BLET Group Critical Illness and Accident Coverage

Open Enrollment

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 include Critical Illness Insurance (CI) and Accident Insurance (ACC).
 

Aflac Group Coverage

Critical Illness (CI) coverage underwritten by Aflac provides:

  • Guaranteed Approval during Open Enrollment.
  • Lump sum payment directly to the member in the event of Heart Attack, Stroke, Cancer, Major Organ Transplant, End-Stage Renal Failure, or Coronary Artery Bypass Surgery.
  • No pre-existing condition limitations.
  • Member can elect $10,000 or $20,000 coverage.
  • Members may elect spousal 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 at 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 Approval during Open Enrollment with no pre-existing limitations.
  • Large array of covered services and injuries, such as ambulances, x-rays, anesthesia, wheelchairs, casts, burns, concussions, dislocations and other.
  • Lump sum payment for covered services and injuries paid directly to the member.
  • Member can elect coverage on themselves, 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.

How it Works



Amount payable was generated based on benefit amounts for: Closed-Reduction Leg Fracture ($2,400), Emergency Room Treatment ($200), one Follow-Up Treatment ($30), Ambulance ($200) and Appliance ($100)

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