IBEW Local 204

Open Enrollment is now through May 31st, 2020.

Coverage begins on June 1st, 2020.

Summary of Benefits & Rates

or call 224-770-5305

COVID-19 (Coronavirus) Disability and Life Information

It is important to understand that these Life and Disability benefits DO cover COVID-19 (Coronavirus) in the event that you contract the virus and cannot work (to include being quarantined after being diagnosed with COVID-19) or pass away as a result of the virus.

The below list provides the main parameters a member’s claim must meet in order to be eligible to file a claim for the Coronavirus. However, there may be other factors that would impact a Coronavirus claim.

  • Only cases of the Coronavirus that are medically diagnosed and documented by a medical professional would constitute as eligible for benefits
  • Members who are quarantined due to testing positive for Coronavirus would be eligible for benefits
  • Members who are quarantined as a preventative measure and do not have an official Coronavirus diagnosis by a medical professional would not be eligible for benefits, including, but not limited to;
    • Jobsite shutdowns for preventative measures
    • Furloughs, layoffs, etc.
    • Care for a loved one who has been diagnosed or exposed
  • The normal waiting period still applies, so the member needs to be held out of work by a medical professional for longer than their waiting period in order to be eligible

Members enrolling for coverage now, but who do not yet have effective coverage, would not have an eligible Coronavirus claim if:

  • The member enrolls now for a future coverage effective date and already has a medically diagnosed case of Coronavirus or has seen their doctor for signs/symptoms of the Coronavirus
  • The member enrolls now for a future coverage effective date, but, for whatever reason, does not work on or after their effective date and therefore does not have coverage until they return to work
  • The member’s coverage is not effective and in force prior to seeing a medical professional or being diagnosed

Please call us at 224-770-5305 for more information.

About Open Enrollment

We are pleased to inform you that your union is currently in an open enrollment.

All of the available coverages are offered separately and a member’s participation in one or all of those coverages, and the level to which he or she elects to participate, is voluntary and strictly the individual’s choice.

The purpose of this Group Insurance Plan is to give you options to supplement your income in the event that you cannot work as a result of an injury, illness or death. This group plan offers Disability Insurance and Life Insurance with Accidental Death & Dismemberment coverage.

All insurance under this Union Group Policy will cover you for as long as you continue to remain actively employed, pay premium, and be in good standing with the union.

Official Notice To Participants - Please Read

The IBEW does not make any endorsement or recommendations regarding these benefits. It is solely the members decision to enroll and learn about the benefits being offered. This program is completely voluntary and benefits can be elected on an a la carte basis.

This page will provide information related to your Union Voluntary Group Insurance Plan. Here you can view and download a copy of the group policy/benefits booklet, learn about policy provisions, view terms and conditions, view rates, view fee schedules and request information. If you have any questions regarding the benefits options that you are currently enrolled in, please call 847-387-3555.

Eligibility Notice

You must be an actively working, full dues paying member of the IBEW union, working a minimum of 1,250 hours per year, in order to be eligible to enroll in and maintain coverage.

If you are suspended, dismissed, retire, or leave the IBEW for any reason, you are no longer eligible for disability coverage and it is your responsibility to contact our office immediately at 847-387-3555 so that we may stop your premium payments. Disabilities that occur after being removed from work are not covered. Your disability coverage will resume on the day your return to work (see below “Actively at Work Notice”) if you return to work and full dues paying active union status within 5 months. If you do not return to work within five months, your coverage will be permanently terminated. You would be eligible to re-enroll during your union’s next open enrollment period after you return to work, subject to the policy terms and pre-existing condition limitations at that time.

Actively At Work Notice

To be covered by the Group Policy you must be actively at work performing the duties of your own occupation when the policy goes into effect or when returning to work from a disability claim. Days spent not working to include, but not limited to; PLD, vacation, and FMLA days do not count as actively working days. If you are not actively at work when the policy goes into effect, your coverage effective date will be deferred until your first full day of active work.

Participant and Claimant Responsibilities

It is your responsibility to notify Cornerstone Benefits Management if your employment, union status, contact information, or salary changes. Failure to properly notify Cornerstone will result in loss of premiums and/or insurance coverage. Notification to Cornerstone must be made by phone at 847-387-3555 and/or by email at info@unioninsurance.com.

Income Verification Notice

In the event a claim is filed, you will be required to verify your income by providing your prior year’s W-2 and/or three full months of paystubs. Benefit payments are subject to change based on the income you can verify at time of claim.

Benefits Offsets, Reductions and Overpayments

Benefits may be reduced where offsets apply. Benefit amounts illustrated on the Summary of Benefits & Rates guide do not reflect any applicable offsets. It is your responsibility as the claimant to notify Cornerstone and the Insurance Company of any other income sources you are receiving; failure to do so may result in an overpayment that you will be required to repay. Please review the Group Policy for further information. If you have any questions regarding offsets, please call Cornerstone at 847-387-3555.

