The IBT Airline Division has built a mutually beneficial relationship with Aflac Insurance. This relationship has helped our membership with affordable coverage that offers whole life, accident, critical illness and short-term disability coverage. We are pleased to announce that we have added a Hospital Indemnity Program (HIP). This program will be available starting January 1, 2020.
The hospital indemnity policy will pay you cash for any hospitalization with at least one overnight stay, including those related to workers’ compensation claims. You will have a choice of two plans, a high or low option based upon the medical plan you have, so that you can select a plan you can comfortably afford.
The HIP will have guarantee issue, including:
no exclusions for pre-existing conditions (including pregnancy);
guaranteed issue coverage for all family members, including children up to age 26;
a policy that is fully portable when you leave United Airlines, and
benefits paid that are never treated as taxable income.
I am also pleased to announce that because of the relationship we have built with Aflac all four of the current policies rates will remain unchanged through 2022. This is your union working for you and giving you choices of coverage that meets you and your family's individual needs.