Long-Term Protection for Your Long-Term Well-Being
Your ability to earn an income is one of your most valuable assets. Teamsters VIP+ Long-Term Disability (LTD) Insurance protects this asset by providing you with a steady income if an illness or injury prevents you from working for an extended period. Here’s why securing LTD Insurance is a wise decision:
Lasting Security
VIP+ LTD Insurance offers financial support for up to 5 years, protecting your lifestyle and your family’s financial future.
Comprehensive Coverage
While STD covers the immediate aftermath of a disability, LTD ensures you are protected for the long haul, covering a wide range of disabling conditions and situations.
Peace of Mind
Knowing you have a financial safety net allows you to focus on your health and rehabilitation without the burden of financial worries.
Fill the Gaps
The VIP+ LTD is uniquely constructed to pay in addition to any Employer provided LTD benefits and Social Security Disability benefits to ensure your income is adequately protected.
Customizable Plans
The VIP+ LTD benefit levels and duration can be customized to fit your specific needs.
Protect your future and ensure your financial stability no matter what life throws your way. Explore your options with Long-Term Disability insurance now.
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.
