No-Cost Coverage to Apprentice Members

Loss of License Insurance

  • $1,200 monthly benefits purchased for the first-time Apprentice member by the Association during the apprentice period.
  • For additional coverage purchased by first-time Apprentice members, reduced rates apply during the apprentice period and for up to two years after transfer to Active membership.

Lump Sum Loss of License Insurance

  • $25,000 lump-sum coverage purchased for the first-time Apprentice member by the Plan during the apprentice period.
  • Additional coverage can be requested by application, in $25,000 increments from $25,000 to $150,000, to a maximum of 2.5 times salary.

Group Term Life Insurance

  • A $10,000 certificate is provided, at no cost, to the first-time Apprentice member during the apprentice period.
  • Additional benefits for first-time Apprentice members, for up to the first two years of contributory coverage, are billed at a reduced rate.

Critical Illness

  • All first-time apprentice members receive $10,000 in Critical Illness insurance at no cost during their probationary period.
  • Additional coverage purchased by the first time apprentice members, reduced rates apply during the apprentice period and for up to two years after transfer to active membership, so long as the application is received during the apprentice period or within 30 days of the Association’s receipt of notification of entry into active membership.

Accident Insurance

  • All first-time apprentice members of the Association receive Accident Insurance coverage at no cost during their probationary period.
  • Additional coverage purchased by the first time apprentice members, reduced rates apply during the apprentice period and for up to two years after transfer to active membership, so long as the application is received during the apprentice period or within 30 days of the Association’s receipt of notification of entry into active membership.