Union Members & Families
Most union members don't know what their benefits actually cover — or where the gaps are. We help you find out. Free benefits checklist, no-cost review, no obligation.
Union benefits differ by local, trade, and employer. What your coworker has may not match what you have — even in the same union.
Dental, vision, disability, and life insurance gaps are the most common. Many members discover these gaps only when they need to file a claim.
Affordable supplemental coverage can fill the gaps your union plan doesn't cover — often for less than you'd expect. The first step is knowing where the gaps are.
Free Resources for Union Members
A comprehensive checklist that walks you through every major benefit category — health, dental, vision, life, disability, retirement — so you can see exactly where you stand.
Get the free checklist →Answer a few questions about your current union benefits and we'll show you which supplemental products could fill the gaps — with estimated costs.
Find your coverage options →Download the free Union Benefits Checklist. Walk through each category and mark what your plan covers. Takes about 10 minutes.
A licensed agent reviews your completed checklist, identifies the gaps, and walks you through supplemental options that fit your budget.
Choose the coverage that makes sense for your family. Or don't — the review is free and there's zero obligation. You'll know where you stand either way.
Cash benefits paid directly to you after covered accidents — regardless of your health insurance. Covers deductibles, lost wages, and out-of-pocket costs.
Lump-sum payment if you're diagnosed with a covered condition like cancer, heart attack, or stroke. Use it however you need — bills, treatment, living expenses.
Your union may provide some life insurance, but is it enough? Most group policies cover 1-2x salary. Financial advisors recommend 10-12x.
Not all union plans include dental and vision — or they may have waiting periods and annual limits that leave gaps. Supplemental plans can fill those.
If an injury keeps you off the job, how long can your family go without income? Short-term disability bridges the gap between injury and recovery.
A small whole life policy designed specifically to cover funeral and burial costs. Guaranteed issue options available — no medical exam required.
No. Supplemental coverage works alongside your union benefits — it fills gaps, it doesn't replace what you already have. Your union plan stays exactly the same.
Yes. The checklist is a free educational resource. A licensed agent delivers it and can walk you through your options, but there's no cost and no obligation to purchase anything.
It depends on the type of coverage, your age, and your health. Many supplemental policies for union members run $20–$80/month. The agent will show you specific costs during your review.
No. Lifeguard Network is an independent insurance resource — not affiliated with or endorsed by any specific union. We work with union members across all trades and locals.
Yes. Most supplemental products offer family coverage options. Your agent will review options for your whole family during the benefits review.