Life Insurance

Eligibility

The Fund provides you with this Life Insurance benefit when you die from any cause, either on or off the job. The Fund pays the entire cost of coverage for eligible participants only. Your dependents aren't eligible for coverage under the plan. The Low Option Plan does not provide coverage for life insurance.

Amount: $ 5,000

Conversion Privilege

Available without medical exam if applied for within 31 days of loss of Eligibility. If you wish to convert your policy to an individual policy once you have lost eligibility, please call (800) 548-5157 for more information.

Accidental Death & Dismemberment (AD&D)

Additional Amount

In addition to the life insurance benefits, the Fund provides you with an accidental death and dismemberment (AD&D) benefits. The Fund pays the entire cost of coverage for eligible participants only. Your dependents aren't eligible for coverage under the plan. The Low Option Plan does not provide coverage for accidental death and dismemberment.

The maximum AD&D benefit that will be paid for all losses resulting from one accident is $5,000. The amount you receive depends on the extent of the injuryBodily harm caused by an accident. The injury must also result, for the purposes of accidental death and dismemberment coverage, directly and independently of all other causes, in a loss covered by the plan..

Exclusions

Benefits are not payable for losses due to: medical treatments, infections, self-inflicted injuries, war, in the course of commission of a crime.

Disclaimer

NOTE: This is only a brief summary of your benefits. All benefit descriptions contained herein are governed by the limitations and other information contained in your SPD.

See Life Insurance and How The Accidental Death and Dismemberment (AD&D) Plan Works in the SPD section of this website.