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.

*Coverage can be selected in $50 increments ($100 minimum/$750 maximum).

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.

*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.

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 coverage available up to $300,000 in $10,000 increments (not to exceed 3X annual earnings).

*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.

*One cost covers all dependents.

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 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 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.

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.

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 Membership 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.