The National IAM Benefit Trust Fund offers Life Insurance and AD&D benefits to participating employees who are also enrolled in a Benefit Trust Fund medical plan. Although typically provided only for employees, the Fund can provide dependent life coverage, if a quote for the cost of coverage is requested by a contributing employer.
To be eligible for coverage, the life and AD&D plan, along with the medical plan, must be negotiated into a group's applicable Collective Bargaining Agreement.
Life and Accidental Death and Dismemberment Coverage
The Benefit Trust Fund life and AD&D plan pays benefits to eligible employees and their beneficiaries. Benefits are provided through The Hartford.
The following benefit levels are available to meet the needs of any group.
- $15,000
- $25,000
- $50,000
- $100,000
- $150,000
- One times Salary
- Two times Salary
Life Insurance Benefit:
If an employee dies while covered under the life insurance coverage, the life insurance benefits will be paid to his or her beneficiaries. If an employee does not designate a beneficiary, benefits will be paid to the employee's spouse. If the employee does not have a spouse, benefits will be paid in the following order: to the employee's children, parents, siblings or estate.
Accidental Death and Dismemberment Benefit:
This benefit is not available for Retirees.
If an employee is injured as the result of an accident while covered under the Accidental Death and Dismemberment plan, the AD&D benefit for a covered accident will be paid to the employee.
Submitting a Claim
Please view The Hartford's instructional guide on how to file a claim:
- How to File a Claim: Instructional Guide (PDF)
To submit a claim for life and AD&D benefits, participants in a life and AD&D plan should review the claims section of their SPD.
In the event of a death, the employee's beneficiary must mail a certified copy of the death certificate to the Fund Office. If the death was accidental, the beneficiary should include a copy of the police and autopsy reports, including a toxicology report, if necessary.
For an accidental dismemberment, the employee must submit written details of the accident along with confirmation from a physician of the related injuries.
The Fund will complete the necessary claim forms and send them to the employee or the beneficiary for signature. Once the forms are signed and returned, the Fund will forward the claim to The Hartford for processing. Life insurance benefits will be paid to beneficiaries. Accidental death & dismemberment benefits will be paid to the employee or to beneficiaries, as applicable.
You or your beneficiary must submit a life and AD&D claim within one year after the death or injury in order for the claim to be processed.
Mail or fax necessary certificates and reports to the Fund Office as follows:
| Mail: | National IAM Benefit Trust Fund 99 M St., SE Suite # 600 Washington, DC 20003-3799 |
|---|---|
| Fax: | 202-728-0585 |
Additional Information:
The flyers linked below are intended to provide additional information about your Life and Accidental Death and Dismemberment benefits.
- LifeAD&D The Hartford How To File a Claim (PDF)
- LifeAD&D The Hartford Travel and ID Theft (PDF)
- LifeAD&D The Hartford Empathy Overview for Beneficiaries (PDF)
- LifeAD&D The Hartford Empathy Overview for Employee (PDF)