BLET Group Critical Illness and Accident Coverage, Universal Life with Long Term Care

We are pleased to inform you that the Brotherhood of Locomotive Engineers and Trainmen is making available a new portfolio of voluntary group insurance plans to all active, dues paying members. These group plans include Critical Illness Insurance (CI), Accident Insurance (ACC), and Universal Life Insurance (UL) with a Long-Term Care Rider.


Aflac Group Coverage

or call 224-770-5322

Critical Illness (CI) coverage underwritten by Aflac provides:

  • Guaranteed Approved – during Open Enrollment you cannot be denied coverage.
  • Lump sum payment directly to the member if any of the following occur: Heart Attack, Stroke, Cancer, Major Organ Transplant, End-Stage Renal Failure, and Coronary Artery Bypass Surgery.
  • No pre-existing condition limitations.
  • Member can elect either $10,000 or $20,000 of coverage.
  • Members may elect spouse coverage up to 50% of their elected amount ($5,000 or $10,000).
  • All eligible children are automatically covered at 50% of member’s election (no additional cost).
  • Premium never changes and members can keep coverage at the same rate after retirement.

The Accident (ACC) coverage underwritten by Aflac provides:

  • Guaranteed Approved – during Open Enrollment you cannot be denied coverage.
  • Lump sum payment for covered services and injuries paid directly to the member when an accident occurs.
  • Covered services include: ambulance, ER visit, x-ray/MRI/surgery/anesthesia, wheelchairs/crutches, stitches/casts, and others.
  • Covered Injuries include: fractures, burns, concussion, dislocation, torn ligament, lacerations, and others.
  • Member can elect coverage on themself, spouse and/or child(ren).
  • No limit to the number of claims that can be filed.
  • Premium never changes and members can keep coverage at the same rate after retirement.

Trustmark Universal Life

To get enrolled, call Cornerstone at 224-770-5322.

The Universal Life (UL) with Long Term Care underwritten by Trustmark provides:

  • Simplified medical underwriting—only 2 simple medical questions
  • Up to $100,000 of member coverage.
  • Can elect coverage for spouse and child(ren).
  • Accrues cash value and provides member with flexible premium payment options.
  • Industry leading Long-Term Care (LTC) rider included for no additional cost.
  • 4% of Life insurance benefit paid to member monthly for up to 50 months.
  • Covers expenses for assisted living, home healthcare, adult day care or skilled nursing home care.
  • LTC payments do not decrease the Life benefit.
  • Premium never changes and members keep coverage if they leave the union for any reason.