Teamsters Voluntary Income Protection Plus (VIP+) Plan
2024 Enrollment Guide
Eligibility
Open enrollment is ongoing throughout 2024, and the sooner you enroll the sooner your coverage will begin. There are six enrollment windows and coverage effective dates this year as shown below. Each enrollment window lasts for approximately 60 days. If you miss out on an enrollment window, you can enroll during the next window.
Enrollment Coverage Effective Dates
There are six (6) enrollment coverage effective dates throughout 2024. To ensure your coverage starts on the specific date below, you must enroll by 11:59PM HST on the 25th of the month prior to that effective date (23rd of the month for May 2024 due to the Memorial Day holiday).
The specific effective dates are:
February 1st
Enroll by
January 25th
April 1st
Enroll by
March 25th
June 1st
Enroll by
May 23rd
August 1st
Enroll by
July 25th
October 1st
Enroll by
September 25th
December 1st
Enroll by
November 25th
How Enrollment Works
Enrollment Deadline
There are six (6) enrollment coverage effective dates throughout 2024. To ensure your coverage starts on the specific date below, you must enroll by 11:59PM HST on the 25th of the month prior to that effective date (23rd of the month for May 2024 due to the Memorial Day holiday).
Late Enrollment
If you enroll after the 25th (for example, on the 26th) or the 23rd of the month for May 2024 (for example, on May 24th, 2024), your coverage will become effective on the first day of the month following the next enrollment window.
Example: If you enroll on March 26th, your coverage will start on June 1st, not April 1st.
Coverage Effective Date
It’s important to note that your coverage begins on the effective date, not the date you submit your enrollment.
Act Now for Faster Coverage
The sooner you enroll, the sooner your income protection begins. Don’t delay – secure your coverage early!
Teamsters VIP+
2024 Enroll Within Schedule
IMPORTANT INFORMATION ABOUT THIS PLAN
IMPORTANT: The monthly cost for coverage is based on your age at the start of the coverage and will rise on the policy anniversary date after you move into a new age bracket. This benefits guide is tailored for Members aged 18-79. If you depart from the IBT, opt out of paying dues, or retire, you must notify the Teamsters VIP+ administrative office at (224) 770-5304. Not doing so within 90 days could delay or negate your eligibility for a refund.
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 $1 technology fee is included in all listed monthly costs for the following coverages: Short-Term Disability, Long-Term Disability, Member Life, and Spouse Life.
We encourage Members to thoroughly review the complete policy booklet, email info@teamstersVIP.com to request a copy, if you did not receive one upon enrollment.
This program is administered by Union One Benefits Administration.
For AD&D, STD & LTD: THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
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.
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.
Group Insurance coverages are 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. 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.
