Coverage can be purchased for spouse, children or domestic partner. Two Senior Plans These plans offer coverage for members who are ready to retire or who have retired. Acceptance is based solely on information provided in the application. The Graded Benefit Term plan amount graduates over the first four years, after which the full benefit is payable. Guaranteed Benefit Plan Members who apply for the Basic or Senior life policies but do not qualify for medical reasons are eligible for the guaranteed benefit plan.
Protection combines both term and accidental death insurance.
Coverage is provided for ages 18 through 74. This rider allows insured members who are diagnosed with terminal illnesses to qualify for up to 100 percent of their Basic Term Life Insurance Benefit while still living. Insured members who need organ transplants may, under this option, claim up to 50 percent of their Basic Term Life Insurance Benefits to pay for medical costs. Strike Protection Premiums will be waived for three full months if a union member is involved in a sanctioned strike, lockout or is laid off. This benefit can be activated after 30 consecutive days of a sanctioned strike, lockout or layoff.