Plan Details FAQs Exclusions

As medical costs rise, health insurance is less likely to pay for longer hospitals stays - meaning you risk having to go home sooner to recover. Many health insurance plans, including employer plans, do not cover all the costs associated with home health care. So who pays for the added costs? You do.

To combat the high costs you risk incurring, UnionSecure is pleased to offer the Short-Term Recovery Plan.  This plan is supplemental protection that begins paying you the moment you are admitted in the hospital. And then, it keeps on paying once you leave the hospital to finish recovery at home.

Double Recovery Protection

1. Hospital Confinement benefit - First, you'll get paid a lump-sum based on the number of days you are confined to the hospital. (Requires a minimum hospital confinement of 24 hours)
2. Home Recovery benefit - After you are released from the hospital you'll automatically receive a second lump-sum amount paid to you based on the number of days you were hospitalized.

Total protection - illness or an injury - from the hospital bed to your own, doble recovery protection pays two lump sums* in benefits directly to you. Each lump-sum is based on the number of days you spend confined to the hospital.

• Guaranteed to be issued - no health questions or medical exam. Even pre-existing conditions are covered after a member is treatment-free for at least 12 months or once coverage in force for 12 months.
• Guaranteed to you and your spouse - ages 18-64.  And guaranteed to pay benefits for hospitalizations any time -  you have 24-hour coverage.
• Pays in addition to any other insurance, and pays directly to you - it's added protection that fills the gap left by most insurance plans. And you choose what to spend your benefits on.
• Benefits do not decrease with age.  At age 65 you are guaranteed enrollment in the Senior Short-Term Recovery Plan with no pre-existing condition exclusion.
• Strike waiver of premium - premium will be waived for up to three months if you are involved in a union-sanctioned strike or lockout. Not available in all states or for all unions.
• 60-day free examination with a money-back guarantee.
• Expansive coverage - coverage for all hospitalization including Veteran's Administration and government hospitals.
• Mental health benefit - limited coverage for hospital confinement due to mental, nervous or emotional disorders.

• 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

Questions? Call 1-800-393-0864.

Is there any time when you wouldn't be covered? Read exclusions here

*No Home Recovery benefits will be paid for confinements due to Mental, Nervous or Emotional Disorders.