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• If you have opted out of coverage and have less than $1,500 in your Administrative Account, $500 will be withdrawn monthly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.

Disability Income Benefits

Quick Reference

Submit a claim (Call the Fund Office): 203-265-6673

Coverage Highlights

• If you are covered under the Fund and become totally disabled, you are unable to work, and you are under the continuous care of a doctor, you are eligible to receive the following Disability Income Benefits:
  • Up to $300 per week for up to the first 13 weeks of disability
  • Up to $200 per week for up to the second 13 weeks of disability
• Benefits start on the first day of injury or on the eighth working day due to Illness
• To receive benefits, your disability must be the result of a non-work-related injury, or any Illness or disease not entitling you to benefits under any Workers’ Compensation, occupational disease law, or similar legislation