Pipe Fitters Local 533
Pipe Fitters Local 533
VOLUNTARY INCOME PROTECTION PLAN
Discover enrollment options for financial protection.
Enrollment is simple and only takes a few minutes.
Information you will need
– Employment & Income Information
– Spouse & Dependent Dates of Birth & Contact Information
– Bank Account & Routing Numbers
Need help enrolling? Call a Benefits Advisor at (224) 770-5306.
Plan Details
All benefit options offered are guaranteed approved during open enrollment for all actively working, U.S.-Based, full-dues paying UA 533 Members.
Short-Term Disability (STD)
Guaranteed Approved Coverage: No medical questions or tests for actively working Members.
- Stackable with other eligible benefits, up to 100% of pre-disability earnings.
- Benefits paid are tax-free.
- Covers off the job disabilities caused by injuries, illnesses, or surgeries.
- Substance Abuse and Mental Health Conditions are covered illnesses.
- Pays a weekly benefit after 14th day of disability for up to 37 weeks.
- Pre-existing conditions are covered after 12 months of continuous coverage.
- Benefit election cannot exceed 60% of weekly income.
| COVERAGES | MONTHLY COSTS BY AGE BRACKET | ||||||||||||
| MAX WEEKLY BENEFIT* | <30 | 30-39 | 40-49 | 50-59 | 60-69 | ||||||||
| $250 | $17.38 | $21.75 | $27.78 | $40.75 | $59.63 | ||||||||
| $500 | $31.75 | $40.50 | $52.55 | $78.50 | $116.25 | ||||||||
| $750 | $46.13 | $59.25 | $77.33 | $116.25 | $172.88 | ||||||||
| $1,000 | $60.50 | $78.00 | $102.10 | $154.00 | $229.50 | ||||||||
| $1,200 | $72.00 | $93.00 | $121.92 | $184.20 | $274.80 | ||||||||
*For additional benefit amounts not shown, please call (224) 770-5306.
Long-Term Disability (STD)
- Stackable with other eligible benefits, up to70% of pre-disability earnings.
- Benefits paid are tax-free.
- 24/7 coverage for on and off the job disabilities caused by injuries, illnesses or surgeries.
- Substance Abuse and Mental Health Conditions are covered illnesses.
- Pays after 270 day waiting period (Short-Term Disability covers first 39 weeks).
- Pre-existing conditions are covered after 12 months of continuous coverage.
- Benefit election cannot exceed 60% of monthly income.
LONG-TERM DISABILITY OPTION 1: Pays a flat $2,000 per month for up to 2 years.
| COVERAGES | MONTHLY COSTS BY AGE BRACKET | ||||||||||||
| MAX MONTHLY BENEFIT* | <30 | 30-39 | 40-49 | 50-59 | 60-69 | ||||||||
| $2,000 | $8.00 | $10.00 | $19.60 | $29.60 | $51.80 | ||||||||
*Benefit is flat $2,000 unless earnings are below $40k. For additional benefit amounts not shown, please call (224) 770-5306.
LONG-TERM DISABILITY OPTION 2: Pays a flat benefit up to $7,500 per month for up to 5 years.
| COVERAGES | MONTHLY COSTS BY AGE BRACKET | ||||||||||||
| MAX MONTHLY BENEFIT | <30 | 30-39 | 40-49 | 50-59 | 60-69 | ||||||||
| $2,000 | $13.00 | $17.00 | $33.80 | $53.20 | $92.00 | ||||||||
| $3,000 | $18.00 | $24.00 | $49.20 | $78.30 | $136.50 | ||||||||
| $4,000 | $23.00 | $31.00 | $64.60 | $103.40 | $181.00 | ||||||||
| $5,000 | $28.00 | $38.00 | $80.00 | $128.50 | $225.50 | ||||||||
| $6,000 | $33.00 | $45.00 | $95.40 | $153.60 | $270.00 | ||||||||
| $7,000 | $38.00 | $52.00 | $110.80 | $178.70 | $314.50 | ||||||||
| $7,500 | $40.50 | $55.50 | $118.50 | $191.25 | $336.75 | ||||||||
*For additional benefit amounts not shown, please call (224) 770-5306.
