Voluntary Benefits from Union Services

Designed to offer additional protection
for Union Members and their Families

Our goal is to provide Union Members with the highest quality services and benefits at the lowest possible price. This is why we remain Independent Insurance Brokers and not captive to any Insurance Company.

We bring value to Local Unions by shopping each year for new and better benefits all with the intention of helping Union Members receive the "best value" for their money. Further, because of our large buying power, we are often able to negotiate very attractive rates and services for our Union Member Clients.

Many of our Voluntary Benefits are portable and may be retained by the Employee if they should leave their current employment. Some benefit may be retained only as long as they are Union Members.

Read more of our Benefits and Services below, then contact us today to learn more of our programs for Local Unions to offer their Members.

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Payment Methods to Collect Premiums

Our Premiums for Benefits can be paid using any of the following methods:

1. Payroll deductions - if available
2. The One-for-All Payroll System. If you are already using at least one Payroll Slot for Union Benefits, or even for Union Dues, we can aggregated multiple benefits into that one slot to deduct a new total amount. These funds are then sent from the Payroll Department to a Licensed, Total Plan Administrator (TPA) who will break out and pay the various Benefit Companies;
3. Drafted individually from a Bank or Credit Union
4. New! Direct Deposits - Many business now want their employees to direct deposit their pay check. When this is available, we can implement a partial-direct deposit to pay premiums for Union Benefits. This looks just like a payroll deduction and can be done without contract negotiations. Contact Us Today to learn more!

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Disability Insurance for Union Members

We understand Union disability insurance needs, in fact, disability is what brought us into the Union Labor Markets! We build disability plans that complement your current negotiated disability benefits from your Employer.

For example, a Local Union may have $300 a week of Sickness and Accident benefits (negotiated disability benefits) for 26 weeks. However, their average pay is $800 per week. If our Union Member becomes disabled from a hunting accident or a heart attack, his S&A benefits would then pay him a take-home amount of $220/week (less taxes and less other deductions).

With our disability plans, a Union Members could buy another $300 of tax-free income for pennies a week! This would bring there weekly disability income up to $520, which is much closer to their normal "take-home" pay.

In the event our Union Member is disabled longer than the 26 weeks of negotiated benefits, we also offer plans that pay benefits for 2,3 or 5 years.

Sample Disability Insurance Rates

Short-term Disability Insurance (last update: June, 2004)

Sample Weekly Rates for 6 months of Benefits
Waiting Periods: 0/7 Days Accident/Sickness
Rates and benefits may vary by State.

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Life Insurance

We offer a complete line of Life Insurance benefits including Term, Universal and Whole Life insurance.

Term life Insurance provides maximum protection for very low premiums and provides for the period when you have the most financial obligations. This would be when you have a mortgage and a family who depend on your income. Term Life Insurance helps to pay of your debts, get your Children through school and helps your family regain their financial footing after loosing your income.

APPLY ONLINE for "low-cost" Term Life Insurance.

Permanent Life Insurance, such as Universal and Whole Life insurance, helps to pay your final expenses such as burial, outstanding debts, and to help your Spouse and Family recover from your untimely loss. Further, permanent policies build cash value that you might be able to supplement your retirement income.

Which Life Insurance is right for you?
Prudent financial planning suggests that you need both. When you are young and beginning a family, you should consider term policies to help pay for your children's education, pay off your mortgage, and help your spouse and children survive without your income. As you get older your children become self sufficient and your mortgage and other debts usually are paid down to lower amounts, this is when your Permanent life insurance will help your remaining family with your final bills and with their transition without you. Check with your financial advisor for what's best for you.

Sample Term Life Insurance Rates for $100,000
Guaranteed Issue (no medical questions) Term Life Insurance

Lower rates are available using "simplified issue", meaning we ask a few medical questions and some in the group may be declined because of health conditions. We will get you the lowest rates in the industry. Let us give you a Life proposal for your group!

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Accident Insurance

Protecting the ones you love. That's why you work hard to support your family. Every day, a Union man or woman is injured from one of many accidents. Accidents are unexpected and it is a rare worker who is financially prepared for the medical expenses, and worse, the of income.

When are injured on the job, you receive Workers Compensation, but it doesn't begin the first day, and Workers Compensation pays a small part of your regular take home pay.

When the medical expenses begin and your income stops, you need Accident Coverage. An accident plan can be obtained from the Benefits Consultants from Union Services Group. This program may be available as a separate deduction with your dues deduction, if your Local allows for additional Benefit Payments from your Benefit program.

