AD & D Benefits

Active Participant Accidental Death and Dismemberment Benefit (AD&D)

The Fund provides active Participants with an AD&D benefit that covers bodily injury caused by an external, violent accident. You will receive a benefit if the following losses occur within 90 days after the accident:

  • Your death
  • The total loss of your sight in one or both eyes
  • The loss of one or both hand(s) or loss of one foot or both feet

The Fund will provide the following benefits:

  • For your death: Your beneficiary will receive an accidental death payment equal to 100% of your death benefit as shown in your plan’s Benefits Chart.
  • For the loss of the entire sight of one eye, or one hand, or one foot: You will receive a payment equal to 50% of your death benefit.
  • For the loss of the entire sight of both eyes, both hands, both feet or any combination of these losses: You will receive a payment equal to 100% of your death benefit.

If you suffer more than one of the losses listed above from the accident, the Fund will pay only for the loss for which the largest amount is payable.

The total accidental death and dismemberment benefit, payable from all causes, may not exceed the maximum amount to which you are entitled based on your completed years of service.

Refer to your plan’s Benefits Chart to see the amounts of the payments for which you are eligible. 

For a benefit claim to be payable for your death, you must:

  • Be enrolled in one of the Fund’s medical plans, and
  • Be eligible for coverage based on hours worked, and
  • Have made your timely contributions toward the cost of your coverage at the time of  accidental injury.  

Naming a Beneficiary

You may name anyone as beneficiary and may change your beneficiary at any time. Your initial beneficiary designation and any beneficiary changes you make afterwards take effect on the date the Fund Office receives your beneficiary form. You may download a beneficiary form here or get one from your Union Local or the Fund Office.

If no beneficiary is named or surviving upon your death, the benefit will be paid to the first beneficiary listed below who is living at the time of your death:

  1. Your spouse
  2. Your child(ren)
  3. Your parent(s)
  4. Your sibling(s)