Protect More Than Your Health—Protect Your Future
Accident and Critical Illness Insurance offers a financial safety net when life takes an unexpected turn. While traditional Health Insurance helps cover medical bills, it often doesn’t account for the extra costs that come with recovery—like lost income, childcare, travel, or everyday expenses.
The Hidden Cost of Accidents and Critical Illness
You probably know someone who’s faced a critical illness or dealt with the pain and frustration when injured from an accident. But what’s less apparent is the financial toll it can take. Even with a strong medical plan, expenses like lost income and out-of-pocket costs can quickly add up. And during recovery, the last thing anyone should worry about is how to manage those extra bills.
How Accident and Critical Illness Insurance Helps
That’s where Accident Insurance and Critical Illness plans make a real difference. These plans provide financial support for covered conditions such as cancer, heart attacks, strokes, and accidental injuries. They pay cash benefits directly to you, giving you the flexibility to cover medical expenses, household bills, or any other needs during your recovery.
Union One Has You Covered
At Union One, we understand that life’s unexpected turns—from a slip on the stairs to a child’s sports injury or a sudden diagnosis—can have both physical and financial impacts. That’s why we offer affordable Group Accident and Critical Illness Insurance through New York Life.
With fast claims processing and direct cash benefits, our plans help ease the burden—so you can focus on healing, not your bills.
Important information about this plan
IMPORTANT: The monthly cost for coverage is based on your age at the start of the coverage and will increase on the policy anniversary date after you move into a new age bracket.
Participation in this program is voluntary, and the decision to enroll rests solely with the Members. Members are responsible for bearing all associated costs. A $2 technology fee is included in all listed monthly costs for the following coverages: Short-Term Disability and Long-Term Disability. A $1 technology fee is included in all listed monthly costs for the following coverages: Member Life and Spouse Life.
IMPORTANT: If you depart from the IUEC, opt out of paying dues, or retire, you must notify the IUEC VIP Customer Service Center at (224) 487-5030. Not doing so within 90 days could delay or negate your eligibility for a refund.
We encourage Members to thoroughly review the complete policy booklet. Email info@unionone.com to request a copy.
This program is administered by Union One Benefits Administration.
This voluntary benefit plan is classified as a Safe Harbor plan and, as such, is not subject to the Employee Retirement Income Security Act of 1974 (ERISA). The IUEC does not contribute to the premiums for this plan on behalf of its Members, does not endorse the plan, and does not require Members to enroll in the plan. Furthermore, the Union receives no financial or other consideration in connection with the administration or promotion of this program.
For STD & LTD: These policies provide disability income insurance only and do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
For Life: You have 31 days to notify Union One of your retirement if you wish to port or convert your Life Insurance.
Group Insurance coverages are issued by New York Life Insurance Company, New York, NY. All Rights Reserved. NEW YORK LIFE, and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company.
