No, each 60-day enrollment window has an effective date of coverage that occurs once the enrollment window closes. You will not be covered until that effective date.

1. Membership requirement:

• You must be an actively working, full-dues paying Member of the International Union of Elevator Constructors, living in the U.S., Puerto Rico or Guam.

2. Employment and actively working requirement:

• You must be employed and actively working under a U.S., Puerto Rico, or Guam-Based collectively bargained signatory contract on the effective date of coverage.
• You must be actively working on or immediately before your effective date of coverage (based on when you enroll) to be eligible. This means performing your job duties of your classification for your employer on that specific date.
  • Definition of “actively working”: The following situations are considered as “actively working” days:

1. 1. Days worked: Any day you work a full day as scheduled by your employer, performing the duties of your classification.
      2. Scheduled days off: Days you are not scheduled to work but are still employed and physically able to work.
      3. Vacation time: Paid vacation days approved by your employer, when you are still physically able to work.
      4. Paid Time Off (PTO): Any paid leave days granted by your employer, such as sick leave or personal days, when you are still physically able to work.
      5. Periods between jobs: Time between assignments or projects, provided you remain employed and physically able to work.

• If you are not currently employed, meaning you do not have an employer, you are not eligible to enroll.

One of the things that makes the IUEC VIP Plan unique is that is guaranteed approved so that Members do not have to answer medical questions or submit to medical tests to get enrolled. The plan is able to do that because the insurance carrier (New York Life) underwrites the total Membership, not the individual Member. To protect the plan and ensure its longevity, there are a few parameters that Members must meet to get this guaranteed approved coverage, with the largest one being that you are actively working when you enroll.

Since the IUEC VIP Plan has rolling open enrollment, you can enroll and get protected as soon as you return to work, ensuring you don’t miss the opportunity for coverage.

1. Membership requirement:

• You must remain an actively working, full-dues paying Member of the International Union of Elevator Constructors living in the U.S., Puerto Rico or Guam.

2. Maintaining employment and working status requirement:

• You must remain employed under a U.S., Puerto Rico, or Guam-Based collectively bargained signatory contract and meet the requirements below:
  • Work hours requirement: You must work at least 750 hours per year.
  • Continuity requirement: You must not have a break in active work longer than 6 consecutive months.

No, if your date of disability is prior to the coverage effective date, it will not be eligible for benefits, and you will not be covered under the policy until you return to active working status.

Yes, but only after you have been enrolled in those benefits for 12 months. In that first 12 months, any disabilities that are caused by a pre-existing condition are not covered. After being enrolled in your benefits for 12 months, your pre-existing conditions are now covered.

All increases in coverage are subject to a separate pre-existing condition timeframe of 12 months.

Disabilities not caused by a pre-existing condition are covered Day 1!

Both Short-Term Disability and Long-Term Disability define something as a pre-existing condition if both of the following are true:

• You received medical treatment, consultation, care or service, including diagnostic measures, or took prescription drugs or medications, or followed treatment recommendations for the condition, or are aware of but haven’t sought treatment in the 3 months prior to your effective date of coverage (or effective date of an increase in coverage).
• Your disability begins within 12 months of the date your coverage (or increase in coverage) under the plan becomes effective.

Yes, for Life and AD&D Insurance (Member, Spouse, and Dependent), pre-existing conditions are covered from Day 1!

Union One provides full Claims Advocacy Services to help walk you through each step of the process. When you need to file a claim, you simply contact Union One and a dedicated Claims Advocate will be assigned to you for the entirety of your claim. This will be your main point of contact, and your Advocate will help complete and gather all the information needed to submit your claim to New York Life. Once all information is gathered and submitted to New York Life, claims are approved within 5 business days on average.

Since the IUEC VIP Plan rolled out over $500,000 in tax-free benefits have been paid to Members.