Machinists Custom Choices Worksite Benefits
Supplemental Insurance Benefits for IAMAW Members
and their Families

 

Background

The Machinist Custom Choices program was developed in 1996 with the purpose of offering Machinists and their families an opportunity to purchase supplemental insurance products that are designed to fill gaps in the benefits provided by their employers through the Collective Bargaining Agreements. These gaps include out of pocket medical costs (deductibles, coinsurance, transportation and lodging costs, etc.), loss of income due to an injury or illness, or expenses that result from the death of a member or one of their family members.


Since those early days, the Machinist Custom Choices Worksite Benefits program has allowed members to provide more financial security for themselves and their families through a series of individual insurance products. The Life, Critical Illness, Accident and Disabilities insurance policies were custom designed for Machinists and negotiated with features and values based on the size of the IAMAW’s national membership.

The beauty of the program is that it allows members to select the benefits that are best suited for their own particular needs and fund those benefits through payroll deduction. All of the policies are fully portable, meaning members keep the same cost and benefits if they leave employment or retire. Premiums are then paid directly to the insurance company. As an added benefit, each policy contains a Strike Waiver of Premium provision, which keeps policies in effect in the event of a strike without paying any premium.

 

Custom Choices Benefits

Click on the name of each of the product offerings below to obtain additional details on the provisions of that plan.  Plan benefit and rates vary by state.

(Items noted with this symbol:  the link to the left of this icon will open a new window when clicked  will open a PDF file in a new window.)

 

 

Life Insurance  the link to the left of this icon will open a new window when clicked – is available to you, your spouse, dependent children, and grandchildren. If this is the first time you are eligible for the benefits offered through Custom Choices, you can purchase life insurance on yourself, your dependent children, and your grandchildren regardless of health. Coverage for your spouse is subject to one health question.

 
 

Critical Illness Insurance  the link to the left of this icon will open a new window when clicked – This policy provides a tax-free lump sum benefit of $15,000, $25,000, or $50,000 should you have a heart attack, stroke, major organ transplant, renal (kidney) failure, or receive a cancer diagnosis. Members who are in their first year of eligibility can purchase up to a $25,000 benefit on a guaranteed issue basis. This means you can qualify regardless of your health condition (pre-existing condition limitations apply). Coverage is also available for your spouse and dependent children.

 
 

Accident Insurance  the link to the left of this icon will open a new window when clicked – Accident benefits help offset expenses incurred due to a covered accident, on or off the job—24-hour coverage.

 
 

Long Term Disability  the link to the left of this icon will open a new window when clicked – Disability Income – Protect Your Most Valuable Asset – Your Income - Available to employees on a truly guaranteed issue basis during your first year of eligibility. Employees chose a benefit amount from $300 to $2,500 per month. Tax-free benefits begin after6 months of disability, and are payable for up to 5 years.

 

How to Enroll

Members can enroll in the Custom Choices benefits with the convenience of a phone call with a licensed professional Enrollment Counselor. You can have your spouse join you on the phone or the Enrollment Counselor can conference your spouse in to the call.

Even if you have already purchased a policy, this is a good time to ensure it is still meeting your needs. You may be able to increase your coverage or purchase additional benefits for you and/or your family members.

 

To enroll in the program, call us toll-free at 1-888-521-2900

An Enrollment Counselor is available Monday – Thursday from 8:30 AM to 5:00 PM CST and from 8:30 AM to 4:00 PM CST on Friday.

 

 

Employee Benefits Systems, Inc.
10000 Memorial Drive, Suite 800
Houston, TX 77024

Tel: 713-812-0900
Fax: 713-812-0888
Toll Free:   1-888-521-2900

 

 

Return to Top of Page