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Why Local 109 is offering these benefits

Our Health Benefits DO NOT provide any financial support if you are unable to work due to an illness or injury—Not having any Short-Term Disability coverage leaves 100% of your weekly paycheck at risk for 26 weeks! Can your household get by without any of your income for 6 months?!

Life Insurance is also available for our Members and their families. Most households are underinsured. Currently, our Members only receive 1 to 3 times their income in life insurance and experts recommend that you have 5 to 10 times your annual income.

These Paycheck Protection coverages will help Members avoid a financial crisis if you are unable to work and there is no income for you or your loved ones.

How it Works

These Paycheck Protection Benefits pay in addition to your Health and Welfare benefits when you’re unable to work due to illnesses, injuries or death. We’ve made options available so members can protect most of their current take home pay and choose the plan options that best address the needs for themselves and their loved ones.

Our active members are guaranteed approved; there are no medical tests, questions or underwriting to enroll!

Why Short-Term Disability (STD)

Close to 90% of disabling accidents and illnesses in America are not work related and therefore not covered by workers’ compensation. This makes sense when you think about everything you do outside of work from household tasks to your hobbies and interests. It can happen to any Local 109 member, and anyone who has experienced a tragic ‘health’ event or knows someone who has can attest to how difficult these situations can be both emotionally and financially for everyone involved.

Why Life Insurance with Accidental Death & Dismemberment (AD&D)

Most of us are underinsured for Life Insurance benefits that provide for our loved ones if something happens to us. Experts recommend at least 5 to 10 times your annual earnings in Life Insurance per household.

We encourage our members to think about the future by making sure your loved have been provided for in the event of an unexpected death. Members can purchase up to $250,000 of term Life Insurance that covers you 24-7, on and off the job. This Life Insurance includes an equal amount of AD&D at no additional cost. This means, if the member dies as the result of an accident, the benefit amount of their Life Insurance paid to their beneficiary would double.