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Accidental Death and Dismemberment Insurance

Did you know that accidents are the third leading cause of death for all Americans?* For a family left behind, a sudden and unexpected accidental death can be difficult to deal with. Accidental Death and Dismemberment (AD&D) coverage can help you prepare for the unexpected. Your union membership entitles you to receive Accidental Death (AD) Insurance at No Cost To You for one full year. You can also enhance this coverage with up to $300,000.00 of 24 hour AD&D coverage for accidents in or outside of the workplace.

*National Vital Statistics System – Mortality data (2019) via CDC WONDER.

No Cost Accidental Death (AD) Coverage available for union members ages 18-75 for one full year.

  • 2,000.00 of coverage for accidental death that occurs anytime, anywhere in the world.
  • $10,000.00 of coverage for accidental death at work or when commuting to or from work.

Increase your coverage and include Accidental Death and Dismemberment insurance, which includes coverage for bodily impairment and dismemberment.
• Coverage available for union members ages 18-69.
Purchase up to $300,000.00 in additional insurance for coverage in the event of an accidental death and dismemberment anytime, anywhere.(1)
Family coverage is available to cover your spouse(1) and eligible dependents. Spouse benefit is 50% of the Member benefit. Children's benefit equals 10% of the coverage amount.

Coverage for primary insured includes:
$100,000.00 more for Common Carrier Fatality for any covered accidental death that occurs while you are a fare-paying passenger on any licensed common carrier, such as an airplane, train, bus or taxi.(2)
$50,000.00 more for At-Work Fatality for any covered accidental death that occurs while you are performing your regularly scheduled union work.(2)
$25,000.00 more for Motor Vehicle Fatality for any covered accidental death that occurs while you are riding in or driving a private passenger vehicle or as the result of your being struck, as a pedestrian, by a private passenger auto or any other land motor vehicle; or while you are driving for hire any land motor vehicle.(2)

In the event of a covered non-fatal accident, you may receive 10% to 100% of your Accidental Death and Dismemberment (AD&D) benefit for loss of sight, hearing, speech or limbs.(3)

Labor Dispute Waiver of Premium for active union members.
• Pays your premium for up to a whole year following the start of a union-sanctioned Strike or Lockout lasting 30 or more days (not available in all states).


This information is only an outline of The Union Labor Life Insurance Company's Accidental Death Insurance or Accidental Death and Dismemberment Insurance 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.

(1) At age 70, benefits for you or your spouse reduce to 50% of the full benefit amount. Coverage will expire for you or your spouse at age 80. If you are covered by more than one similar Union Labor Life Certificate or Policy, for which you pay premium, your total face amount of Accidental Death benefits cannot exceed $300,000.00.

(2) Death must occur within 365 days of the covered accident. Note: Additional benefits for Common Carrier, At-Work and Motor Vehicle fatalities apply to the primary insured only. They do not apply to your covered spouse or children. Only one of these benefits, whichever is the greatest, will be paid for these accidents.

(3) Loss must occur within 365 days of the covered accident.

No individual rate increase under your Union’s group insurance policy.(1)

Coverage for your unmarried, dependent children.(2)

  • Provides 10% of your Accidental Death benefit for dependent children who are full time students.

No Medical Exam Required.

Automatic Inflation Guard included.

  • Benefits increase automatically every two years up to ten years, on the anniversary of your Certificate.
  • The original amount of coverage will automatically increase by 5%, until your coverage has increased a full 25% over the first 10 years.
  • Your premiums remain the same as long as your Certificate remains in force.

60 Day No Obligation.

Upon acceptance, you will receive your Certificate of Insurance. If after your review it, you decide you don't want the coverage, you have 60 days from the Effective Date to return the Certificate for a full refund and you'll be under no further obligation. The No Cost To You coverage will remain yours for one full year from the Certificate effective date.


(1) Rates may only change if changed for everyone insured under the Group Master Policy.

(2) Restrictions to age and marital status vary by state. Each of your unmarried, dependent children will be insured for 10% of your benefit, if under age 19 (under age 21 in DC; under age 25 in NE and TX; under age 26 in IN), or under age 25, if a full-time student. In CA, your dependent children under age 26 will be insured for 10% of your benefit regardless of marital or student status., your spouse's benefits are 50 percent of your coverage, and dependent child(ren)'s benefits are 10 percent of your coverage when you cover both your spouse and children. Dependent children are those unmarried children under age 19 (21 in LA, DC; 25 in NM, TX) or age 25 if full-time student. In WA, dependent children are your children to age 26, regardless of marital status. In CA and IN, your dependent children under age 26 will be insured regardless of marital or student status. When your spouse reaches age 70, coverage will reduce to 50 percent of the full benefit amount..

