The more you know, the easier to understand
See a full list of our most Frequently Asked Questions to help you better understand your benefit needs.
The benefits programs available to you here can help protect your future and your family’s future. That is why choosing the right plans is one of the most important decisions you can make to safeguard your personal and professional life.
All dues paying members of the American Postal Workers Union. Some benefits are also available for retirees and immediate family members.
In most cases, once we receive your application, you will receive your Certificate of Insurance between 6-8 weeks. Depending on the type of coverage you are requesting, an underwriter may require medical information and financial documents. Doing so in a timely matter will help speed up the process.
If your dentist requires payment when services are rendered, you pay the dentist and submit the bills to our office for reimbursement. Your dentist can also submit bills directly to our office for payment.
No, this optional coverage applies only to insured dependent children under 19.
Yes, as long as you remain a dues-paying APWU member.
The Short Term Disability plan will pay benefits on the 31st day of a covered disability and benefits are payable up to 12 months. The Long Term Disability plan will pay benefits from the 13th month of a covered disability and benefits are payable to age 65 or you return to work.
You may apply for either or both plans with the same or different benefit amounts up to two-thirds of your basic monthly pay. If you become disabled, and have both plans, you would first collect benefits under the Short Term Disability plan after your 30 day waiting period. If you were still disabled at the end of the 12th month, you would continue to receive benefits under the Long Term Disability plan.
All disability applications go through an underwriting process. Acceptance is based on your answers to the medical questions on your application.
The Short Term Disability plan will pay benefits on the 31st day of a covered disability and benefits are payable up to 12 months. The Long Term Disability plan will pay benefits from the 13th month of a covered disability and benefits are payable to age 65 or you return to work. Benefits are also payable for disabilities that begin between ages 61 and 69. Please view the product kit for full details.
The underwriting process depends on your answers to the medical questions on your application. In some instances, the insurance company may have to ask you or your doctor for additional information, resulting in additional processing time.
Total Disability means one that continuously disables you so that you are unable to perform the material duties of your regular occupation for the first 24 months following the 12 month disability waiting period. Once benefits are paid for 24 months, total disability means the complete inability to perform the material duties of any gainful job for which you are reasonably fit by training, education or experience. You need not be confined to a hospital or your home, but you must be under a doctor's regular care to receive benefits and must not be working at a gainful occupation.
Yes, as long as you are a dues paying APWU member under age 80 and continue paying for your premiums.
No, death must occur by a covered accident, on or off the job.
Your coverage will remain in effect. Once you retire, your premiums will be billed to you on a quarterly basis. You will also have the option of a bank account deduction to pay your premiums.
Farmers offers you greater affordability and protection than most other kinds of auto and home coverage. On top of that, you receive special group rates as an APWU member.
Please have your current policies on hand when calling. For auto quotes, please also have your Social Security number, the Vehicle Identification Number (VIN), and the driver’s license number of each member of your household.
Yes, we offer a number of policies to meet all of your property insurance needs.
You may apply for up to $500,000 in Term Life Insurance, regardless of the amount you have elsewhere. You may apply for up to $500,000 on your spouse as well, and receive up to $2,000 in coverage for each eligible dependent child, too.
Yes, as the member, you must be covered in order for your spouse to apply. Spouse coverage amount cannot exceed your coverage amount.
Yes, you may keep the life insurance as long as you remain a dues paying APWU member, pay the required premiums when due and the group policy stays in force. We will then bill you directly on a Monthly, Quarterly or Annual basis, whichever is the most convenient for you. Another option is Electronic Fund Transfer from your checking or savings account.
There are two categories of benefits available to retirees: (a) benefits that must be purchased prior to retirement but may be continued after retirement and (b) benefits that may be purchased after the retirement provided the member continues his/her APWU membership.
Yes. Up to $100,000 is available for your spouse. The coverage amount cannot exceed your coverage amount.
Your premium is based on your issue age, meaning your initial rate is based on your age at the time your coverage becomes effective and your rates will not increase due to age.4
We will not pay benefits for Covered Conditions that are caused by or result from a Pre-existing Condition if the Covered Condition occurs during the first 12 months that a Covered Person is insured under this Certificate.
To participate in the Purchasing Power program, you must be an active APWU dues-paying member working full time (at least 20-hours a week) for at least 12-months to be eligible to participate. Must have a bank account or credit card (to be used in case of nonpayment via payroll deduction).
PSE, Associate and Retiree members are not eligible for this plan.
Yes, one of the wonderful features of our discount plans is that your entire household can receive the discounts, even children away at college!
No, this is not an insurance plan. Our discount plans provide you with discounted prices on a wide range of health care services and products; you will pay the discounted rate at the time services are received.