Accidental Death and Dismemberment Insurance

Are you a member of OSEA? Then you’re covered.

OSEA, through our affiliation with the American Federation of Teachers (AFT), has arranged for all active, working members* in good standing to have a $5,000 accidental death and dismemberment (AD&D) insurance policy from The Union Labor Life Insurance Company. The AD&D benefit is included in your OSEA union membership, so you’re already covered — but you need to name your beneficiary. Download this form and return it to OSEA to designate your beneficiary.

Whether an accident resulting in a covered injury or loss of life happens at work or away, this AD&D insurance coverage pays you or your beneficiary a cash benefit within 90 days.

As one of the valuable benefits of OSEA/AFT membership, the AFT has paid for this coverage for ALL eligible members.

* Retired members and members who pay a fee for representation but are not full members are not eligible for this benefit.

What you should know

OSEA/AFT members who spend their lives working to provide stability for their families should have extra protection if a work-related accident occurs. That’s why the policy provides extra benefits for workplace accidents.

Standard benefit

  • Coverage for both on-the-job and off-the-job accidents.
  • Coverage extends to accidents occurring anywhere in the world.
  • $5,000 benefit is paid to member’s beneficiary for accidental loss of life.
  • Full or partial benefit for accidental loss of hand, foot, sight, speech or hearing.

This policy has eligibility criteria, limitations and terms under which the policy may be continued in force or discontinued.

Double benefit

  • Injury or death occurring at the workplace. Travel to and from work is excluded from this double benefit.
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