The AFT officers have approved the inclusion of retired AFT members in the AFT’s AD&D program at the same coverage rate ($5,000) as active members.
This coverage is effective immediately, and entirely paid for by the AFT. Chubb is the carrier.
The major difference for retirees (when compared to the program for active members) is that there is not a doubling of the benefit if the member dies or is disabled on the job.
The STANDARD BENEFIT for active and retired members provides:
Coverage for both on-the-job and off-the-job accidents.
Coverage extends to accidents occurring anywhere in the world.
$5,000 benefit is paid to member’s beneficiary for accidental loss of life.
Benefits also for accidental loss of hand, foot, sight, speech, or hearing.
The DOUBLE BENEFIT provides:
Injury or death occurring at the workplace associated with your AFT membership. This double benefit does not include travel to and from work.
Retired members are not covered by the double benefit.
What if a Retired Member is working at an AFT local?
If a retired member is working in another position for which they are also paying dues to an AFT affiliate, and that affiliate is paying per capita to AFT on that member, then they are covered as an active member and not as a retired member. Essentially, they are only covered once.
What accidents are excluded: those typically excluded from a group AD&D policy. Please refer to the Summary of Benefits for more information.
For More information: please go to Accidental Death & Dismemberment | American Federation of Teachers (aft.org) where you will find an Informational Flyer, Summary of Benefits and means to name a beneficiary.