GBA Contact Info:

OFFICE HOURS:

Mon. through Fri.

9am-5pm CST

PHONE:

800-450-1271

773-427-6875 fax

EMAIL:

CustomerService

POSTAL ADDRESS:

1701 E. Lake Avenue

Suite 400

Glenview, IL 60025

  • Welcome Ltr
  • Overview
  • Eligibility
  • Coverage
  • Cost
  • Enroll Now
  • Forms
  • Claims

Dear Brothers and Sisters:

ATU 241 leadership understands that a need exists for Short Term and Long Term Disability Insurance. That is why I am pleased to announce that ATU 241 has endorsed a Voluntary Group Short Term and Long Term Disability Insurance program. These benefits are being offered through Group Benefit Associates (GBA) and MetLife.

This new disability plan is designed to pay a benefit to you in the event you cannot work due to a non-work related illness or injury. If you are off of work due to your own pregnancy, there are benefits provided for that also.

Here is how the plan works:

Short Term Plan - The plan provides 50% of your income tax-free, up to $400 per week, for a total of 24 weeks. It is payable after you have been off work for a total of 15 days, due to a non-work related injury, sickness, or pregnancy.

Long Term Plan - Should your inability to return to work last beyond 180 days, this plan pays you 50% of your income tax free, up to $5,000/month, for up to two years or until you are no longer considered disabled.

If you need to work to pay your bills and meet your financial obligations, please consider participating in this program.

This disability plan is specifically designed for ATU Local 241 PACE & MV members to help them protect their income and assets in the event of a disability. Coverage includes a non-work related illness or injury. The plan also includes a pregnancy benefit.

Some Questions to Think About

  • Could you afford to take a six-month vacation? If you can’t, do you think you could afford living through a six-month illness or injury?
  • How would you and your family pay your bills without your income?
  • How long would your savings last if you were unable to work because of an illness or accident and your income stopped?
  • If you were sick or injured in an accident today, would your family’s standard of living be affected?
  • What impact would a long-term illness or injury have on your ability to save for retirement?
  • You must be actively working a minimum of 25 hours per week to enroll.
  • If you joined ATU 241 PACE & MV within the last 90 days, you are within your open enrollment period and can join with no personal health statement.
  • If you have been a member of ATU 241 PACE & MV for longer than 90 days, you must wait to apply during the annual open enrollment. Open enrollment is held each year from April 1-April 30. No applications will be considered outside of open enrollment for existing union members.

As a plan participant, you must notify Group Benefit Associates:

    Within 30 days of any layoff and again within 30 days of your subsequent return to work

    Immediately when your bank account or credit card information changes for the purpose of premium collection

    Immediately when your wage rate changes

    Within 1 year of your date of disability if you become disabled

    Within 30 days if you withdraw from the Union

    If your work hours drop below 25 hours per week

    Immediately if you are no longer employed by PACE/MV

Failure to notify Group Benefit Associates in a timely manner of any of the above listed changes can affect your participation in the plan or the benefits you are eligible to receive under the plan.

 

Pre-Existing Condition Information:

You are considered disabled when you are unable to perform the major duties of your own occupation or any gainful work due to a non-occupational sickness, injury, or pregnancy and the claim is approved by the insurance company.

During the first 12 months of coverage, benefits will not be paid for a disability that is due to a pre-existing condition. A pre-existing condition is an injury, sickness, or pregnancy for which you received medical treatment, consultation, diagnostic measures, prescribed drugs or medicines, or for which you followed treatment recommendations, during the Six months prior to your effective date of coverage. Once you are covered under the plan for 12 months and you are actively at work at the end of the 12th month, all Pre-Existing Exclusions are waived.

 

Group Benefit Associates has teamed together with MetLife to bring you this program. MetLife is the insurance carrier for the policy and processes all claims. Group Benefit Associates is the third-party administrator responsible for enrollments and premium collection.

Short Term Disability (STD)

  • Benefit Begins: 15 day non-occupational accidental injury, 15 day non-occupational sickness, or pregnancy
  • Benefit Amount: 50% of monthly covered earnings
  • Maximum Benefit: $400 per week.
  • Benefit Period: 24 weeks

Long Term Disability (LTD)

  • Benefit Begins: 180 days following non-occupational accidental injury, sickness, or pregnancy
  • Benefit Amount: 50% of monthly covered earnings
  • Maximum Benefit: $5,000 per month
  • Benefit Period: 2 year maximum
  • Limited Pay Periods: Disabilities due to mental illness and disabilities primarily based on self-reported symptoms are limited to 24 months of benefits during your lifetime.

 

Pre-Existing Condition Information:

You are considered disabled when you are unable to perform the major duties of your own occupation or any gainful work due to a non-occupational sickness, injury, or pregnancy and the claim is approved by the insurance company.

During the first 12 months of coverage, benefits will not be paid for a disability that is due to a pre-existing condition. A pre-existing condition is an injury, sickness, or pregnancy for which you received medical treatment, consultation, diagnostic measures, prescribed drugs or medicines, or for which you followed treatment recommendations, during the Six months prior to your effective date of coverage. Once you are covered under the plan for 12 months and you are actively at work at the end of the 12th month, all Pre-Existing Exclusions are waived.

Short-Term & Long-Term Disability Benefit Cost

  • The Monthly Premium of $104.13 includes both Short-Term and Long-Term Disability benefits. All premiums will be collected automatically from a Visa, MasterCard or direct debit from a checking account on the 15th of the month.

 

Cancellation Requests: Cancellation requests must be received in writing by mail, fax, or e-mail. Cancellations will become effective on the last day of the month in which they are received.

Premium Waived if Disabled: Premium will not need to be paid if you are receiving benefits. Please contact us within 30 days of your disability so that we may waive your premium while you are not working.

Premium Payments: Your initial premium due will be collected within 5 business days of your enrollment. Subsequent premiums will be collected automatically from a Visa, MasterCard or direct debit from a checking account on the 15th of each month. If the 15th falls on a weekend or holiday, the charge will occur on the next business day.

Click below to enroll online

Enroll Now

  • If you prefer to complete a paper application, you may DOWNLOAD and mail or fax the application form.

 

Note: If you have been a member of ATU 241 PACE & MV for longer than 90 days, you must wait to apply during the annual open enrollment. Open enrollment is held each year from April 1-April 30. No applications will be considered outside of open enrollment for existing union members.

The following PDF documents are provided for your reference:

Claim Forms:

Filing A Claim

The disability income insurance claim form is composed of three separate sections that need to be completed by you, your physician and your employer.

  • Employee Section: Please be sure to complete this part clearly and sign where indicated.
  • Physician Section: Please have the physician that disabled you complete this part. If you have seen additional physicians, please also include their names, addresses, phone numbers and fax numbers on a separate sheet of paper.
  • Employer Section: Even though your policy is purchased through the union, your benefit is based on the income you receive from your particular employer. Your employer assumes no liability or responsibility for your claim by completing this form for you.

Failure to provide proper information and documentation will delay your claim so it is very important the claim form is complete and clear. Once complete, forward the form to MetLife by mail or fax.

 

How Your Claim Will Be Handled:

The processing of your claim will be handled by MetLife and therefore you may inquire with them regarding the status of your claim. Please note that Group Benefit Associates does not have access to information regarding claims determination or benefit payments. However, please call Group Benefit Associates to let us know that you are out of work so we may waive your premium while you are not actively working.

MetLife Claims Customer Support:

Telephone: 888-444-1433

Fax: 800-230-9531