As an individual member of the union, if you have voluntarily elected to participate and pay premium for coverage, it is your responsibility to understand the group policy and its provisions. To view/download the group policy/booklet, please look under the Policy Documents tab.

Pre-Existing Condition Limitations

The Flat Rate Short-Term Disability option has a Pre-Existing Condition limitation of 12 months. In order for a pre-existing condition to be covered, you must be an eligible member of the group and have paid Short-Term Disability premium for 12 consecutive months prior to your date of disability, or you must be treatment free for the 3 months prior to your date of disability (Look Back Period) for the disabling condition.

More Pre-Existing Limitation Information

  • These Pre-Existing Condition limitations also apply to any benefit increase.
  • Pre-Existing Conditions are reviewed by the insurance carrier at time of claim, which will require disclosure of all medical records, doctors’ notes and prescription drug history.
  • Failing to receive treatment does not preclude you from the Pre-Existing Condition Look Back Period.

Please review the Group Policy for further information. If you have any questions regarding Pre-Existing Condition limitations, please call 847-387-3555.

Group Life Insurance Notice

This is a Voluntary Group Term Life Insurance plan offered through your union. As such, this plan should not serve as your primary source of Life Insurance as the union or insurance company may be terminate, cancel or change this policy at renewal. This Life Insurance Plan is designed to give you and your family a guaranteed approved option for additional Supplemental Life Insurance while working and an active member of your union. Please review all the provisions of this Life Insurance Policy and it is highly recommended that this policy not be used to replace any existing Life Insurance coverage you may have.

When Life Insurance Coverage Ends

If disabled you may keep your Life Insurance coverage for up to 6 months provided premiums continue to be paid during that period. If not actively working for reasons other than disability, you may keep your Life Insurance for up to 3 months, again provided that premiums continue to be paid. Beyond these timeframes, your coverage will terminate unless you convert or port your Life Insurance coverage.

If you leave the union or retire, you may convert your Group Term Life Insurance to a Permanent Individual Life Insurance Policy or you may port your coverage. You must elect to convert or port your coverage within 31 days from the date of you are no longer eligible to be covered on the group plan (i.e. date of retirement or termination). Please contact the Cornerstone office at 847-387-3564 for questions about rates associated with converting or porting your Life Insurance coverage.

If you are enrolled in Child Life coverage and your child is disabled, you can retain your child’s coverage beyond age 26 by completing an application. You will have only 31 days from your child’s 26th birthday to submit this application.

Note: Typically converting your Group Term Life Insurance to an Individual Permanent Life Insurance Policy is very expensive and only recommended for people who cannot qualify for Life Insurance elsewhere.

Premium Payments, Calculations and Adjustments

Renewal Notice

This is a Group Insurance Plan offered through your union. As such, at renewal your rates and benefits may change or non-renew based on the overall claims experience of the group and/or participation requirements not being met. Further, any substantial change to the makeup of the group, such as a change in the member demographics, that impacts the underwriting risk of the plan may immediately result in a change to the plan.

At renewal, if you do not call Cornerstone to re-enroll or discontinue coverage, you herby authorize and give permission to Cornerstone to auto-enroll you in the renewal plan benefits that most resemble your currently elected benefits. Auto-enrollment could result in a potential increase in your monthly or bimonthly premium drafts. Please understand, this is intended to ensure no member loses coverage for failing or forgetting to take the time to renew or re-enroll. Given that all benefits are “Voluntary” you can cancel or lower your coverage at any time.

Loss of Premiums Notice

If you do not contact our office within 90 days of your date of retirement/termination/dismissal or the date in which you left the IBEW there will be no refund for any premiums paid. It is the sole responsibility of the member to contact Cornerstone Benefits Management at 847-387-3555 or by email at info@unioninsurance.com within the 90 day allotted time.

Failure to Make a Payment

Participating members for whatever reason may miss a premium payment from time to time. The current plan allows for a 60 day grace period to make up any missed premium payments.

Administrative & Transaction Costs

All administrative and transaction fees (fees) are included in your monthly premium. These fees cover the costs associated with, but not limited to, premium processing, premium returns, postage, policy correspondence, claims advocacy and other ancillary expenses associated with the administration of your elections. These monthly fees are applied to all coverages shown on the Summary of Benefits & Rates. Below is the structure of all applicable fees:

Included in premiums shown on Summary of Rates: Flat Rate Short-Term Disability $3.00

Transaction fee is included when premium is collected. Contact our office at 847-387-3564 for questions.

Time Left to Enroll








Benefits and Rates

Summary of Benefits & Rates

Administrative and transaction fees are applied to all coverages. These fees are included in the rates shown on the Summary of Benefits & Rates guide. For more information about Premium Payments please review the Premium Payments Calculations and Adjustments section of this page.

Contact Us

Office: 847-387-3555 | Fax: 815-425-5349

Claims: 847-387-3889 | Fax: 847-580-4937

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