Jane Dotson
UFT members have access to a range of benefits, including health insurance and pension plans. While it seems that UFT members do not automatically receive life insurance, they can obtain up to $500,000 of term life coverage through MetLife in increments of $25,000 (via AFT). Additionally, UFT members can access various insurance plans, including disability insurance, long-term care insurance, and senior term life insurance, through endorsed programs and services provided by NYSUT Member Benefits.
| Characteristics | Values |
|---|---|
| Access to benefits | Access to benefits for UFT members and their eligible dependents is effective on the first day of full-time employment provided the member and dependents have enrolled with the Welfare Fund. |
| Coverage | All eligible members are covered by a City basic health plan of their choice. |
| Coverage termination | Coverage for a member terminates when the member is no longer in an "in-service" status, or when the Department of Education ceases to make contributions to the Fund on their behalf, or upon the death of the member. |
| Dependent coverage termination | Dependent coverage terminates when a member's eligibility ends for any reason other than death, or on the date when the dependent no longer meets the definition of eligible dependent, whichever occurs first. |
| Life insurance | UFT members can obtain up to $500,000 of term life coverage through MetLife in increments of $25,000. No reduction of coverage due to age. Coverage ends at age 70. |
| Disability insurance | UFT members can obtain disability insurance through MetLife. Benefits up to $5,000 are available. |
What You'll Learn
- UFT members are also members of NYSUT and AFT, which offer insurance benefits
- UFT members can obtain life insurance through MetLife
- UFT members can apply for disability insurance
- UFT members can access Calm, a mindfulness app, for free
- UFT members have premium-free health insurance and supplemental benefits provided by the UFT Welfare Fund
UFT members are also members of NYSUT and AFT, which offer insurance benefits
UFT members are also members of the NYSUT and AFT, which offer insurance benefits. As a UFT member, you have premium-free health insurance and supplemental benefits provided by the UFT Welfare Fund. The UFT Welfare Fund provides continuation of coverage and supplemental benefits (benefits that add to the HIP/PRIME, HIP PRIME POS and GHICBP – DME plans).
NYSUT members have access to a variety of endorsed insurance, financial, legal and shopping/travel/personal programs through NYSUT Member Benefits. This includes Calm, a mindfulness app with premium content for free.
AFT members receive discounts on policies from Farmers Insurance Choice for auto, home and rental insurance. Members can also obtain up to $500,000 of term life coverage through MetLife in increments of $25,000. Coverage ends at age 70 and may not be available in all states. Members can also get senior term life insurance to help pay for final expenses and ensure peace of mind.
AFT members are also eligible for disability income insurance, which provides income in the event of an accident or serious illness that prevents you from working. Benefits of up to $5,000 are available, and the cost depends on coverage, coverage length and elimination period.
Explore Permanent Life Insurance Options and Their Benefits
You may want to see also
UFT members can obtain life insurance through MetLife
- A lump-sum payment to your beneficiaries, who can use the money as they see fit.
- Coverage of specific financial responsibilities like a mortgage or college expenses.
- Supplementing retirement savings.
- Option to port your coverage if you leave your company.
The MetLife plan also offers convenient payroll deductions and easy access to enrollment and educational tools. Additionally, UFT members have access to other insurance benefits through NYSUT Member Benefits, including:
- Level Term Life Insurance, which allows members and their spouses/domestic partners to apply for coverage up to $1 million for 10, 15, or 20 years.
- WrapPlan® II Universal Life Insurance, which offers continuing life insurance coverage while taking advantage of any existing term life insurance policies.
- Personal Property & Liability Insurance, providing special member rates for coverage on vehicles, homes, apartments, boats, and more.
- No-Cost Accidental Death & Dismemberment (AD&D) Insurance, which provides up to $1,500 of coverage to all members at no charge.
