(224) 770−5307

Benefits & Costs

BLET Critical Illness & Accident Coverage

Summary of Benefits & Costs

Benefits are made available to full time, actively working Members of the BLET. 

For quick and easy enrollment, call Cornerstone at (224) 770−5307 (M-F 8am-5pm CST)

Accident Coverage Benefits

  • Guaranteed approved during open enrollment—you cannot be denied coverage!
  • Coverage available to member, spouse and/or child(ren)
  • Fast, lump sum benefits paid when an accident occurs
  • No limit on number of claims that can be filed
  • $50,000 of AD&D Coverage
  • Premium never changes—you can take coverage with you after you retire
  • Wellness Benefit – $50 per covered person*
    (*COVID-19 vaccine qualifies for a $50 wellness benefit)

Covered Injuries Include: Fractures, Burns, Concussion, Dislocation, Torn Ligament, Lacerations, and others.

Covered Services Include: Ambulance, ER visit, X-ray, MRI, Surgery, Anesthesia, Wheelchairs, Crutches, Casts, and others.

Options & Rates
Coverage Monthly Premium
Members/Officers $16.77
Members/Officers & Spouse $25.23
Members/Officers & Child $29.36
Family $37.82

How Does it Work?

Amount payable was generated based on benefit amounts for: Closed-Fracture of the Thigh ($3,000), Ambulance to Hospital ($200), Emergency Room Admission ($200), X-Ray ($30), Medical Devices (crutches) ($100), and Physician Follow-Up ($50).

Critical Illness Coverage Benefits

$10,000 increments up to $40,000

* A new COVID-19 Rider has been added to the BLET Critical Illness Plan. This cash benefit is paid directly to you in the event a physician were to confine you to an intensive care unit (ICU) for 5 days or longer after receiving a COVID-19 diagnosis.

    Coverage Benefits:

    • Guaranteed approved during open enrollment—no medical questions asked!
    • Fast, lump sum benefits paid directly to individual
    • Premium never changes—you can take coverage with you after you retire
    • Wellness Benefit ($100 per covered person each year)
      (*COVID-19 vaccine qualifies for a $100 wellness benefit)
    • Child(ren) automatically covered at 50% of member election (no additional cost)

    Critical Health Event:

    • Covered Conditions: Heart Attack, Stroke, Cancer, Major Organ Transplant, End-Stage Kidney Disease, Coronary Artery Bypass Graft, Benign Brain Tumor, Coma, Paralysis, ALS, Severe Burns and more.

    Monthly Rates

    Member & Spouse Coverage*
    Age $10,000 $20,000 $30,000 $40,000
    <30 $5.72 $9.72 $13.72 $17.72
    30-39 $8.62 $15.52 $22.42 $29.32
    40-49 $15.62 $29.52 $43.42 $57.32
    50-59 $29.42 $57.12 $84.82 $112.52
    60-69 $54.42 $107.12 $159.82 $212.52

    *Premiums listed above are for Member and Spouse individually (not combined).
    Spouse Coverage cannot exceed 100% of Member election.

    ** Each dependent child is covered at 50% of the Member’s election at no additional cost. Child(ren) must be under age 26.


    In order to be eligible for benefits you must be an active member or officer of the BLET or retired from the BLET at the time of your Accident or Critical Illness. Please note that coverage is for BLET members, officers and employees only. If you leave the union for any reason other than retirement, you are no longer eligible for coverage and it is your responsibility to contact our office immediately at 847-387-3555. The plan has limitations and exclusions that may affect benefits payable. This brochure is for illustrative purposes only. Refer to your certificate for complete details, definitions, limitations, and exclusions.

    The BLET does not may any endorsement or recommendations regarding these benefits. It is solely the members decision to enroll. This program is completely voluntary, and benefits can be elected on an a la carte basis.