IUOE Local 926
IUOE Local 926
Voluntary Income Protection (VIP)
Enrollment is simple and only takes a few minutes.
Information you will need
– Employment & Income Information
– Spouse & Dependent Dates of Birth & Contact Information
– Bank Account & Routing Numbers
Need help enrolling? Call a Benefits Advisor at (314) 282-8289.
Plan Details
Guaranteed approved for all eligible, actively working, full dues-paying Members with no medical tests, no medical questions, and no underwriting.
IUOE Local 926 Short-Term Disability (STD)
Covers off-the-job disabilities due to injury, surgery, illness, or pregnancy.
Pays a weekly benefit for up to 24 weeks after a 14-day waiting period.
Stackable with other eligible benefits up to 100% of pre-disability earnings. (Employer benefits, State benefits, etc.)
Benefit is paid tax-free.
Loss of professional license due to medical conditions is covered.
Mental illness and substance abuse are covered conditions.
Benefit election cannot exceed 60% of annual earnings.
Pre-existing conditions are covered after 12 months of continuous coverage.
| COVERAGES | MONTHLY COSTS | ||||||||||||||||||
| WEEKLY BENEFIT | AGE <29 | AGE 30-39 | AGE 40-49 | AGE 50-59 | AGE 60+ | ||||||||||||||
| $150 | $9.57 | $10.44 | $14.78 | $24.75 | $32.85 | ||||||||||||||
| $250 | $13.95 | $15.40 | $22.63 | $39.25 | $52.75 | ||||||||||||||
| $350 | $18.33 | $20.36 | $30.48 | $53.75 | $72.65 | ||||||||||||||
| $450 | $22.71 | $25.32 | $38.33 | $68.25 | $92.55 | ||||||||||||||
| $550 | $27.09 | $30.28 | $46.18 | $82.75 | $112.45 | ||||||||||||||
| $650 | $31.47 | $35.24 | $54.03 | $97.25 | $132.35 | ||||||||||||||
| $750 | $35.85 | $40.20 | $61.88 | $111.75 | $152.25 | ||||||||||||||
*Coverage can be selected in $50 increments ($100 minimum/$750 maximum).
IUOE Local 926 Long-Term Disability (LTD)
Provides 24-hour coverage for on and off-the-job disabilities due to injury, surgery, illness, or pregnancy.
Pays a monthly benefit for up to 2 years after a 180-day waiting period (starts when STD ends).
Stackable with other eligible benefits, up to 70% of pre-disability earnings².
Benefit is paid tax-free.
Loss of professional license due to medical conditions is covered.
Mental illness and substance abuse are covered conditions.
Benefit election cannot exceed 60% of annual earnings¹.
Pre-existing conditions are covered after 12 months of continuous coverage.
| COVERAGES | MONTHLY COSTS | |||||||||||||||||
| MONTHLY BENEFIT | AGE <29 | AGE 30-39 | AGE 40-49 | AGE 50-59 | AGE 60+ | |||||||||||||
| $1,000 | $4.98 | $7.10 | $11.79 | $19.90 | $32.65 | |||||||||||||
| $1,500 | $5.97 | $9.15 | $16.19 | $28.35 | $47.48 | |||||||||||||
| $2,000 | $6.96 | $11.20 | $20.58 | $36.80 | $62.30 | |||||||||||||
| $2,500 | $7.95 | $13.25 | $24.98 | $45.25 | $77.13 | |||||||||||||
| $3,000 | $8.94 | $15.30 | $29.37 | $53.70 | $91.95 | |||||||||||||
| $3,500 | $9.93 | $17.35 | $33.77 | $62.15 | $106.78 | |||||||||||||
| $4,000 | $10.92 | $19.40 | $38.16 | $70.60 | $121.60 | |||||||||||||
*Coverage can be selected in $100 increments ($200 minimum/$4,000 maximum).
¹ Annual earnings includes your total compensation for the year including overtime.
² LTD benefits can be combined with other benefits you are eligible for, such as Social Security Disability Insurance (SSDI), or other disability income, but when your LTD benefits are combined with other eligible benefits, the total amount cannot exceed 70% of your pre-disability earnings.
IUOE Local 926 Life and Accidental Death & Dismemberment (AD&D)
Provides 24-hour coverage on and off-the-job.
Pre-existing conditions covered Day 1.
