Common Questions

Here are some frequently asked questions and answers about the products and services offered on this web site. If you don't find the information you need, please Contact Us.

Q. If the cause of death is due to sickness, will my AD&D plan pay any benefits?
A. No, death must occur by a covered accident, on or off the job.

Q. I'm planning on retiring soon, can I keep my Hospital Indemnity plan when I retire?
A. Yes, as long as you are a dues paying APWU member under age 80.

Q. I have AD&D coverage now and I am retiring soon. What will happen to my coverage?
A. Your AD&D coverage will remain in effect. Since you will no longer be receiving a bi-weekly paycheck for your payroll deduction, you will have the option of being set up on a quarterly direct bill or a checking account deduction to continue your coverage.


AD&D insurance coverage is underwritten by:
New York Life Insurance Company
51 Madison Avenue
New York, NY 10010