IBEW LOCAL 196
Huntley, IL
IBEW Local 196 Voluntary Income Protection
Continue getting paid if you can’t work due to injuries, illnesses, surgeries, or death.
Plan Information Overview
– Short-Term Disability (STD) pays $250, $500, or 50% of weekly income for up to 24 weeks
– Long-Term Disability (LTD) pays $2,500 for up to 5 years, or 60% of monthly income for up to 10 years
– Life Insurance with AD&D for Member, Spouse, and/or Dependent(s)
Guaranteed Approved Coverage: No medical questions or tests for actively working Members.
Time Left to Enroll
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Enrollment Ends 7/30/2025
Coverage Begins 8/1/2025
ARE YOUR CURRENT BENEFITS ENOUGH?
Short-Term Disability (STD)
IBEW Local 196 Members who are covered by the Local 196 LINECO benefit (applies to outside construction Members) have a $600/week Short-Term Disability benefit that pays for 26 weeks. If your paycheck is normally $1,500/week and you get sick or injured, you would receive $600 in weekly benefits. That leaves an income gap of $900/week or 60% of your weekly income.
Long-Term Disability (LTD)
The Local 196 LINECO benefit does not offer Long-Term Disability. That leaves an income gap of 100% of your weekly income.
Life Insurance
There is only a $20,000 Life Insurance benefit for Members.
Important Information
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.
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 $3 technology fee is included in all listed monthly costs for the following coverages: Short-Term Disability and Long-Term Disability. A $2 technology fee is included in all listed monthly costs for the following coverages: Member Life and Spouse Life.
IMPORTANT: If you depart from IBEW 196, opt out of paying dues, or retire, you must notify the Customer Service Center at (224) 770-5305. Not doing so within 90 days could delay or negate your eligibility for a refund.
We encourage Members to thoroughly review the complete policy booklet. Email info@unionone.com to request a copy.
This program is administered by Union One Benefits Administration.
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 IBEW 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 Union 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.
For Life: You have 31 days to notify Union One of your retirement if you wish to port or convert your Life Insurance.
Group Insurance coverages are issued by Sun Life Financial. Sun Life financial and the globe symbol are registered trade-marks. All rights reserved.
