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Benefit Design Services,
Inc. has enjoyed an excellent working relationship with organized labor unions since 1991. We provide specific products, benefit levels and
rates designed exclusively for union members. Currently, we
serve over 22,000 union members in 33 states - and are continuously
adding new locals each month!
Disability
BDS offers the most comprehensive package of short and long-term disability income coverage available in the market today, for union members only.
- First-time
participants have guaranteed acceptance into
the program, regardless of medical history and conditions
- Members
may purchase additional short-term benefits to insure up to 50% of their
gross monthly income including overtime. Employer-provided sickness-and-accident
benefits (S&A) in the paper and related industries are often significantly
less than what a member needs to survive financially in the event
of a disability. This coverage helps to ensure that you can meet
your financial needs.
- Long-term
coverage can also be purchased to insure up to a total of 50% of a
member's gross income for up to 5 years.
(certain limits may apply)
- No offset for social security.
- Portable Protection .
- All voluntary
benefits are completely tax-free!
Life Insurance
With the guaranteed issue provisions available at initial enrollments,
no union member, spouse or child will be turned down regardless of
current or past medical conditions.
Pension Maximization
We offer an unmatched program designed to maximize your income during
retirement. This specific program is not available anywhere else
and is available only for union members.
This
is an exciting new program for your consideration and is extremely
important to your financial security during retirement!
- Available
to union members age 45 years and older.
- Provides
members with a way to maximize pension benefits without risks
or loss to themselves or their beneficiary.
- Guaranteed
issue on the member's spouse.
- Full benefit
payments to spouse can begin before retirement,
upon member's death
- Full
refund of premiums if spouse passes away before member
Critical Illness Insurance
Most people expect that their health insurance policies will pay
for all their expenses in the event of a critical illness. However,
due to many hidden costs of a critical illness, financial needs
often far exceed the coverage of a standard medical plan. A family
can be hit hard by overwhelming medical expenses and loss of income.
Explore the benefits of a critical illness policy through Benefit
Design Services, Inc. A critical illness policy pays a lump sum
benefit (in the format of your choice) for covered illnesses, including
but not limited to heart attack, stroke, major organ transplant,
and coronary artery bypass surgery.
Long Term Care Insurance
Many people think that long-term care is something that only the
elderly need to worry about. But the facts say otherwise.
Here
are some important facts:
- Forty
percent of Americans currently receiving long term care are under
the age of 65.
- Right
now, nearly 1.5 million Americans live in a long-term care facility,
with another five million requiring some kind of daily living
assistance.
- The national
average cost of nursing home care is currently $41,000 per year...
with generally over 30% of that fee being paid out-of-pocket.
Long-term care insurance, through BDS, helps to protect against
the high costs of an extended illness or disability. We offer a
product which provides the following:
- You can
receive care at home or in a long- term care facility. You make
the choice.
- No coordination
of benefits with Medicare or other insurance
- Respite
Care benefits to relieve a caregiver when needed
- You do not
need to be hospitalized in order to receive benefits
- The Total
Home Care option will pay benefits regardless of who provides
home care
Start
considering your long-term care options now.
Contact
us for information on offering any of the above unique benefits
to the members of your local. Call Benefit Design Services today
at 800-982-9280.
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