Coverage includes an equal amount of Accidental Death & Dismemberment (AD&D). If death is caused by an accident, the benefit doubles.
Spouse and Dependent Life coverage available when Member Life is elected.
Not meant to replace any existing Life Insurance coverage.
| MEMBER | MONTHLY COSTS | |||||||||||||||||
| COVERAGE | AGE <29 | AGE 30-39 | AGE 40-49 | AGE 50-59 | AGE 60-69 | |||||||||||||
| $50,000 | $7.85 | $9.05 | $14.95 | $34.80 | $75.80 | |||||||||||||
| $100,000 | $13.70 | $16.10 | $27.90 | $67.60 | $149.60 | |||||||||||||
| $200,000 | $25.40 | $30.20 | $53.80 | $133.20 | $297.20 | |||||||||||||
| $300,000 | $37.10 | $44.30 | $79.70 | $198.80 | $444.80 | |||||||||||||
*Member coverage available up to $300,000 in $10,000 increments (not to exceed 3X annual earnings).
| SPOUSE | MONTHLY COSTS | |||||||||||||||||
| COVERAGE | AGE <29 | AGE 30-39 | AGE 40-49 | AGE 50-59 | AGE 60-69 | |||||||||||||
| $5,000 | $2.59 | $2.71 | $3.30 | $5.28 | $9.38 | |||||||||||||
| $10,000 | $3.17 | $3.41 | $4.59 | $8.56 | $16.76 | |||||||||||||
| $25,000 | $4.93 | $5.53 | $8.48 | $18.40 | $38.90 | |||||||||||||
| $50,000 | $7.85 | $9.05 | $14.95 | $34.80 | $75.80 | |||||||||||||
*Spouse coverage available up to $50,000 in $5,000 increments (not to exceed 100% of Member Life). Spouse costs are based on the Member’s age.
| DEPENDENT(S) | MONTHLY COSTS | |||||||||||||||||
| COVERAGE | UNDER 26 YEARS OLD | |||||||||||||||||
| $10,000 | $3.19 | |||||||||||||||||
*One cost covers all dependents.
IUOE Local 926 Critical Illness Coverage
Pays Member a lump sum benefit if diagnosed with a covered critical illness.
Pre-existing conditions are covered on Day 1 if it is a new occurrence of the illness.
Member, spouse, and dependent(s) can all be covered.
$50 Health Screening Benefit included for each covered person.
| MEMBER / SPOUSE | MONTHLY COSTS | |||||||||||||||||
| COVERAGE | AGE <29 | AGE 30-39 | AGE 40-49 | AGE 50-59 | AGE 60-69 | AGE 70+ | ||||||||||||
| $5,000 | $4.30 | $4.95 | $7.00 | $11.75 | $20.90 | $32.90 | ||||||||||||
| $10,000 | $5.60 | $6.90 | $11.00 | $20.50 | $38.80 | $62.80 | ||||||||||||
| $15,000 | $6.90 | $8.85 | $15.00 | $29.25 | $56.70 | $92.70 | ||||||||||||
| $20,000 | $8.20 | $10.80 | $19.00 | $38.00 | $74.60 | $122.60 | ||||||||||||
*Member / Spouse coverage available up to $20,000 in $5,000 increments. Spouse coverage is not to exceed 100% of Member coverage. Spouse costs are based on the Member’s age.
| DEPENDENT(S) | MONTHLY COSTS | |||||||||||||||||
| COVERAGE | UNDER 26 YEARS OLD | |||||||||||||||||
| $2,500 | $4.37 | |||||||||||||||||
| $5,000 | $5.75 | |||||||||||||||||
| $7,500 | $7.12 | |||||||||||||||||
| $10,000 | $8.49 | |||||||||||||||||
*Dependent coverage available up to $10,000 in $2,500 increments. Coverage cannot exceed 50% of Member coverage.
Examples of critical illnesses include:
- Heart Attack
- Stroke
- Coronary Artery Disease
- Invasive Cancer
- Non-Invasive Cancer
- Skin Cancer
- Major Organ Failure
- Severe Burns
- End-stage Kidney Failure
- Type 1 Diabetes
- Multiple Sclerosis
- Paralysis
- Coma
- ALS
Benefit provisions may vary by state.
IUOE Local 926 Accident Coverage
Pays a lump sum benefit for covered injuries and medical services due to an accident.
