Life Insurance And Accidental
Death Or Dismemberment Insurance
What Is My Life Insurance Coverage?
MetLife has been designated by the Trustees to provide group life insurance benefits for any active participant who is eligible for coverage under the Welfare Fund. If you are an active participant and you die from any cause, your designated beneficiary will be paid $50,000.
Life Insurance and Accidental Death or Dismemberment Insurance are not available to retired participants, participants on return-to-work status and any active participant not eligible for coverage in the Welfare Fund.
Can I Continue Life Insurance If I Fail To Remain Covered Under The Group Plan?
If your Welfare Fund coverage terminates, you may apply, without medical examination or other evidence of insurability, for an individual life insurance policy through Metropolitan Life Insurance Company. Your application for conversion must be made within 31 days after the termination of your insurance. Contact the Fund Office for complete details.
Your group life insurance is payable if you die within the 31-day period following termination of insurance, whether or not you have applied for conversion to an individual policy.
What Is The Accidental Death Or Dismemberment Insurance?
If, while you are insured, you are injured in a non-employment related accident and the accident is the sole cause of the injury, the injury is the sole cause of the covered loss and the covered loss occurs within one year of the date of accident, you or your beneficiary will receive the following benefits:
Covered Loss Benefit Loss of Life, your beneficiary will receive
Loss of Both Hands, or Both Feet, or Sight of Both Eyes, you will receive
Loss of any combination of Hand, Foot and Sight of One Eye, you will receive
Loss of One Hand, One Foot, or Sight of One Eye, you will receive
Loss of Thumb and Index Finger of same Hand, you will receive
Loss of Speech and Hearing, you will receive
Loss of Speech or Loss of Hearing in Both Ears, you will receive
Quadriplegia, you will receive
Paraplegia, you will receive
Hemiplegia, you will receive
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$20,000
$50,000
$50,000
$25,000
$12,500
$50,000
$25,000
$50,000
$25,000
$25,000
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The loss must result from and occur within one year of the accident.
Accidental dismemberment benefits are payable to the participant, but life insurance and accidental death benefits will be paid to your designated beneficiary.
Only one of the above amounts, the largest, will be paid on an Accidental Death or Dismemberment claim which results from one accident.
The benefit for Accidental Death is in addition to your basic life insurance benefit.
Exclusions
Accidental Death or Dismemberment insurance benefits will not be paid for any covered loss which in any way resulted from, or was caused or contributed to by any of the following means:
- an Occupational Injury; or
- physical or mental illness, diagnosis of or treatment for the illness; or
- an infection, unless it is caused by an external wound that can be seen and which was sustained in an accident; or
- suicide or attempted suicide; or
- injuring oneself on purpose; or
- the use of any drug or medicine; or
- a war, or a warlike action in time of peace, including terrorist acts; or
- committing or trying to commit a felony or other serious crime or an assault; or
- any poison or gas, voluntarily taken, administered or absorbed; or
- service in the armed forces of any country or international authority, except the United States National Guard; or
- operating, learning to operate, or serving as a member of a crew of an aircraft; or while in any aircraft operated by or under any military authority (other than the Military Airlift Command); or while in any aircraft being used for a test or experimental purposes; or while in any aircraft used or designed for use beyond the Earth’s atmosphere; or while in any aircraft for the purpose of descent from such aircraft while in flight (except for self preservation).
It is essential that you keep your beneficiary information current. Contact the Fund Office if you wish to change or update your beneficiary information.
Failure to do so can delay or prevent payment of your group life and accidental death insurance benefits or result in payment which is not what you wished.
