Benefits for AFGE Members

When you join the union, you have access to these AFGE benefits. These benefits are backed by the collective strength of over 10-million members of AFL-CIO unions. By using one or two of the programs, many members save as much as their annual dues.

These Money-Saving Benefits are Available Only to AFGE Members:

Free Accident Insurance

Free Accident Insurance

Every five minutes, someone in America dies from an accident. The Union Plus Insurance Accidental Death & Dismemberment (AD&D) plan creates a safety net for members and their families.

Your AFGE membership entitles you to enroll for one year of no-cost coverage:

• $5,000 of coverage against accidental death from covered motor vehicle/pedestrian accidents, or
• $1,000 of coverage for death due to any other type of accident at home, at work and while commuting or traveling anywhere in the world.
• This benefit is not automatic. Enroll online or download the enrollment PDF form to take advantage of this coverage - at no cost for union members! Coverage may be renewed at the end of each one-year term.

Purchase enhanced coverage:

For added protection and peace of mind, you may choose to purchase additional accidental death and dismemberment coverage from $25,000 to $200,000 at group rates.

• $25,000 to $200,000 base amount all-cause, 24-hour accidental death and dismemberment benefits.
• If an accidental death* occurs due to injury sustained while riding as a passenger on any common carrier - such as an airplane, train, bus or taxi - your beneficiary would receive an additional $100,000 in coverage. For example, if you purchase $150,000 of expanded coverage, your beneficiary would receive $250,000.
• If an accidental death results from a workplace accident, your beneficiary would receive an additional $50,000.* For example, if you purchase $100,000 in expanded coverage, your beneficiary would receive $150,000.
• If an accidental death results from a motor vehicle accident or as a pedestrian, your beneficiary would receive an additional $25,000 in coverage.* For example, if you purchase $100,000 of expanded coverage, your beneficiary would receive $125,000.
• Benefits are paid for loss of limbs, speech, hearing or sight.
• Coverage provided for the member alone or entire family 24-hours-a-day, everywhere.
• Pays in addition to any other insurance you may have.
• No termination age; however, benefit amounts reduce by half at age 70.

*Only one benefit, whichever is the greater, will be paid for any one accident. Death must occur within 365 days of injury.

Additional coverage members can purchase:

• 60-day review period with a satisfaction guarantee.
• Guaranteed to be issued - no health questions or medical exam or exclusions based on pre-existing conditions.
• Family Coverage - Entire immediate family can be covered for one price. (May not be available in all states or in all unions)

Who should purchase AD&D coverage?

Any union member who wants coverage that will help pay for the rent or mortgage, food, clothes, transportation, medical bills, school, college and the many day-to-day living expenses a family will have after the member's death.

How much does it cost?

Monthly Premiums:

Enhanced Coverage for Individual (for union member) or Family (for union member, spouse/domestic partner, and children):

$25,000 - $3.27 (individual), $4.00 (family)
$50,000 - $5.24 (individual), $6.70 (family)
$75,000 - $7.21 (individual), $9.40 (family)
$100,000 - $9.19 (individual), $12.10 (family)
$125,000 - $11.16 (individual), $14.80 (family)
$150,000 - $13.13 (individual), $17.50 (family)
$175,000 - $15.10 (individual), $20.20 (family)
$200,000 - $17.07 (individual), $22.90 (family)

*After age 70, Enhanced coverage benefits reduce by half. Rates and/or benefits may be changed on a class basis.

**Rates shown are countrywide except for Washington. For Washington rates, please call 1-800-393-0864.

***Spouse/domestic partner benefit is 50% of union member's selected benefit; children's coverage is 10% of union member's selected coverage.

Who is eligible for coverage?

• No-cost coverage: Only for union members ages 18 and older.
• Enhanced coverage: Union members and spouses or domestic partners ages 18 and older.
• Spouse or domestic partner can purchase coverage separately.
• Spouse or domestic partner and children can be combined into one family policy with member.
• Children to age 19 (24 if full-time student).
• Available in all states and the District of Columbia - not available in Canada or U.S. territories.
• Accidental death is covered 365 days from date after the accident that caused fatal injuries.

Available outside the US?

Answer: No. AFGE continues its effort to expand this and other benefit programs to all members regardless of where they reside.

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Access: This benefit is only available to members of AFGE. If you are a member of AFGE, please login to the Members Only section. If you are not a member, but would like to find out how to become one, please visit the Join AFGE section.

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