Protect Your Income,
Protect Your Peace of Mind
In life, the unexpected happens. When it does, Teamsters VIP+ Short-Term Disability (STD) Insurance stands as an important safeguard for your income, ensuring financial stability during times when you’re unable to work due to illness, injury, surgery, or loss of license due to medical reasons. Here’s why STD coverage should be utilized as part of your financial plan:
Immediate Relief
Teamsters VIP+ STD Insurance provides you with a portion of your income tax-free shortly after an unexpected medical condition prevents you from working, offering financial stability when you need it most.
Recovery Without Stress
Knowing your financial obligations are covered, you can focus on what’s truly important—your recovery—without additional financial stress.
Seamless Transition to Long-Term Disability
If your condition extends beyond the short term, Teamsters VIP+ STD coverage dovetails seamlessly with Long-Term Disability (if elected) ensuring no interruption in your benefits.
Flexibility
If your condition extends beyond the short term, Teamsters VIP+ STD coverage transitions seamlessly with Long-Term Disability (if elected) ensuring no interruption in your benefits.
Employer Coverage Gaps
The Teamsters VIP+ STD can fill income gaps when you’re not working. Short-Term Disability coverage supplements and pays in addition to the weekly income benefits Members may receive through an employer STD plan as well as other benefits, as long as combined benefits do not exceed 100% of pre-disability earnings.
Unexpected illness or injury can disrupt your life and finances. Protect your income with Short-Term Disability Insurance today.
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. 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. You have 30 days to notify us of your retirement if you wish to port or convert your Life Insurance. 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.
