Life Insurance & Disability
| Life Insurance can help provide for your beneficiary in the event of your death. |
| Benefit | Pays your beneficiary $10,000 in the event of your death from any cause. |
| Your Beneficiary | Your beneficiary for this benefit is person(s) that the Massachusetts Laborers’ Health and Welfare Fund has on file for you for your health and welfare benefits. To change or update your beneficiary for the Health & Welfare Fund complete a Beneficiary Designation Form. |
| Extended Benefit | If you should die within 31 days from the date your insurance is terminated, the full amount of insurance will be payable to your named beneficiary or estate. |
| Conversion Privileges | Within 31 days of your termination from the Plan, you may convert your group life insurance to an individual policy by mailing an application to The Union Labor Life Insurance Company. |
| Filing a Claim | Your beneficiary should complete The Union Labor Life Insurance Claim Form and return it along with any required documentation to the Fund Office. |
| Accidental Death and Dismemberment Benefits (AD&D) |
| Benefit | If your death is the result of an accident, your beneficiary may receive an additional death benefit. If you lose a limb or your sight as a result of an accident, a benefit may be paid to you.
Refer to the Summary Plan Description for a schedule of the description of losses and benefits payable. |
| Your Beneficiary |
Your beneficiary for the accidental death benefit is the same person you have for your life insurance. To change or update your beneficiary for the Health & Welfare Fund complete a Beneficiary Designation Form.
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| Filing a Claim | Your beneficiary should complete an AD&D Benefits Claim Form and return it along with any required documentation to the Fund Office. |
| Summary Plan Description |
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