Group Life & Health

Like the unions we serve, Labor First applies a solid work ethic to our insurance business. Our goal is to provide the best possible coverage and extraordinary service to unions and their members. You can count on us to provide group and individual life and health insurance products to union members, retirees and their families. 

Today, we serve the needs of union working men and women across the country with a variety of products that meet the goal of protecting them and their families.

Stop-Loss Insurance
Medical and/or Pharmacy Stop Loss insurance protects self-funded plans against excess medical expenses.  You can tailor a plan to your group, with limits and benefit amounts that work for you.  Generally, there are 2 types of Stop Loss coverage: 

Specific and Aggregate:

  • Specific Stop Loss protects a self-funded plan from a large claim for any individual plan participant or dependent that exceeds a predetermined dollar amount during a specific period of time. 
  • Aggregate Stop Loss Insurance, which protects a self-funded plan from claims incurred in total for an entire group when the actual claims are higher than expected over a specific period of time. 

Group Life / Accidental Death & Dismemberment
Group term life insurance is a core product of Labor First and has been offered to unions and their members since our inception. With life insurance, you help your members keep their financial house in order, protecting them against financial hardships that could arise in the event of death of a member, spouse or child.  We include in our life policies a benefit exclusively for unions: Strike waiver of premium. Not only do your members get to protect their families in the event of a death, but they also get the additional peace of mind that their coverage stays in place during a qualifying strike.

Unions and their highly trained members have helped make workplaces safer than they have ever been before.  But, accidents do happen and your members should be protected. Accidental death and dismemberment insurance provides coverage in the event of a member’s death or specific bodily losses resulting from an accident, on or off the workplace.  You can choose accidental death coverage with or without dismemberment benefits.  In the case of a workplace accidental death, the policy may even double the benefit paid to the beneficiary.

Short Term Disability

If an illness or injury takes a union member off the job, no one wants that person, or their family, to endure financial hardship. Unfortunately that is what can sometimes happen.  The good news is that short-term disability insurance can be an affordable type of coverage that protects your members’ most important asset – their income. It is a great and affordable way for you to help your members in a time of need. We specialize in this type of insurance coverage and are uniquely focused on understanding a union’s desire to meet the financial needs of its members during a time of crisis. Short-term disability insurance provides income protection against disabilities resulting from an accident, injury or illness during a predetermined period of time.  Let us customize a plan for your organization.