(224) 770−5307

Benefits & Costs

BLET Critical Illness & Accident Coverage

Summary of Benefits & Costs

Enrolling in these benefits can help offset out-of-pocket medical expenses you may incur after an accident or being diagnosed with a critical illness. Benefits are paid tax-fee directly to you. Enrolling is easy and coverages are guaranteed approved for all actively working/dues paying Members, Officers and Employees of the BLET.

Questions? Ready to Enroll? Call (224) 770−5307.

Accident Insurance

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

  • Guaranteed approved — you cannot be denied coverage!
  • Coverage available to member, spouse and/or child(ren)
  • 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.

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.

COVERAGE MONTHLY COSTS
Members/Officers $17.77
Members/Officers & Spouse $26.23
Members/Officers & Child $30.36
Family $38.82

How Does Accident Insurance Work?

How Does Accident Insurance 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

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

Critical Illness Coverage Benefits: $10,000 increments up to $40,000 (Member). $5,000 increments up to
$40,000 (Spouse). Children automatically covered at 50% of Member election at no additional cost.

  • Guaranteed approved — you cannot be denied coverage!
  • Coverage available to member, spouse and/or child(ren)
  • Lump sum benefits paid directly to individual.
  • Wellness Benefit ($100 per covered person each year).
  • No limit on number of claims that can be filed.
  • Premium never changes—you can take coverage with you after you retire.
  • Pre-existing conditions are covered day 1 as long as it is a new occurrence of the illness.

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.

A COVID-19 Rider is included. 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.

MEMBER & SPOUSE COVERAGE*
COVERAGE MONTHLY COSTS
AGE
<30
AGE
30-39
AGE
40-49
AGE
50-59
AGE
60-69
$10,000 $6.57 $9.47 $16.47 $30.27 $55.27
$20,000 $10.62 $16.42 $30.42 $58.02 $108.02
$30,000 $14.67 $23.37 $44.37 $85.77 $160.77
$40,000 $18.72 $30.32 $58.32 $113.52 $213.52

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

This program is voluntary and it is solely the Members’ decision to enroll. Members are responsible for paying their own costs. The BLET does not make any endorsement or recommendations regarding these benefits. Please note that coverage is for BLET members, officers and employees only. This is a basic summary of benefits and makes no guarantee or warranty on the processing of claims. In order to be eligible for benefits at time of claim, you must be an active member, officer or employee of the BLET or retired from the BLET. Other limitations may apply. It is the responsibility of each enrolled Member to obtain a copy and read the entire policy booklet. A copy of the policy booklet will be available on the plan website www.blet-ci-acc.com or you may request a copy of the policy booklet by email to info@unioninsurance.com. All non-banking administrative and transaction fees are included in the enclosed costs.

IMPORTANT: 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 (224) 770-5307. Failure to do so within 90 days will postpone your ability to receive a refund.

BLET