Benefits & Costs
IBEW Local 13
Summary of Benefits & Costs
Take advantage of this enrollment opportunity to supplement the standard benefits provided by your union. Coverages are guaranteed approved for all actively working/dues paying Members of the IBEW.
For quick and easy enrollment, call (224) 770−5305 (Mon-Fri 8am-5pm CT)
Short-Term Disability (STD)
STD OPTION A – FLAT RATE 30 DAY
- Coverage is available from $200-$500 in $50 increments.
– Pays on day 30 for up to 48 weeks. - Pre-existing conditions are covered after 12 months.
Covers off the job disabilities resulting from injury or illness. - Stackable with other benefits up to 100% of pre-disability earnings.
- Benefits paid are tax-free.
COVERAGES | MONTHLY PREMIUMS | |||||||||||||||||
WEEKLY BENEFIT* | AGE <30 |
AGE 30-39 | AGE 40-49 | AGE 50-59 | AGE 60-69 | |||||||||||||
$200 | $18.00 | $28.00 | $40.40 | $60.20 | $69.40 | |||||||||||||
$300 | $25.50 | $40.50 | $59.10 | $88.80 | $102.60 | |||||||||||||
$400 | $33.00 | $53.00 | $77.80 | $117.40 | $135.80 | |||||||||||||
$500 | $40.50 | $65.50 | $96.50 | $146.00 | $169.00 | |||||||||||||
*For additional weekly benefit options, please call (224) 770-5305.
STD OPTION B – FLAT RATE 15 DAY
- Coverage is available from $200-$500 in $50 increments.
– Pays on day 15 for up to 50 weeks. - Pre-existing conditions are covered after 12 months.
- Covers off the job disabilities resulting from injury or illness.
- Stackable with other benefits up to 100% of pre-disability earnings.
- Benefits paid are tax-free.
COVERAGES | MONTHLY PREMIUMS | |||||||||||||||||
WEEKLY BENEFIT* | AGE <30 |
AGE 30-39 | AGE 40-49 | AGE 50-59 | AGE 60-69 | |||||||||||||
$200 | $21.00 | $33.00 | $48.00 | $72.00 | $83.00 | |||||||||||||
$300 | $30.00 | $48.00 | $70.50 | $106.50 | $123.00 | |||||||||||||
$400 | $39.00 | $63.00 | $93.00 | $141.00 | $163.00 | |||||||||||||
$500 | $48.00 | $78.00 | $115.50 | $175.50 | $203.00 |
*For additional weekly benefit options, please call (224) 770-5305.
Long-Term Disability (LTD)
LTD OPTION A – FLAT RATE
- Pays a flat $1,000 monthly benefit for up to 2 years.
– Pays after 365 day waiting period. - Pre-existing conditions are covered after 12 months.
- Benefit cannot exceed 60% of pre-disability earnings.
- Covers on and off the job disabilities resulting from injury or illness.
- Benefits paid are tax-free.
COVERAGES | MONTHLY PREMIUMS | ||||||||
MAX MONTHLY BENEFIT | AGE <30 |
AGE 30-39 | AGE 40-49 | AGE 50-59 | AGE 60-69 | ||||
$1,000 | $3.55 | $4.15 | $5.70 | $8.90 | $15.30 |
LTD OPTION B – FLAT RATE
- Pays a flat $2,000 monthly benefit for up to 2 years.
– Pays after 365 day waiting period. - Pre-existing conditions are covered after 12 months.
- Benefit cannot exceed 60% of pre-disability earnings.
- Covers on and off the job disabilities resulting from injury or illness.
- Benefits paid are tax-free.
COVERAGES | MONTHLY PREMIUMS | ||||||||
MAX MONTHLY BENEFIT | AGE <30 |
AGE 30-39 | AGE 40-49 | AGE 50-59 | AGE 60-69 | ||||
$2,000 | $4.10 | $5.30 | $8.40 | $14.80 | $27.60 | ||||
Life with Accidental Death & Dismemberment (AD&D)
- Member coverage is available for $10,000 or $20,000.
- No medical questions asked for coverage.
- Coverage includes an equal amount of Accidental Death and Dismemberment.
– If death is caused by an accident, the benefit doubles. - Life coverage is convertible and portable.
- Spouse and Child Life coverage available when Member Life is elected (up to 100% of Member election).
– Spouses can be covered for $5,000 or $10,000
– Children eligible for a flat $10,000 of coverage. One fee covers all dependents. - Coverage is 24/7 on and off the job.
MEMBER | MONTHLY PREMIUMS | |||||||||||||||
COVERAGE | AGE <30 |
AGE 30-39 | AGE 40-49 | AGE 50-59 | AGE 60-69 | |||||||||||
$10,000 | $3.59 | $3.84 | $5.49 | $10.09 | $19.59 | |||||||||||
$20,000 | $5.18 | $5.68 | $8.98 | $18.18 | $37.18 |
SPOUSE* | MONTHLY PREMIUMS | |||||||||||||||
COVERAGE | AGE <30 |
AGE 30-39 | AGE 40-49 | AGE 50-59 | AGE 60-69 | |||||||||||
$5,000 | $2.80 | $2.92 | $3.75 | $6.05 | $10.80 | |||||||||||
$10,000 | $3.59 | $3.84 | $5.49 | $10.09 | $19.59 |
*Spouse premiums are based on Member’s age.
CHILD(REN) | MONTHLY PREMIUMS | |||||||||||||||
COVERAGE | UNDER 26 YEARS OLD | |||||||||||||||
$10,000 | $2.53 |
Premium is determined by your age on the coverage effective date, and will increase on the next policy anniversary date after you enter the next age band. Benefit effective dates are subject to change. The union does not make any endorsement or recommendations regarding these benefits.
For more detailed information, and to get premiums for annual earnings amounts and rates not listed here, please contact the Enrollment Center at (224) 770-5305. Email at info@unioninsurance.com.
Time Left to Enroll
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Enrollment Ends 9/16/2022
Coverage Begins 10/1/2022
This program is voluntary and it is solely the Members’ decision to enroll. Members are responsible for paying their own premiums. This is a basic summary of benefits and makes no guarantee or warranty on the processing of claims. Other limitations may apply. It is recommended that each enrolled Member obtain a copy and read the entire policy booklet. All non-banking administrative and transaction fees are included in the enclosed premiums. Coverages are underwritten by Sun Life.
IMPORTANT: If you leave the union or retire it is your responsibility to contact our office immediately at (847) 387-3555. Failure to do so within 30 days will forfeit your ability to keep coverage and receive any premium refunds.

(224) 770−5305