No pre-existing conditions limitations.
$50 Health Screening Benefit included for each covered person.
24-hour coverage, on- and off-the-job.
Member, spouse, and dependent(s) can all be covered.
No limit on the number of claims that can be filed.
| COVERAGE | MONTHLY COST | |||||||||||||||||
| Member | $14.16 | |||||||||||||||||
| Member Plus Spouse | $16.95 | |||||||||||||||||
| Member Plus Dependent | $19.28 | |||||||||||||||||
| Member Plus Family | $24.39 | |||||||||||||||||
Examples of procedures and conditions that may be covered after an accident include:
- Blood
- Burns
- Coma
- Dislocations
- Eye Injury
- Fractures
- Lacerations
- Plasma, Platelets
- Ruptured Disc Surgery
Also may cover services such as:
- Ambulance
- ER Visits
- Hospital Admission
- Hospital Confinement
- Major Diagnostic Testing
- Medical Devices
- Physical Therapy
- Surgery
- X-rays
How does accident insurance work?
Amount payable was generated based on benefit amounts for: Closed-Fracture of the Hip ($5,000), Ambulance to Hospital ($400), Emergency Room Care ($200), X-Ray ($50), Medical Devices (crutches) ($100), and Physical Therapy ($200).
The above graphic is for illustration purposes only.
Benefit provisions may vary by state.
ASTTU Core Benefits for IUOE Local 926
ASTTU Membership is $3 per month and includes access to voluntary insurance benefits, along with exclusive member privileges, including:
- MAS Benefits Discount Program – A comprehensive savings platform where members can save thousands each year on everyday purchases like food, shopping, and entertainment. Access exclusive deals, earn cash back at top brands, and save even more with discounted gift cards.
- OptumRx® – Discounts of 10% to 85% on prescriptions at more than 65,000 pharmacies or through mail order.
- Avis and Budget Car Rentals – Up to 35% off car rentals, plus free upgrades and special offers.
- Collette Travel – Reduced rates on guided tours to more than 190 destinations.
- CruisesOnly – Access to low cruise fares with a 110% Best Price Guarantee.
- Wyndham Hotels – 25% off the “Best Available Rate” at thousands of locations worldwide.
- Roadside Protect Motor Club – 24/7 roadside assistance including towing, lockouts, and jump-starts.
- Safelite® Auto Glass Services – $10 off rock chip repairs and $20 off windshield replacements.
- Scholarships – Annual opportunities available for members and their immediate families.
- Figo Pet Insurance – 10% discount on plans covering unexpected veterinary expenses.
- Free Tax USA – File federal taxes at no cost; state returns available for a low fee.
- SafetyNet Child ID – Complimentary ID cards for your first two children, useful in emergencies.
- LifeLock by Norton – Discounted identity protection with alerts and recovery services.
To learn more about the ASTTU, click here.
Important Information
This ASTTU program is administered by Union One and issued by New York Life.
Participation in this program is voluntary and at the Member’s discretion, with all associated costs being the responsibility of the Member. Monthly coverage costs are based on your age at the start of coverage and will adjust on the policy anniversary date when you move into a new age bracket.
This is a basic summary of benefits and makes no guarantee or warranty of the processing of claims. Other limitations may apply. Members should thoroughly review the complete policy booklet, which can be requested by emailing enroll@asttu.org.
Members enrolled in any income protection or medical expense protection benefit must maintain their ASTTU Membership and pay dues to retain coverage.
If you leave your union or retire, you must notify ASTTU at (314) 282-8289 within 90 days to avoid delays or loss of eligibility for a refund.
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). The ASTTU 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. Furthermore, the ASTTU receives no financial or other consideration in connection with the administration or promotion of this program.
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. A $3 technology fee is included in the monthly costs for Short-Term and Long-Term Disability. For Life: A $2 technology fee is included in the monthly costs for Member Life and Spouse Life. For Critical Illness & Accident: These policies do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services. A $3 technology fee is included in the monthly costs for Critical Illness and Accident Coverage.
Group Insurance coverages are issued by New York Life Insurance Company, New York, NY. All Rights Reserved. NEW YORK LIFE, and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company.
© Association of Skilled Trade and Transportation Unions (ASTTU) | 12444 Powerscourt Dr., Suite 500A, St. Louis, MO 63131 | (314) 282-8289