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Life and Accidental Death & Dismemberment Benefit

Choose your bargaining group and status, then click GO! to get your Life Insurance and/or Accidental Death and Dismemberment (AD&D) benefit information. The Trust offers this benefit through the Standard Insurance Company.

To enroll in Optional Life and Voluntary AD&D, click on the Enrollment Guide below under Life and AD&D Plan Documents.

Life Insurance and/or Accidental Death and Dismemberment (AD&D) coverage provide financial protection for your beneficiaries if you die or are in a serious accident. The Trust offers this benefit through the Standard Insurance Company.

To enroll in Optional Life and Voluntary AD&D, click on the Enrollment Guide below under Life and AD&D Plan Documents.

If the information below does not represent your union group or status, please reset your profile.

1

Choose your Bargaining Unit

Which union do you belong to?

ATU/DCU
PAT
PFSP

Don't know what union you belong to? Contact the Trust administrative office.

2

Choose Your Status

What is your status within your union group?

Active FT
Type 10 Driver
Early Retiree
Active FT & PT
Substitute
Early Retiree
Active FT & PT
Early Retiree
3

Get Your Benefit Information

Click the button below to view your specific benefits

GO!

ATU and DCU Active Members:
Full–Time Employees

Full Coverage including Medical, Prescription, Dental, Vision—2024 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Not your union or status? Reset your profile.

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

Provided by The Trust

 

Basic Term Life:
Up to $30,000 per member

 

Basic AD&D:
Up to $30,000

Optional Life and Voluntary Accidental Death & Dismemberment (AD&D)

Purchase optional coverage for yourself and eligible covered dependents.

You must purchase Optional Life and Voluntary AD&D for yourself in order to buy coverage for your dependents.

Coverage may be subject to medical underwriting approval.

 

Optional Life:

Employee and Spouse: $10,000 to $500,000 in $10,000 increments not to exceed 5 times annual salary

Child(ren): $2,000 to $10,000 in $2,000 increments

 

Voluntary AD&D:

Employee: $25,000 to $300,000 in $25,000 increments

Spouse: 50% of your selected coverage

Child(ren) Only: 15% of your AD&D coverage amount for each child up to $25,000

Spouse and Child(ren): 40% of your selected coverage for your spouse and 10% of your selected coverage (up to $25,000) per child

Life and AD&D Plan Documents

ATU Type 10 Drivers:
Full–Time Employees

Full Coverage including Medical, Prescription, Dental, Vision

October 1, 2023 – March 31, 2024
(To see previous Plan Year benefit information, go to Archives.)

Not your union or status? Reset your profile.

ATU Type 10 Drivers are not eligible for basic Term Life Insurance and/or Accidental Death and Dismemberment (AD&D) coverage.

ATU Type 10 Drivers are not eligible to enroll in Optional Life Insurance and/or Voluntary Accidental Death and Dismemberment (AD&D) coverage.

ATU/DCU Members:
Early Retirees

Medical, Prescription, Self-Pay Dental and Self-Pay Vision Coverage—2024 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Not your union or status? Reset your profile.

ATU/DCU Early Retiree members are not eligible for basic Term Life Insurance and/or Accidental Death and Dismemberment (AD&D) coverage.

ATU/DCU Early Retiree members are not eligible to enroll in Optional Life Insurance and/or Voluntary Accidental Death and Dismemberment (AD&D) coverage.

PAT Active Members: Option 1 Plans
Full–Time and Part–Time Employees

Full coverage including: Medical, Prescription, Dental, Vision—2024 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Click here for Option 2 Plans for Part–Time Employees    :::::    Not your union or status? Reset your profile.

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

Provided by The Trust

 

Basic Term Life:
Up to $50,000 per member

 

Basic AD&D:
Up to $50,000

Optional Life and Voluntary Accidental Death & Dismemberment (AD&D)

Purchase optional coverage for yourself and eligible covered dependents.

You must purchase Optional Life and Voluntary AD&D for yourself in order to buy coverage for your dependents.

Coverage may be subject to medical underwriting approval.

 

Optional Life:

Employee and Spouse: $10,000 to $500,000 in $10,000 increments not to exceed 5 times annual salary

Child(ren): $2,000 to $10,000 in $2,000 increments

 

Voluntary AD&D:

Employee: $25,000 to $300,000 in $25,000 increments

Spouse: 50% of your selected coverage

Child(ren) Only: 15% of your AD&D coverage amount for each child up to $25,000

Spouse and Child(ren): 40% of your selected coverage for your spouse and 10% of your selected coverage (up to $25,000) per child

Life and AD&D Plan Documents

PAT Active Members: Option 2 Plans
Part–Time Employees Only

Partial coverage including: Medical and Prescription Drug—2024 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Click here to view Option 1 Plans for Full–Time and Part–Time Employees    :::::    Not your union or status? Reset your profile.

