IBEW Local 461

Open Enrollment has been EXTENDED through January 31st, 2020.

Coverage begins February 1st, 2020.

Summary of Benefits & Rates

or call 224-770-5305

IBEW Local 461 CURRENT Disability & Life Benefits... Is This Enough Coverage?

Short Term Disability: $400 (before taxes) for 18 weeks.

Long Term Disability: $0 benefits after STD ends.

Life: $1,000 AD&D burial benefit.

About Open Enrollment

We are pleased to inform you that your union is currently in an open enrollment.

All of the available coverages are offered separately and a member’s participation in one or all of those coverages, and the level to which he or she elects to participate, is voluntary and strictly the individual’s choice.

The purpose of this Group Insurance Plan is to give you options to supplement your income in the event that you cannot work as a result of an injury, illness or death. This group plan offers Disability Insurance and Life Insurance with Accidental Death & Dismemberment coverage.

All insurance under this Union Group Policy will cover you for as long as you continue to remain actively employed, pay premium, and be in good standing with the union.

Group Insurance Information

This page will provide you with information related to your union’s group insurance plan. Here you can view and download a copy of the group policy/benefits booklet, view rates, and request information. If you have any questions regarding the benefits options that you are currently enrolled in, please call 847-387-3555.

Please note that if you are suspended, dismissed, or retire, you are no longer eligible for disability coverage and should contact our office immediately at 847-387-3555.

Disabilities that occur after being removed from service are not covered. If you do not contact our office within 30 days of your date of dismissal or date of retirement, there will be no refund for any premiums paid. It is the responsibility of the member to contact Cornerstone Benefits Management at 847-387-3555 or by email at info@uniondisability.com.

You will be able to resume your coverage if you return to work within 12 months. If dismissed or suspended, you may keep your life insurance coverage for up to 12 months as long as premiums are paid. Beyond 12 months, your coverage will terminate unless you convert or port the policy.


This is a group insurance plan; therefore, the costs and benefits are determined by the overall claims experience of the group. Your future rates and benefits may change regardless of whether or not you’ve ever filed a claim.

Know Your Responsibilities

It is the responsibility of the member to notify Cornerstone Benefits Management if employment or union status changes. Failure to properly notify Cornerstone Benefits Management could result in loss of premiums and/or insurance coverage. Notification to Cornerstone Benefits Management must be by phone at 847-387-3555 and/or by email at info@uniondisability.com.

As an individual member of the union who is paying for coverage, you are responsible for understanding the group policy and its provisions. To view/download the group policy/booklet, please look under the Policy Documents tab.

Time Left to Enroll








Policy Documents

Benefits and Rates

Contact Us

Office: 847-387-3555 | Fax: 815-425-5349

Claims: 847-387-3889 | Fax: 847-580-4937

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