/05/Screen-Shot-2023-05-30-at-3.36.09-PM.png)
GROUP MEDICARE PLAN
![Screen Shot 2023-06-19 at 10.27.49 AM Screen Shot 2023-06-19 at 10.27.49 AM](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2023/06/Screen-Shot-2023-06-19-at-10.27.49-AM.png)
![MCC-Retiree-logo MCC-Retiree-logo](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2022/03/MCC-Retiree-logo.png)
Rx CARD
![Prescription with Pills Critical focus on tip of pen. Stethoscope and bottle cap beyond depth of field.](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2023/05/AdobeStock_20033265-1024x683.jpeg)
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.
![Screen Shot 2023-05-30 at 3.20.45 PM Screen Shot 2023-05-30 at 3.20.45 PM](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2023/05/Screen-Shot-2023-05-30-at-3.20.45-PM.png)
ID THEFT PROTECTION
![qtq80-DvygPE qtq80-DvygPE](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/06/qtq80-DvygPE-1024x683.jpeg)
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.
![FrontLineIdentity-logo-300-150 FrontLineIdentity-logo-300-150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/05/FrontLineIdentity-logo-300-150.png)
![FrontLineIdentity logo 150 FrontLineIdentity logo 150](https://x09dae.p3cdn1.secureserver.net/wp-content/uploads/2020/05/FrontLineIdentity-logo-e1639424262480.png)