Accident and Disability Insurance
Accident Indemnity
Why An Accident Indemnity Plan?
Last year alone, over 80 million individuals sought medical attention due to an accident causing injury. That’s why an accident indemnity plan from the UTUIA can be the right choice for so many families. Our Accident Indemnity Plan covers you and your family both on and off the job. The benefits are payable directly to you regardless of other coverage and can help pay for expenses such as:
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Emergency Treatment
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Hospital Confinement
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ICU Confinement
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Major Diagnostic Exams
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Physical Therapy
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Prosthesis
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Ambulance
Remember:
- NO PHYSICAL EXAM
- Premium does not increase with age
- Benefits will never be reduced
- All children covered for one low rate
- All benefits paid directly to you
A survey of emergency room visits shows more than a million times a year, or about every 25 seconds, a young athlete visits the hospital for a sports related injury. So whether you have children or not, Contact your Regional Insurance Manager today to learn more about why an Accident Indemnity Plan is a smart choice.
It helped Local 627 Chairperson John Foote. While being transported in a carrier van, Foote’s life permanently and unexpectedly changed in an instant. His deployed airbag and seatbelt saved his life, but the resulting injuries he suffered required ongoing medical attention. His UTUIA Accident Indemnity policy saved him from many of those ensuing medical expenses.
Accidental Death and Dismemberment
Accidents happen every day and unfortunately, accidental death is more common than you may think. UTUIA’s Accidental Death and Dismemberment plan is designed with your families needs in mind.
UTUIA’s Accidental Death and Dismemberment policy provides a benefit for death caused by an accident. A dismemberment benefit for loss of hands, feet or eyesight is also provided, as explained below.
Guaranteed approval for active transportation employees and their family.
The UTUIA offers three benefit levels. You choose the level of protection that’s right for you and your family.
Benefits and Premiums for Primary Insured
Accidental Death: $20,000 $40,000 $60,000
Private Auto Death: 30,000 60,000 90,000
Common Carrier Death: 60,000 120,000 180,000
Double Dismemberment: 20,000 40,000 60,000
Dismemberment: 10,000 20,000 30,000
Daily ICU Confinement: 200 400 600
Surface Ambulance (up to): 100 200 300
Air Ambulance (up to): 600 1,200 1,800
Daily Family Lodging:* 20 40 60
Daily Family Meals:* 10 20 30
Monthly Premium: $6.50 $13.00 $19.50
Optional Benefits
- Family rider provides coverage for your spouse and children*
*Certain restrictions apply. See policy for details.
For more information contact your Regional Insurance Manager or complete the information request form.
Cancer Hospital Indemnity
Cancer Hospital Indemnity
Who among us has not known someone who has been affected by this disease which manifests itself in many forms. Thanks to medical technology and massive gains in research and the treatment of cancer, there is much hope for many of those who have been affected. Indeed, the statistics show that through early detection and treatment, the future is bright for so many but, the costs can be staggering. That’s why so many UTUIA families own a Cancer Hospital Indemnity policy. Just look at the great benefits offer:
- $2,000.00 – First Diagnosis Benefit
- $300.00 per day – Hospital Confinement Indemnity
- $600.00 per day -$18,000 per month Extended Stay Benefit
- $100.00 per day – Home Recovery and Convelescent Care Benefit
- $15,000.00 – Bone Marrow Transplant
Your entire family can be covered with no medical exam or blood work!
Rates start as low as $9.00 per month!
Disability Income Replacement
Disablility Income Replacement
Today you’re healthy. You have the ability to earn money. That money buys food and clothing, pays the mortgage or rent, and much more. In fact, your earning power has produced everything you have. So the most valuable asset you have is your ability to work and earn money.
But what about tomorrow? Your ability to earn an income may stop or be interrupted because of an accident or sickness. During that time you may find it difficult to maintain your standard of living — and impossible to plan for the future.
Unfortunately, the chance of a disabling accident or sickness putting you out of work is a distinct possibility. It is more real than you think, and it can have a lasting effect on you and your family.
Although UTUIA cannot prevent a physical disability from happening, we offer options to prevent the economic disability that often accompanies a physical disability. We know that the key to financial security is protection against disabilities that can interrupt your earning power. That’s why we continue to offer Disability Income Replacement protection.
With multiple benefit periods and elimination periods, UTUIA’s disability plan allows you to customize your coverage to fit your financial needs. This plan is not offset by group disability plans, so your payments cannot be decreased.
UTUIA’s disability policy is guaranteed renewable. You are guaranteed the right to continue your coverage until you reach age 65 or retire, whichever occurs first. This means UTUIA can never refuse to renew your policy as long as premiums are paid.
Optional Riders:
- Waiver of Premium Rider – Premiums for the basic policy and any riders attached to it will be waived for the calendar month following the number of consecutive days of total disability for the elimination period of 30-,60-, or 90-days.
- Motorcycle Rider – Will provide coverage when riding motorcycles, snowmobiles and three- and four-wheel all terrain vehicles for pleasure only.
Benefits are not payable during the period you are receiving benefits under an employer-sponsored wage continuation program. The needs of each individual are different and should be carefully considered in making important decisions with respect to the purchase of insurance. To obtain personal assistance, contact your Regional Insurance Manager or complete the Information Request Form.