Helicopter Pilots: Life Insurance Availability for Private Fliers
You may want to see also
UFT members can apply for disability insurance
UFT members can access a range of benefits, including insurance plans. While UFT members do not automatically receive life insurance, they can apply for it, as well as disability insurance, through the NYSUT Member Benefits program.
UFT members are also members of the AFT, which offers programs, discounts, and promotions through its AFT+ Member Benefits Program. This includes disability income insurance, which provides income in the event of an accident or serious illness that prevents you from working. Benefits of up to $5,000 are available, and the cost depends on the coverage, length, and elimination period.
UFT members can also take advantage of an array of member-only discounts, including Calm, a mindfulness app, and discounts on movie tickets, apparel, and office and school supplies.
Thrivent's Decreasing Term Life Insurance: What You Need to Know
You may want to see also
UFT members can access Calm, a mindfulness app, for free
Calm is a mindfulness app that offers in-the-moment relief for stress and anxiety, helping users to get back to living. The app helps users fall asleep naturally and peacefully and navigate life's ups and downs with resilience and confidence. It has over 2 million 5-star reviews and is trusted by many.
UFT members can access Calm Premium for free. This premium content would normally cost $14.99 per month. To access this, go to Calm.com's NYSUT portal, where you can enter an existing Calm username and password or create a new account. You will need your NYSUT ID number to access the discount. If you do not know your NYSUT member ID, you can find it on your NYSUT membership card, or you can search for it on the NYSUT website or call NYSUT Member Benefits at 800-626-8101.
The free version of Calm includes timed meditation options, the 'Day 1' session of all multi-day meditation programs, one of the breathing exercises, and the Sleep Story titled 'Blue Gold'. The app also has a large number of free background scenes that users can select from to play nature sounds and/or music in the background of both guided and unguided meditations. Four scenes are pre-loaded in the app and can be switched by swiping right on the screen. The remainder can be previewed and downloaded for free by tapping the mountain icon on the top left-hand corner of the Calm home screen.
Calm Premium includes a full library of meditations, Sleep Stories, music, and other features. This includes multiple original daily offerings from a range of teachers, hours of guided meditations covering sleep, anxiety, stress, gratitude, and more, an entire library of more than 500 Sleep Stories, and exclusive music tracks for focus, relaxation, and sleep.
Life Insurance Urine Tests: What Are They Checking?
You may want to see also
UFT members have premium-free health insurance and supplemental benefits provided by the UFT Welfare Fund
UFT members have access to premium-free health insurance and supplemental benefits provided by the UFT Welfare Fund. The UFT Welfare Fund offers a range of benefits, including prescription drug assistance, COBRA assistance, dental benefits, and optical and hearing aid benefits. Members can also take advantage of the Fund's concierge care service from the Hospital for Special Surgery.
In addition to these welfare benefits, UFT members can also access life insurance, disability insurance, and other financial services through the AFT+ Member Benefits Program. This program offers discounts on policies from Farmers Insurance Choice, up to $500,000 of term life coverage through MetLife, and voluntary disability insurance to provide income in the event of an accident or illness.
UFT members are also entitled to NYSUT member benefits, which include endorsed insurance, financial, legal, and shopping/travel/personal programs. These benefits can be accessed through the NYSUT Member Benefits website or by contacting their office.
Overall, UFT membership provides a comprehensive package of health, welfare, and financial benefits to support members throughout their careers and beyond.
Life Insurance and Social Security: What's the Connection?
You may want to see also
Frequently asked questions
No, UFT members do not automatically receive life insurance. However, they can obtain up to $500,000 of term life coverage through MetLife in increments of $25,000.
You can apply for life insurance through a company that works with NYSUT, the state affiliate of UFT.
Life insurance provides financial support to your loved ones in the event of your death. It can help cover expenses such as funeral costs, mortgage payments, or education fees for your children.
Yes, UFT members have access to a comprehensive health benefits package with a range of city health plans to choose from. They also have premium-free health insurance and supplemental benefits provided by the UFT Welfare Fund.