We pay a benefit if an Injury results in an insured's loss of life, limb, sight, hearing, or speech. The injury must occur while the Certificate is in force. The loss must occur within 365 days of the covered Injury.

The exclusions shown below are standard exclusions. Exclusions may vary by state. Please consult your certificate of insurance for a complete list of exclusions.

The Certificate does not cover loss caused by or resulting from:

  • intentionally self-inflicted Injury, suicide, or any attempt at suicide;
  • the voluntary use of drugs, medications or sedatives, unless prescribed by a physician and taken as prescribed;
  • being legally intoxicated as defined in the state where the Injury occurs;
  • travel in any non-commercial aircraft;
  • an Injury that occurs while you are committing or attempting to commit an assault or felony; or
  • sickness, bodily or mental illness.

Please contact 1-866-863-4462 for any questions regarding these exclusions.

This is a simplified Description of Benefits. This is not an Insurance Policy or Certificate. Benefits are administered according to the provisions of the Group Master Policy and premiums are charged according to the filed rates. The information contained in this explanation is representative only, and in all cases insureds should refer to their Certificate for coverage specifics. Some provisions, benefits, exclusions or limitations listed herein may vary depending on the insured's state of residence.

Misrepresentations on your enrollment form may affect your eligibility for benefits.

IMPORTANT NOTICE: THIS CERTIFICATE DOES NOT PROVIDE COVERAGE FOR SICKNESS OR ILLNESS.

What is AD&D Insurance?

If you were to die suddenly due to a covered accident or injury, you or your beneficiary will receive the benefit amount you chose upon purchasing coverage. This lump-sum payment can then be used for immediate or future needs. Once enrolled, you will be covered 24 hours a day, 365 days a year from an accident that occurs on or off the job.

How is AD&D Insurance different from life insurance?

AD&D insurance benefits are paid in addition to any life insurance benefits and can help safeguard your family's lifestyle if the income you provide is no longer available. AD&D coverage provides benefits if an accident occurs, not if death occurs naturally. Unlike life insurance, AD&D insurance provides benefits if the insured loses a limb, sight, hearing or speech from a covered accident.

What is the benefit of Group AD&D Insurance?

Your status as a Union Member means you and your spouse can purchase valuable AD&D protection at affordable group rates. Group AD&D insurance typically offers lower rates than you could receive as an individual for the same coverage and benefit package. Group insurance also means you can never be singled out for a rate increase, or a change in benefits, even if your health changes as you grow older.

What are my rates based upon?

Your rates for coverage are based on the amount of coverage you apply for and whether you choose individual or family coverage. Rates can only be changed if changed for everyone under the Group Master Policy.

What is a premium?

The premium is the payment you make for an insurance certificate.

What is a beneficiary(ies)?

Your beneficiary(ies) is the person(s) you name in an insurance policy to receive the death benefit.

Are there any age requirements?

Coverage is available for members and their spouses ages 18-69.

Are my children eligible for coverage?

Your coverage provides 10% of your AD&D benefit for unmarried, dependent children who are full time students. 1

Can my insurance be terminated?

Coverage continues as long as premiums are paid when due, you remain a union member, the group policy remains in force and is not modified by the policyholder to end insurance for the group of insureds to which you belong. Coverage will expire for you or your spouse at age 80.

What is the Labor Dispute Waiver of Premium?

During a union-sanctioned strike or lockout lasting 30 days or more, your premium will be waived for up to 12 months one time within a consecutive 12-month period.*

Are there any exclusions to my coverage?

We pay a benefit if a covered injury results in an insured's loss of life, limb, sight, hearing, or speech. The injury must occur while the Certificate is in force and within 365 days of the covered injury. Please consult your certificate of insurance for a complete list of exclusions.

*Not available in all states

Policies are underwritten and issued by The Union Labor Life Insurance Company.

This information is only an outline of The Union Labor Life Insurance Company's Accidental Death and Dismemberment Insurance 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.

1 Restrictions to age and marital status vary by state. Each of your unmarried, dependent children will be insured for 10% of your benefit, if under age 19 (under age 21 in DC; under age 25 in NE and TX; under age 26 in IN), or under age 25, if a full-time student. In CA, your dependent children under age 26 will be insured for 10% of your benefit regardless of marital or student status., your spouse's benefits are 50 percent of your coverage, and dependent child(ren)'s benefits are 10 percent of your coverage when you cover both your spouse and children. Dependent children are those unmarried children under age 19 (21 in LA, DC; 25 in NM, TX) or age 25 if full-time student. In WA, dependent children are your children to age 26, regardless of marital status. In CA and IN, your dependent children under age 26 will be insured regardless of marital or student status. When your spouse reaches age 70, coverage will reduce to 50 percent of the full benefit amount.





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