Contact Info:

OFFICE HOURS:

Monday-Friday

9am-5pm CST

PHONE:

800-450-1271

773-427-6875 fax

EMAIL:

Customer Service

POSTAL ADDRESS:

1701 E. Lake Avenue

Suite 400

Glenview, IL 60025

  • Overview
  • Eligibility
  • Coverage
  • Cost
  • Enroll Now
  • Forms and Documents
  • Claims

Currently, as a member of International Union of Elevator Constructors, if you were to become disabled due to an accident, injury, or illness, off the job, you will receive $500 per week from the IUEC sickness benefit. This benefit is received for only 26 weeks. 

The IUEC Supplemental Disability Benefit Plan that is being offered by Group Benefit Associates will provide a benefit that will be paid to you in-addition to the Sickness Benefit. As you are aware, it is simply not possible to pay your bills on just the sickness benefit you currently receive.

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 International Union of Elevator Constructors within the last 90 days, you are within your open enrollment window and can join with no medical questionnaire. If you elect to enroll after your open enrollment period, you will have to complete a medical questionnaire and receive approval from the insurance company to join the plan.

As a plan participant you must notify Group Benefit Associates:

  • Within 30 days of any layoff and again within 30 days of my subsequent return to work
  • Within 30 days of any disability that prevents you from working
  • Within 30 days of withdrawing from the Union
  • Immediately when my wage rate changes
  • Immediately when my bank account or credit card information changes for the purpose of premium collection
I understand that failure to notify Group Benefit Associates in a timely manner of any of the above listed changes can affect my participation in the plan or the benefits I am eligible to receive under the plan.

Short Term Disability (STD)

  • Benefit Begins: 15th day non-occupational accidental injury, 15th day non-occupational sickness or pregnancy.
  • Benefit Amount: $325 benefit per week (not to exceed 70% of weekly earnings)
  • Benefit Period: 24 weeks
  • Pre-existing Conditions: Exclusions apply. Please refer to the Summary of Benefits for explanations.

During the first 12 months of coverage, no STD benefits will be paid for a disability that is due to a pre-existing condition. A pre-existing condition is an injury or sickness for which you received medical treatment, consultation, diagnostic measures, prescribed drugs or medicines, or for which you followed treatment recommendations during the three months prior to your effective date of coverage. This provision also applies if you did not consult a physician when an ordinarily prudent person would have. Exclusions may vary by state.

Long Term Disability (LTD)

  • Benefit Begins: 180 days following non-occupational accidental injury, sickness or pregnancy
  • Benefit Amount: 60% of your monthly earnings up to $5,000 benefit per month. Minimum monthly benefit of $100
  • Maximum Benefit Period: 5 years
  • 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.
  • Survivor Benefits: In the event of your death, three times your gross disability payment is payable to your spouse or children under age 19.
  • Pre-existing Conditions: Exclusions apply. Please refer to the Summary of Benefits for explanations.

Short-Term Disability (STD)

  • For STD benefit of $325 per week, the monthly premium is $25.53.

Long-Term Disability (LTD)

Long Term Disability premiums are based on your age and wage rate. To calculate your LTD premium follow the steps below:

 

Enter your hourly wage rate
$
____.__
Multiply by 2080
=
____.__
Divide by 12
=
____.__ Monthly Earnings*
Multiply by 0.00480
=
____.__
    LTD Premium

*If your monthly earnings exceed $8,333 (maximum monthly covered earnings) then use $8,333 as your monthly earnings to calculate your premium.

Add the short-term disability premium to determine your total monthly premium +$25.53 = $_______._____ Total Premium

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.

  • If you have been a member of IUEC for longer than 90 days, you are considered a late applicant and must complete a LATE APPLICANT ENROLLMENT FORM. You can expect the insurance carrier to make a determination within 14 business days. You will receive a letter from the insurance carrier to advise if your enrollment has been accepted.
  • If you joined IUEC within the last 90 days, you are within your open enrollment window and can join with no medical questionnaire. Click HERE TO ENROLL ONLINE, or download the NEW MEMBER ENROLLMENT FORM, then fax or mail your completed enrollment form to Group Benefit Associates.
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.

How Your Claim Will Be Handled:

Group Benefit Associates will begin waiving your premium as of the date of your disability. The processing of your claim will be handled by The Hartford 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.

Hartford Customer Service Department

Phone: 800-331-7234

Fax: 860-392-6980

Premium billing questions are handled by Group Benefit Associates at 800-450-1271.