Life and Accidental Death & Dismemberment (AD&D) Insurance

Quick Reference

Call the Fund Office: 203-265-6673

Coverage Highlights

• Life Insurance coverage: $40,000 (for the member only)
• AD&D Insurance coverage: $40,000 (for the member only)
• The Fund pays the full cost of Life and AD&D Insurance coverage
• If you have an accidental bodily injury and, independently of all other causes and occurrences, within 90 days after the date of the injury, you have a physical loss, you will be eligible to receive a benefit from the AD&D portion of the Plan:
  • Loss of two limbs, sight in both eyes, or loss of one limb and sight in one eye*: $40,000
  • Loss of one limb or sight in one eye*: $20,000
• You designate a beneficiary for your Life and AD&D Insurance benefits
• If you’ve opted out of Fund coverage (including providing the Fund Office with evidence you are covered under an employer group comprehensive medical benefits plan through your spouse’s employment), $1,500 will be deducted quarterly from your Administrative Account. This deduction is for Life Insurance, AD&D Insurance and Weekly Disability benefits provided by the Fund, plus an appropriate share of administrative expenses for the calendar quarter
• If you have opted out of coverage and have less than $1,500 in your Administrative Account, $500 will be withdrawn monthly
• Retiree coverage: $5,000

* Loss of limb means complete severance at or above the wrist or ankle joint. Loss of sight means the total and irrecoverable loss of sight.