Life Insurance

General Information

This benefit is insured by Anthem Blue Cross.

When the contract administrator receives proof of your death, $100,000 is paid to your named beneficiary. You may name anyone you wish, except your employer. If you are currently married and are naming someone other than your spouse as your beneficiary, your spouse must also sign a Beneficiary Designation Card. Your beneficiary designation will be automatically deemed revoked upon certain changes in marital status. If you are currently married and later divorced, your beneficiary designation of your spouse will be deemed revoked unless a Court Order requires you to maintain the beneficiary designation you make.

If you are currently single and later marry, the beneficiary designation you made will be automatically revoked unless the person you named as your beneficiary is the person who becomes your spouse. Should your beneficiary designation be automatically revoked due to either of the foregoing events, benefits will be paid to your estate.

You may also change your beneficiary at any time by filing a written change with the Union office, subject to the spouse consent requirement noted above. When recorded the change will take effect as of the date it was signed provided benefits have not been paid before it was received.

If you name more than one beneficiary:

  • But you don’t state amounts or order of payment; benefits will be paid equally divided;
  • And a beneficiary dies before you – his or her share will be equally divided to the surviving beneficiaries that you had named.

If there is no beneficiary at your death, benefits will be paid to the members of the first surviving class as follows:

  • Your spouse
  • Your children
  • Your parents
  • Your brothers and sisters
  • Your estate.

Up to $500 of the benefits may be paid to anyone who pays expenses for your final illness or burial at the discretion of the Board of Trustees. Any payment made in good faith under this provision will discharge Trustee liability to the extent of the payment.

Life Insurance Benefit Extension During Disability

If you become Totally and Permanently Disabled before age 60, your Life Insurance will be extended for one-year periods during the disability without premium payment. The amount is subject to the same reductions as for non-disabled person.

To qualify, you must:

  • Provide approved written proof of Total Disability within 12 months of its start;
  • Give proof every 12 months after that;
  • Be willing to be examined by a physician as often as is reasonable during the first two years; and, thereafter, no more than once a year.

This extension will end when you

  • Stop being disabled;
  • Reach age 70;
  • Refuse examination;
  • Fail to give proof of continued disability.

For details on your benefit coverage, please refer to ING’s Evidence of Coverage Booklet. The Evidence of Coverage Booklet is the binding document between the Plan and its participants.

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