A sample of the recommended Accident Plan is illustrated below. The Accident Plan pays all benefits directly to you, in addition to Workers Compensation, Disability Insurance, or Hospitalization. Your covered dependents will receive the same accident coverage that you do (with the exception of the loss of earnings "Pay Check Protection" coverage). You are covered 24 hours per day.

Highlights of Accident Plan

Special Note: The Member Accident Plan may not be available in all states. Your Union Services Benefit Consultant will provide documentation of all exceptions and limitations.

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Cancer Insurance
Perhaps the most frightening illnesses of all illnesses.

Cancer can be a catastrophic medical condition that can strike without warning to men and women - old and young. Though cancer treatment can be financially disabling and disruptive to your Member's family and his/her ability to work, most cancer patients will survive.

Each Local owes it to the Membership to enable Members to enroll for supplemental Cancer Insurance. The Fringe Benefit Department of Union Services provides coverage that is simple to understand, provides unique benefits, and is affordable.

Union Services designed a special plan just for Local Members, and Locals can make this plan available to its Members. This is a Fringe Benefit that few Members have ever seen.

Highlights of the Member Cancer Plan

• Available in most states (except Northeastern USA)
• Issued as an individual, portable policy
• Pays 100% of Usual and Customary Cancer Expenses annually, up to the Annual
• Maximum Benefit each member selects
• Annual Maximum Benefit ranges from $10,000 to $50,000
• No lifetime maximum and annual benefit renews each year
• Premium rates at Member issue age remain the same as Member passes into new age rate bracket
• Cash benefits paid in addition to any other insurance
• $150 Cancer Wellness Testing benefit after Member is covered for 12 months ( based upon usual and customary charges)
• $200 per day cash for travel expenses outside the Member's local area

  Sample Weekly Premiums for $20,000 Cancer Plan

  Coverage	Ages 17-50	Ages 51-59	Ages 60-69
  Single	$5.27	$8.87	$11.32
  Member + Spouse	$8.69	$14.55	$18.52
  Member + Children	$6.39	$10.02	$12.46
  Family	$9.81	$15.70	$19.67

  Member Cancer Plan rates are based upon the preferred plan offered to Union Locals nationwide by Union Services. A major insurer underwrites all benefits. See policy illustrations for full details. May not be available in all states.

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Dental Insurance

We offer a complete line of Dental Plans including plans that can supplement your current dental plan. Our plans typically offer:

Plans that use any Dentist

100% paid with no deductible for Preventative Services such as Cleanings and X-Rays

80% after a $50 deductible for Basic Services including Fillings, Root Canals and minor Endodonics

50% after a $50 deductible for Major Services including Perodontics, Crowns, Dentures and Bridges

50% after a $50 deductible for Orthodontics (Braces) for children up to age 18

Some waiting periods may apply for those without previous coverage, and some annual and life time maximums will apply.

For Any Union Member not in a Group Dental Plan, go to: www.DentalPlans.com New!

For a GROUP proposal to all of your Local Members - CLICK HERE.

Supplement Dental Plans are available to Union Groups who's current have a substandard dental plan such as one that offers a limited schedule of benefits per procedure. By offering our Supplemental Dental plan on top of your current dental plan, you may nearly receive back up to 100 % of your expenses for most any dental treatment - and with no waiting period!

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US Savings Bonds

Union Services of America has develop an exclusive program that allows Local Union Members an easy and convenient way to buy U.S. Savings bonds!

We established a convenient way for Union Members to deduction or bank draft a small amount each pay-period, and these amounts are accumulated with a licensed, third-party Administrator. When there is enough funds to purchase a US Savings Bond, either a EE or II Bond, then one is immediately purchased and mailed directly to the Union Members Home.

Also, we offer an optional "Bond Continuation" Program in which small additional premiums allow the Union Member to buy an insurance policy that, in the unforeseen death of the Union Member, the Bond Continuation program continues to buy the same number of Bonds that the Member was buying each month, and will buy these bonds for the next ten years. These bonds are also sent the the Union Members family as a "legacy" plan from the Union Member.

Contact us today to discuss the US Savings Bonds program along with the Bond Continuation Program.

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Unions Services of America, LLC
a Division of First Benefits, Inc.
IBEW Building, 501 Pulliam Street, Suite 150
Atlanta, GA 30312

Toll Free: 877-UNION-56 (877-864-6656)
(770) 654-5900 (770) 643-4870 fax
info@UnionServices.com

Regional Offices in AL, GA, IN, NC, RI, TX, SC

© Copyright 2007 Union Services of America, LLC