Is the $5,000 no-cost coverage different from the Enhanced coverage?
A. Yes. The no-cost coverage provides the beneficiary $5,000 in the event of death from a motor vehicle accident or $1,000 from any other covered accidental cause. This no-cost coverage is available to union members only .The Enhanced coverage pays additional benefits. It pays up to $200,000 base benefit amount for loss of life due to accidental injury with automatic additional extra benefits. Coverage for the loss of a limb, speech, hearing or sight ranges from 100% to 25% of the base benefit amount, depending on the type of loss. Enhanced coverage offers optional coverage for family members, which includes spouse or domestic partner and children.
