UPDATE: As of December, 21, 2016, the enrollment website is no longer active. If you would like to add beneficiaries to your coverage, please contact Erik Rodriguez at EJR7@ibew1245.com or 707 452 2711.
All active IBEW Local 1245 members are now eligible to enroll in the union’s new Accidental Death & Dismemberment (AD&D) benefits and enhanced Term Life Insurance program at no additional cost.
Starting in January, 2017, the new $25,000 AD&D policy will offer 24-hour coverage for all active members. The death benefit will increase from $1,000 to $2,500, and the $500 benefit for spouses will remain the same.
There will be no increase in union dues for these added benefits.
To ensure that your benefits are disbursed appropriately, please be sure to call the benefits administrator. Be sure to have your IBEW 1245 member identification number (printed on your union membership card and dues receipt).
In the second half of 2015, a number of units made motions to propose an increased death benefit. The IBEW Local Union 1245 Executive Board requested that Business Manager Tom Dalzell investigate options, and Dalzell worked with Local 1245 do so.
After reviewing several insurance options, the union ultimately settled on the purchase of a fully insured product. Keeping in mind the unit proposals were likely prompted by the accidental death of a member that occurred in 2015, the union negotiated a new $25,000 AD&D policy, which will offer 24-hour coverage for all active members. Local 1245 also negotiated a significantly improved death benefit plan, which will increase the benefit from $1,000 to $2,500, and still keep a $500 benefit for spouses, for about the same cost as the old death benefit policy.
Additionally, IBEW 1245 is also able to offer members three other optional insurance policies which will add value for many members.
- Short Term Disability:This benefit provides immediate paycheck protection for members by paying 25% of gross income if a member were to become injured or sick off the job. Benefits are paid on the 8th day of disability and pay up to 12 months. This plan pays in addition to any other sources of income such as employer-provided sick pay, state disability and/or long term disability.
- 24 Hour Accident Plan:This benefit provides payments directly to members for accidents on or off the job and pays in addition to member’s major medical plan. Very generous benefits are paid for fractures, dislocations, hospital stays, medical imaging, lacerations, and emergency room visits, and includes additional AD&D benefits. Family coverage options are available.
- Critical Illness Plan:This benefit provides lump sum payments directly to members for such illnesses as cancer, heart attack, stroke and renal failure. Members can purchase policies up to $20,000 for themselves, and up to $10,000 for their spouses. This benefit pays in addition to member’s major medical plan.
All three are “guaranteed issue” which means they require no medical questions if you enroll before May of 2017.
In July, the IBEW Local Union 1245 Executive Board unanimously approved these options to be voted on by members at unit meetings in August and September. The amendments were overwhelmingly approved by every unit, and the vast majority of units voted unanimously in favor of these changes. After adding up the votes from all of the unit meetings, the bylaws amendment ultimately passed by a vote of 1,096 YES to 10 NO.