Life, Accident & Hospital Supplemental Benefits
for SMART Members

Having Life, Accident and Hospital coverage options to cover gaps in your existing benefits or to supplement your life and health insurance is an important advantage for you and your family. Our Supplemental Insurance benefits are tailored to serve union members, retirees and their families with a variety of Life, Accident and Hospital coverages. We help you gain the financial security and added peace of mind you deserve while benefiting from your union’s collective buying power.

Accidental Death and Dismemberment Insurance

Receive up to $300,000 in Accidental Death and Dismemberment Insurance, which provides 24 hours of coverage anytime, anywhere in the world.

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Renewable Term Life Insurance

Ensure your loved ones are covered with renewable 10, 15, 20 or 25-Year term life insurance that pays for life's expenses and may even replace lost income due to a covered family member's death.

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Term To Age 70 Life Insurance

Take the first step towards providing your loved ones the financial security they deserve. Spouse coverage is available. And you can collect living benefits while still alive for terminal illness or organ transplant.

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Term To Age 100 Life Insurance

Help your family pay for final expenses with life insurance available to union members, retirees and their spouses that guarantees continued coverage up to age 100.

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Individual Whole Life Insurance

Choose a life insurance policy you can keep to age 100 and that builds cash value along the way.

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Hospital Daily Benefits Plan

Prepare for unexpected hospital costs that hospital insurance plans may not cover. Benefits are paid to you regardless of any additional coverage you may have.

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Hospital Accident Care Insurance Plan

Accidents happen. Choose coverage with in-hospital and out-of-hospital benefits that are paid directly to you in the event you are hospitalized due to a covered accident.

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Discount Dental Plan

Save on most dental procedures for you and your family with Union Labor Life's Discount Dental Plan for eligible members and their families. Discounts available on most dental procedures.

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