Medical Expense Protection (MEP)
When you join the ASTTU, you enjoy access to a wide range of benefits, including voluntary income protection benefits designed to support and safeguard your financial well-being.
Guaranteed approved for all eligible, actively working, full dues-paying Members with no medical tests, no medical questions, and no underwriting.
(You have a 30-day enrollment window to enroll in coverages after joining the ASTTU.)
Critical Illness Coverage
Guaranteed approved for all eligible, actively working, full dues-paying Members with no medical tests, no medical questions, and no underwriting.
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
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.
Accident Coverage
Guaranteed approved for all eligible, actively working, full dues-paying Members with no medical tests, no medical questions, and no underwriting.
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
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
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.
MEDICAL EXPENSE PROTECTION
This ASTTU program is administered by Union One and issued by New York Life.
Participation in this program is voluntary, and the decision to enroll rests solely with the Member. Members are responsible for paying all coverage costs, including any applicable fees disclosed as part of the enrollment process. Enrollment in voluntary income protection coverage includes ASTTU Membership. ASTTU Membership is required to qualify for these benefits, and applicable ASTTU membership dues are included in the total monthly cost paid by the Member.
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. Email enroll@asttu.org to request a copy.
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.
These voluntary income protection benefits are available only to active, dues-paying Members of ASTTU-affiliated unions. If you depart from your union, opt out of paying dues, or retire, you must notify the ASTTU at (314) 282-8289. Not doing so within 90 days could delay or negate your eligibility for a refund.
This voluntary benefit program is intended to qualify for the voluntary plan Safe Harbor and, as such, is intended not to be subject to the Employee Retirement Income Security Act of 1974 (ERISA). ASTTU and participating unions do not contribute to the premiums for this program on behalf of Members, do not endorse the program, and do not require Members to enroll. ASTTU and participating unions also receive no financial or other consideration in connection with the administration or promotion of this program.
For Critical Illness & Accident: These policies provide critical illness and accident 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 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.
