Q. What is the Hospital Accident Care Insurance Plan?
A. With a Hospital Accident Care Plan, you can receive lump sum benefits that can help you pay for out-of-pocket expenses such as deductibles, co-payments, and out-of-network costs or for other needs. Coverage also continues for follow-up doctor visits related to your injury (up to 5 visits per year) and if an ambulance is needed (up to 5 trips per year are covered).*
Q: Who is eligible for this plan?
A: You are eligible for full benefits up to age 80. At age 80, your benefit amount will be reduced by 50%. The protection is yours for life as long as premiums are paid, and the Group Master Policy remains in force.
Q: What coverage plans are available?
A: You can choose individual coverage for $7.95/month or family coverage for $15.95/month. This plan offers protection anytime, anywhere for a covered injury.1
Q: Is my spouse and/or children eligible for coverage?
A: Family coverage protects the union member, spouse, and unmarried dependent children under age 19 (age 25 if they are full-time students).2 If you and your insured spouse are confined at the same time for the same accident, benefits may double while you are both hospitalized.
Q: Are there restrictions on how benefits are used?
A: There are no restrictions with how you use your benefits. All covered benefits are paid directly to you or to a doctor, hospital, or anyone you choose in the event of an accident. Once paid, benefits are yours to use as you wish.
Q: What if I have life insurance or AD&D coverage in addition to the Hospital Accident Care Insurance Plan?
A: Your benefits are paid in addition to any other coverage or plan. If you have more than one Union Labor Life Certificate or Policy providing the same or similar coverage, your total daily hospital benefit cannot exceed $500 for each covered person. Any excess insurance shall be void and any additional premium paid on such excess will be refunded.
Q: Are there designated doctors or hospitals that are required for coverage?
A: No. Your plan does not restrict coverage to designated doctors or hospitals.
Q: Are there limitations to this coverage?
A: Your plan does not cover injury caused by or resulting from: Intentionally self-inflicted injury; suicide, or any suicide attempt; the voluntary use of drugs, medications, or sedatives, unless prescribed by a physician; being legally intoxicated as defined in the state where the injury occurs; travel in any noncommercial aircraft; an injury that occurs while the insured is committing or attempting to commit an assault or felony; sickness, or bodily or mental illness. Exclusions may vary by state.
Q: What is the Labor Dispute Waiver of Premium?
A: During a union-sanctioned strike or lockout lasting 30 days or more, your premium will be waived for up to one year *
*Not available in all states.
Coverage is underwritten and issued by The Union Labor Life Insurance Company, Silver Spring, MD.
1Most injuries caused by an accident are covered, subject to exclusions.
2Provisions vary by state. Coverage for a dependent child stops on the date he/she ceases to be a dependent or when he/she is no longer a full-time student. To continue coverage for a dependent child who is enrolled as a full time student, written notice to the Carrier is required in advance.
This information is only an outline of The Union Labor Life Insurance Company's Hospital Daily Benefits Plan features. Once approved for coverage, it is important that you read your Certificate of Insurance for the exact benefits, terms and conditions of this insurance plan as benefits, limitations, and exclusions may vary by age and State.