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

Provided by The Trust

 

Basic Term Life:
Up to $50,000 per member

 

Basic AD&D:
Up to $50,000

Optional Life and Voluntary Accidental Death & Dismemberment (AD&D)

Purchase optional coverage for yourself and eligible covered dependents.

You must purchase Optional Life and Voluntary AD&D for yourself in order to buy coverage for your dependents.

Coverage may be subject to medical underwriting approval.

 

Optional Life:

Employee and Spouse: $10,000 to $500,000 in $10,000 increments not to exceed 5 times annual salary

Child(ren): $2,000 to $10,000 in $2,000 increments

 

Voluntary AD&D:

Employee: $25,000 to $300,000 in $25,000 increments

Spouse: 50% of your selected coverage

Child(ren) Only: 15% of your AD&D coverage amount for each child up to $25,000

Spouse and Child(ren): 40% of your selected coverage for your spouse and 10% of your selected coverage (up to $25,000) per child

Life and AD&D Plan Documents

PAT Members:
Substitutes

Medical and Prescription Drug (Members and Enrolled Dependents) and Dental (Members Only)

2023-2024 Plan Year, October 1, 2023 – September 30, 2024
(To see previous Plan Year benefit information, go to Archives.)

Not your union or status? Reset your profile.

PAT Substitute Teachers are not eligible for basic Term Life Insurance and/or Accidental Death and Dismemberment (AD&D) coverage.

PAT Substitute Teachers are not eligible to enroll in Optional Life Insurance and/or Voluntary Accidental Death and Dismemberment (AD&D) coverage.

PAT Members:
Early Retirees

Medical, Prescription, Self-Pay Dental and Self-Pay Vision Coverage—2024 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Not your union or status? Reset your profile.

PAT Early Retiree members are not eligible for basic Term Life Insurance and/or Accidental Death and Dismemberment (AD&D) coverage.

PAT Early Retiree members are not eligible to enroll in Optional Life Insurance and/or Voluntary Accidental Death and Dismemberment (AD&D) coverage.

PFSP Active Members: Option 1 Plans
Full–Time and Part–Time Employees

Medical, Prescription, Dental, Vision—2024 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Click here for Option 2 Plans for Part–Time Employees    :::::    Not your union or status? Reset your profile.

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

Provided by The Trust

 

Basic Term Life:
Up to $30,000 per member

 

Basic AD&D:
Up to $30,000

Optional Life and Voluntary Accidental Death & Dismemberment (AD&D)

Purchase optional coverage for yourself and eligible covered dependents.

You must purchase Optional Life and Voluntary AD&D for yourself in order to buy coverage for your dependents.

Coverage may be subject to medical underwriting approval.

 

Optional Life:

Employee and Spouse: $10,000 to $500,000 in $10,000 increments not to exceed 5 times annual salary

Child(ren): $2,000 to $10,000 in $2,000 increments

 

Voluntary AD&D:

Employee: $25,000 to $300,000 in $25,000 increments

Spouse: 50% of your selected coverage

Child(ren) Only: 15% of your AD&D coverage amount for each child up to $25,000

Spouse and Child(ren): 40% of your selected coverage for your spouse and 10% of your selected coverage (up to $25,000) per child

Life and AD&D Plan Documents

PFSP Active Members: Option 2 Plans
Part–Time Employees Only

Partial coverage including: Medical and Prescription Drug—2024 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Click here to view Option 1 Plans for Full–Time and Part–Time Employees    :::::    Not your union or status? Reset your profile.

Optional Life and Voluntary Accidental Death & Dismemberment (AD&D)

Purchase optional coverage for yourself and eligible covered dependents.

You must purchase Optional Life and Voluntary AD&D for yourself in order to buy coverage for your dependents.

Coverage may be subject to medical underwriting approval.

 

Optional Life:

Employee and Spouse: $10,000 to $500,000 in $10,000 increments not to exceed 5 times annual salary

Child(ren): $2,000 to $10,000 in $2,000 increments

 

Voluntary AD&D:

Employee: $25,000 to $300,000 in $25,000 increments

Spouse: 50% of your selected coverage

Child(ren) Only: 15% of your AD&D coverage amount for each child up to $25,000

Spouse and Child(ren): 40% of your selected coverage for your spouse and 10% of your selected coverage (up to $25,000) per child

Life and AD&D Plan Documents

PFSP Members:
Early Retirees

Medical, Prescription, Self-Pay Dental and Self-Pay Vision Coverage—2024 Plan Year (January 1 – December 31)
(To see previous Plan Year benefit information, go to Archives.)

Not your union or status? Reset your profile.

ATU/DCU Early Retiree members are not eligible for basic Term Life Insurance and/or Accidental Death and Dismemberment (AD&D) coverage.

ATU/DCU Early Retiree members are not eligible to enroll in Optional Life Insurance and/or Voluntary Accidental Death and Dismemberment (AD&D) coverage.