Life and Accidental Death & Dismemberment (AD&D)
Guaranteed Approved Coverage: No medical questions or tests for actively working Members.
- Coverage is 24/7 on and off the job.
- Not meant to replace any existing Life Insurance coverage.
- Pre-existing conditions covered Day 1.
- Member coverage available up to $300,000 in $10,000 increments.
- Coverage includes an equal amount of Accidental Death and Dismemberment.
– If death is caused by an accident, the benefit doubles. - Spouse coverage available up to $50,000 in $5,000 increments when Member Life is elected (not to exceed 100% of Member election).
- Dependent(s) are eligible for a flat $10,000 of coverage when Member Life is elected.
| MEMBER | MONTHLY COSTS BY AGE BRACKET | ||||||||||||
| COVERAGE* | <30 | 30-39 | 40-49 | 50-59 | 60-69 | ||||||||
| $50,000 | $9.90 | $11.00 | $20.70 | $45.00 | $90.85 | ||||||||
| $100,000 | $17.80 | $20.00 | $39.40 | $88.00 | $179.70 | ||||||||
| $200,000 | $33.60 | $38.00 | $76.80 | $174.00 | $357.40 | ||||||||
| $300,000 | $49.40 | $56.00 | $114.20 | $260.00 | $535.10 | ||||||||
*For additional benefit amounts not shown, please call (224) 770-5306.
| SPOUSE | MONTHLY COSTS BY AGE BRACKET | ||||||||||||
| COVERAGE* | <30 | 30-39 | 40-49 | 50-59 | 60-69 | ||||||||
| $5,000 | $2.79 | $2.90 | $3.87 | $6.30 | $10.89 | ||||||||
| $25,000 | $5.95 | $6.50 | $11.35 | $23.50 | $46.43 | ||||||||
| $50,000 | $9.90 | $11.00 | $20.70 | $45.00 | $90.85 | ||||||||
*Spouse costs are based on Member’s age. * For additional benefit amounts not shown, please call (224) 770-5306.
| DEPENDENT | MONTHLY COSTS | |||||||||||||
| COVERAGE* | ALL DEPENDENTS UNDER 26 YEARS OLD | |||||||||||||
| $10,000 | $3.50 | |||||||||||||
*One cost covers all Dependents.
Important Information
IMPORTANT: The monthly cost for coverage is based on your age at the start of the coverage and will increase on the policy anniversary date after you move into a new age bracket.
Participation in this program is voluntary, and the decision to enroll rests solely with the Members. Members are responsible for bearing all associated costs. A $3 technology fee is included in all listed monthly costs for the following coverages: Short-Term Disability and Long-Term Disability. A $2 technology fee is included in all listed monthly costs for the following coverages: Member Life and Spouse Life.
IMPORTANT: If you depart from UA 533, opt out of paying dues, or retire, you must notify the Customer Service Center at (224) 770-5306. Not doing so within 90 days could delay or negate your eligibility for a refund. We encourage Members to thoroughly review the complete policy booklet. Email info@unionone.com to request a copy. This program is administered by Union One Benefits Administration.
This voluntary benefit plan is classified as a Safe Harbor plan and, as such, is not subject to the Employee Retirement Income Security Act of 1974 (ERISA). The UA does not contribute to the premiums for this plan on behalf of its Members, does not endorse the plan, and does not require Members to enroll in the plan. Furthermore, the Union receives no financial or other consideration in connection with the administration or promotion of this program.
For STD & LTD: These policies provide disability income insurance only and do NOT provide basic hospital, basic medical, or major medical insurance.
For Life: You have 31 days to notify Union One of your retirement if you wish to port or convert your Life Insurance. Group Insurance coverages are issued by Sun Life Financial. Sun Life financial and the globe symbol are registered trade-marks. All rights reserved.
