Plan Details FAQs Exclusions

It pays to be a union member, and it pays to have peace of mind protection with UnionSecure.

Or opt for even greater protection up to $200,000 at low group rates - just for union members and their families - because in case of accidental death, your family may need the financial protection.

No-cost coverage for union members

Enroll now to take advantage of up to $5,000 of no-cost coverage for one year simply for being a union member. Supplement any protection you currently have or add more coverage to this no-cost benefit.

There's no charge or commitment required for you to receive this coverage:

• $1,000 of coverage for death due to any type of accident at home, at work or while commuting or traveling anywhere in the world
• PLUS $4,000 of additional coverage against accidental death from covered motor vehicle/pedestrian accidents. 

Already have accident insurance? This no-cost AD&D will increase the amount your beneficiaries will receive by up to $5,000 if you were to have a fatal motor vehicle or pedestrian accident. This means, it will pay in addition to any other insurance you may already have. Get your $5,000 no-cost coverage for one full year today!

Enhanced coverage available for members and their families

For union members with loved ones who depend upon them for financial security, we recommend the additional protection offered by enhanced coverage. Enjoy the following built-in features:

• Inflation guard - your base benefit increases automatically  to help keep your benefit amount in line with the increasing cost of living. This benefit increases for a maximum of 10 years, up to 125% of the Principle Sum.
• Guaranteed to be issued - no health questions, no medical exam, and no exclusions based on pre-existing conditions.
• You are covered anytime, everywhere -- 24 hours-a-day, 7-days-a-week.
• Strike waiver of premium - premium will be waived for up to one year during a union-sanctioned strike or lockout lasting 30 days or more.  May not be available for all unions or in all states. 
• Already have accident insurance? This benefit pays in addition to any other AD&D insurance.
• Your coverage for Voluntary Benefits terminates on the earlier of: a) the date the Policy is terminated; b) the date You request that Voluntary Benefits be terminated; c) the date You cease to be a resident of the United States or d) the Premium Due Date on which You fail to pay any required premium for Voluntary Benefits, subject to the Individual Grace Period Provision.

Benefit options

• You can select $25,000 to $200,000 base benefit amount of Enhanced coverage, and you automatically receive the following additional benefits. Please note that these additional benefits are available for the member only, not for the spouse/domestic partner, or dependent children:
• An additional $100,000 for accidental death while riding as a passenger on any common carrier, such as, an airplane, train, bus or taxi.
• An additional $50,000 for workplace accidental death. 
• An additional $25,000 for accidental death resulting from a motor vehicle accident or as a pedestrian.

"Base benefit amount" means to the amount you want your beneficiaries to receive in case of accidental death. No matter what base you choose, these additional benefits always apply. Depending on the type of accident, your beneficiaries could receive more than the base amount: an additional $25,000 for motor vehicle/pedestrian death or an additional $50,000 for a workplace death or an additional $100,000 for a common carrier death.

• You can purchase this coverage for:

• yourself only -- individual, or
• yourself and your family - including spouse/domestic partner and dependent children.

Enroll now

• Complete a secure online application. It's easy, safe and takes less than 5 minutes!
• Click here to download an enrollment form.
  Print it, fill it out and mail it in!
  (It's an AdobeAcrobat file, get a free reader by clicking here).
  
  
• Request an application via mail:
• By calling 1-800-393-0864
• By completing an online request form

Wondering what is not covered by this insurance program? Read exclusions here.

Policyholder: AFL-CIO Mutual Benefit Fund. Policy Form # 7582 A2 (9920)/Policy#ADD-9920. In CA: Association Group Insurance Administrators, License #0155705. John B. Wigle, License #0482924. Underwritten by: Hartford Life and Accident Insurance Company, Simsbury, CT 06089.