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What are the Hospital Indemnity Insurance Plan Benefits?
A Cash Benefit While You Are In The Hospital!
Cash Payments Of Up To $200 Per Day While in The Hospital |
You may select a daily benefit of $200, $100, $75 or $50, which will be paid for each day you and/or your insured spouse spends in the hospital for a covered sickness or injury. Benefits begin the first day of hospitalization and are paid for up to 365 days of hospital confinement. While hospitalized, insured children receive 40% of your selected benefit ($80, $40, $30, or $20 per day).
The member's or spouse's daily benefit amount will be limited to a maximum of $100 on the date the member or spouse attains age 70.
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| Double Benefit for Common Accident |
If two insured family members are hospitalized at the same time as a result of the same accident, the daily benefit is doubled for each hospitalized person for the first 7 days of hospitalization. This could mean daily benefits of up to $400 for a member or spouse or $160 for each insured child.
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| Increased Payment For Intensive Care unit |
For each day you or your insured spouse are confined in a hospital intensive care unit, the daily benefit is increased by 50% for the first 7 days. Children are not eligible for this benefit.
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| Advantages To You |
- Cash Payments to you during hospitalization...up to $200 per day
- Starts paying with 1st day of hospital confinement
- Can also cover your spouse and children
- Affordable APWU Group Rates are payable through payroll deduction
All eligible members (as described) of the American Postal Workers Union and their families will be accepted for coverage.
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| Effective Date |
Coverage will take effect on the payday the first premium is deducted from your paycheck, unless you or any enrolling family member are hospitalized. In that case coverage will begin on the day after such person is discharged.
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| Pre-Existing Condition Limitation |
This plan will not cover any sickness or injury for which you or an enrolling family member incurred charges, received medical treatment, consulted a physician, or took prescribed drugs within 12 months before becoming insured. Benefits for such pre-existing conditions will be paid after the person has been insured for 12 continuous months.
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| Coverage Of Recurring Hospitalization |
A series of hospital confinements for the same or related causes, when separated by 180 days or more, will be treated as new confinements, with a 365 day benefit period.
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| Right To Renew |
Your Hospital Indemnity Insurance Plan is renewable through age 69, provided the insurance company agrees to continue the program. Earlier termination can only occur if you: (1) fail to pay a premium when due (2) retire or cease to be actively engaged full time of at least 20 hours per week for your employer or (3) are no longer a Member of the APWU.
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| Exclusions |
Hospital confinement for pregnancy is covered only if conception occurs after the effective date of insurance. Hospital confinement for complication of pregnancy are covered as any other sickness. Benefits are not payable for hospitalization resulting from war or act of war, intentionally self-inflicted injuries; elective or cosmetic surgery; active military duty in the service of any country, alliance, international organization, routine nursery care of a newborn baby, care that is not essential or necessary, care that would be given free of charge in the absence of insurance. A complete listing of exclusions and limitations is included in the group policy and the certificate.
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| Aggregate Benefit Amount |
The total amount of benefits per day of hospital confinement that are payable with respect to an insured person may not exceed $500. Such total amount of benefits will be equal to the sum of:
- the daily hospital indemnity benefit under the group policy; plus
- the daily hospital indemnity benefit under any other group policy providing hospital indemnity benefits issued by United States Life; plus
- the daily hospital indemnity benefit under any other group or individual policy providing hospital indemnity benefits issued by any other insurance company.
If the total amount of benefits exceed $500 per day, the benefits payable under the group policy will be reduced. The reduction will be equal to the lesser of:
- the amount of benefits otherwise payable under the group policy; or
- the excess amount
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| Premium Contribution |
These are your affordable bi-weekly group rates. You may select a daily benefit of $200, $100, $75 or $50. The rates for yourself, spouse and children are based on your age when you enter the plan. The rates do not increase as you get older.
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| How To Determine Your cost |
- From the rate chart, select the benefit amount desired.
- Locate your current age.
- Select coverage that best fits your needs. The corresponding amount will be your bi-weekly premium amount that will be deducted from your paycheck upon receipt of your enrollment form.
- Complete and sign the enrollment form and return it. It's that easy! You may apply for this benefit over the telephone by calling 1-800-422-4492!
Click here to view the Hospital Indemnity Bi-Weekly Group Rates.
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| Who May Enroll In The Plan |
You are eligible if
- You are an active APWU Member
- You are working 20 or more hours per week
- You are not yet age 70
- You may also enroll your spouse and dependent children under the age 19 (to 25 if a full-time student)
Note: If you are insured for dependent insurance, newborn children are covered up to 31 days old. To extend coverage send notice of birth within 31 days and pay any required premium.
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| Reduction formula for daily benefit amounts over $100 |
On the premium due date coinciding with or next following the date you or your spouse attains age 70, the person's daily benefit amount will be reduced to $100.
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| It's Easy To Apply |
- Simply complete the enrollment form authorizing payroll deduction. Click here for enrollment form. Please make sure you complete all the information requested. An incomplete enrollment form will be returned, resulting in a delay in processing your enrollment form.
- Send no money. You may also apply for this benefit over the telephone by calling 1-800-422-4492!
- Return your enrollment form to: The Voluntary Benefits Plan, P.O. Box 1471, Waterbury, CT 06721 or fax to 1-203-754-7847.
Once you receive your certificate of insurance, if you're not 100% satisfied within the first 30 days, we'll send you a full refund of any premiums paid during that period and you certificate will be considered never issued. You will be under no further obligation.
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| Any Questions? |
Call the following toll-free number
1-800-422-4492
• TDD 1-203-754-4410
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| Please Note |
You must notify the Voluntary Benefits Plan of any address change, employment status change, life status change (i.e., marriage, divorce, beneficiary or name change) or benefit changes requested. Notice must be in writing.
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| New York Disclosure |
This plan provides limited benefits for health insurance only. It does not provide basic hospital, basic medical or major medical benefits as defined by the New York State Insurance Department.
This is a summary of benefits only and is subject to the terms, conditions, exclusions and limitations of Group policy # G-131,469, form no. G-19000 / 19001. Benefits may be limited or may not be available in all states. (This plan is not available in PR, VI, GU & AS)
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| Administered By |
The Voluntary Benefits Plan
P.O. Box 1471
Waterbury, CT 06721
Phone: 1-800-422-4492
Fax: 1-203-754-7847
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| Underwritten By |
The United States Life Insurance Company In the City of New York
A member company of American International Group, Inc.
United States Life has been awarded an A+ (Superior) rating from A.M. Best. This rating reflects United States Life's superior overall financial strength and operating performance when compared to A.M. Best's standards. The rating is current as of May 5, 2007. For the latest A.M. Best's Ratings and A.M. Best's Company Reports, please visit the A.M. Best Web site at www.ambest.com.
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