Teamsters VIP+ Plan
Voluntary Income Protection Plus Plan
Teamster Members help build America. They keep industries running, supply chains flowing, and communities supported. Because of that commitment, Members have access to exclusive voluntary benefits designed specifically for them.
Most Teamster Members rely on their paycheck to support their families and cover everyday expenses. If an illness, injury, surgery, or medical loss of DOT or FAA certification prevented you from working, your paycheck could stop, but your bills would not.
The Teamsters VIP+ Plan was designed for situations like this, helping protect the income you depend on.
PROTECTION BUILT FOR TEAMSTERS
During open enrollment, all actively working, U.S.-Based, full-dues paying Teamster Members are guaranteed accepted, with no medical exams or health questions required.
Both full-time and part-time Members are eligible to enroll. Coverage is voluntary, and Members must enroll to receive protection.
Enrollment Ends
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Enroll by 11:59PM HST on March 31st, 2026 for a coverage effective date of April 1st!
Hear From The Executive Plan Administrator On Why These Benefits Matter
PRUDENTIAL & UNION ONE PROTECTING TEAMSTERS
A message from Teamsters General President Sean M. O’Brien
INCOME PROTECTION IN ACTION:
TEAMSTERS VIP+ PLAN EXAMPLE OF COST
A 29 year-old Teamster with $2,300 in rent, $300 car payment, and $120 in insurance enrolled in STD and LTD for about $60 per month. If an approved disability claim occurred, the benefits would cover those essential monthly expenses with money remaining for groceries, gas, and other everyday necessities.
Now think about what you currently spend $60 per month on. Few things are more important than protecting yourself and the income you work hard to earn.
Use the cost calculator below to see how the VIP+ Plan could work for you.
SHORT-TERM DISABILITY
Full-Time Member coverage available up to $2,000 per week in $50 increments. Part-Time Member coverage available up to $250 per week in $50 increments.
LONG-TERM DISABILITY
Member coverage available up to $7,500 per month in $50 increments. Stackable with other eligible benefits, up to 70% of pre-disability earnings.
INCOME LIFE WITH AD&D
Member coverage available up to $500,000 in $10,000 increments. Spouse and Dependent life coverage available when Member life is elected.
Coverage for Pilots and CDL Holders
PILOTS
The Teamsters VIP+ Air Plan covers Pilots who lose their Federal Aviation Administration (FAA) Medical Certification. If you are grounded for medical reasons, the VIP+ Air Plan provides financial assistance while you recover and work to get recertified with the FAA.
CDL LICENSE
The NEW Teamsters VIP+ Plan covers CDL holders facing medical disqualification. If your CDL is denied for medical reasons, the plan provides income support while you seek medical assistance to regain qualification.
Important Notice: BLET and BMWED Members are not yet eligible for the Teamsters VIP+ Plan.
WHY TEAMSTERS CHOOSE THE VIP+ PLAN
More than 1 in 4 workers will experience a disability before retirement, and for physically demanding trades the risk can be even higher.
Your ability to earn a paycheck is one of your most valuable assets. If a health issue prevents you from working, the financial impact can be significant.
Take a moment to explore each coverage option below and see how it can protect you and your family’s financial future.
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.
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). Teamsters 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.
IMPORTANT: If you depart from the Teamsters, opt out of paying dues, or retire, you must notify the Teamsters VIP+ Customer Service Center at (224) 770-5304. 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 site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.
These policies provide Disability income and Accident insurance only. They do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
This coverage is not health insurance coverage (often referred to as "Major Medical Coverage").
North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.
THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
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 coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. In Washington, the controlling document is the Certificate, not the Contract. Contract Series: 83500.
Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
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