Starting Coverage: March 31

About AWA SecureElite

The AWA SecureElite membership provides members with access to supplemental Critical Illness and/or Group Accident Only Insurance benefits.  Having supplemental insurance can help in the event of an unexpected accident or critical illness. Best of all, members can use the cash benefits however they choose- for out-of-pocket medical expenses, transportation costs, help with child care, meals or other household duties or even to pay routine monthly bills.

Click Each Tab Below to Learn More About AWA SecureElite - Open All Tabs

Value Added Benefits

AirMed

At home or abroad, the entire suite of AirMed medical transport benefits is available to AWA members* without deductibles, claim forms or out-of-pocket expenses.

If a medical emergency occurs while you are hours from home or halfway around the globe, members have seamless access to the highest level of acute care provided by the leading air medical company in North America – AirMed.

Insured Benefits

Accident Medical Expense (AME) and Accidental Death & Dismemberment (AD&D) Insurance Benefits

Guarantee Trust Life Insurance Company

GROUP ACCIDENT ONLY INSURANCE PLANS
Underwritten by Guarantee Trust Life Insurance Company (GTL)
Policy Form MP-1400 (or MP-1300) issued to Affiliated Workers Association
Benefit DescriptionLevel 1Level 2Level 3Level 4
Accident Medical Expense Benefit (AME)1
Accident Medical Expense Benefit$2,500$5,000$7,500$10,000
Deductible per Covered Accident$250$250$250$250
Initial Treatment Period60 Days60 Days60 Days60 Days
Benefit Period12 Months12 Months12 Months12 Months
Covered Charges
Hospital room and board, and general nursing care, up to the semiprivate room rateup to $2,500up to $5,000up to $7,500up to $10,000
Hospital miscellaneous expense during Hospital Confinement or for outpatient surgery under general anesthetic, such as the cost of the operating room, laboratory tests, x-ray examinations, anesthesia, drugs (excluding take-home drugs) or medicines, therapeutic services and suppliesup to $2,500up to $5,000up to $7,500up to $10,000
Doctor's fees for surgeryup to $2,500up to $5,000up to $7,500up to $10,000
Anesthesia servicesup to $2,500up to $5,000up to $7,500up to $10,000
Doctor's visits, inpatient and outpatient, each visit$75$75$75$75
Hospital Emergency care$500$500$500$500
X-ray and other diagnostic tests$250$250$250$250
Ambulance expense$250$250$250$250
Durable Medical Equipment$100$100$100$100
Prescription Drugs$500$500$500$500
Dental treatment for Injury to Sound Natural Teeth$250 per tooth up to a maximum of $500$250 per tooth up to a maximum of $500$250 per tooth up to a maximum of $500$250 per tooth up to a maximum of $500
Physical Therapy$60 for first visit; $30 for each visit thereafter$60 for first visit; $30 for each visit thereafter$60 for first visit; $30 for each visit thereafter$60 for first visit; $30 for each visit thereafter
Registered Nurse expenseup to $2,500up to $5,000up to $7,500up to $10,000
Accidental Death & Dismemberment Benefit (AD&D)2
Principal Sum - Member, Spouse, Child(ren)$2,500$5,000$7,500$10,000
Schedule of Benefits
Loss of Life100%100%100%100%
Loss of Both Hands
Loss of Both Feet
Loss of the Entire Sight of Both Eyes
Loss of One Hand and One Foot
Loss of Speech and Hearing
Loss of One Hand or One Foot and Entire Sight of One Eye
Loss of One Hand or One Foot50%50%50%50%
Loss of Entire Sight of One Eye
Loss of Speech or Hearing
Loss of Hearing in One Ear25%25%25%25%

Disclaimers

L&E

1 Accident Medical Expense Benefit does not pay for reinjury or complications of an injury caused or contributed to by a condition that existed before the Accident.

This benefit pays in excess of any other insurance coverage you may have for the expenses you are charged by a hospital, doctor, or certain other charges, up to a maximum of the amount listed if you are injured in a Covered Accident. GTL will pay based on the Reasonable and Customary charges for Medically Necessary treatment of a Covered Injury incurred by the Covered Person resulting from a Covered Accident, after the $250.00 Deductible is satisfied. The first treatment or service must occur within 60 days of the Covered Accident and all subsequent treatments must be incurred within 12 Months of the Covered Accident. Benefits will be paid up to the amount stated in the Schedule of Benefits.

The Accidental Death & Dismemberment benefit pays the amount shown if you suffer a Covered Loss resulting directly and independently of all other causes from a Covered Accident. If you sustain more than one Covered Loss as a result of the same Covered Accident, only the largest available benefit will be paid. If the loss results in death, benefits will only be paid under the Loss of Life benefit provision.

2 Accidental Death and Dismemberment Benefits are provided as shown in the Schedule of Benefits and pays the member or beneficiary up to the benefit amount listed for the member’s death or loss of certain body parts in a Covered Accident.

Percentages relate to the Principal Sum benefit as shown above for the Primary, Spouse and Child(ren).

Critical Illness (CI) Insurance Benefits

Guarantee Trust Life Insurance Company

GROUP ACCIDENT ONLY INSURANCE PLANS
Underwritten by Guarantee Trust Life Insurance Company (GTL)
Policy Form MP-1400 (or MP-1300) issued to Affiliated Workers Association
Benefit DescriptionLevel 1Level 2Level 3Level 4
Critical Illness Lump Sum Benefit
Maximum Critical Illness Benefit per Insured$2,500$5,000$7,500$10,000
Benefit Eligibility
Waiting Period60 Days60 Days60 Days60 Days
Pre-Existing Conditions Period12 Months12 Months12 Months12 Months
Benefit Eligibility for Pre-existing Conditions12 Months After Effective Date
Schedule of Benefits
Heart Attack100%100%100%100%
Stroke
Invasive Cancer Lump Sum Benefit

Critical Illness benefits terminate on the date that the member turns age 65.

Stand-Alone Accidental Death & Dismemberment (AD&D) Insurance Benefit

Guarantee Trust Life Insurance Company

GROUP ACCIDENT ONLY INSURANCE PLANS
Underwritten by Guarantee Trust Life Insurance Company
Policy Form Series MP-1400 (or MP-1300) issued to Affiliated Workers Association
Benefit DescriptionLevel 1Level 2Level 3Level 4
Stand-Alone Accidental Death & Dismemberment Benefit (AD&D)3
Principal Sum $50,000$100,000$200,000$300,000
Primary100%100%100%100%
Spouse50%50%50%50%
Child(ren)25%25%25%25%
Schedule of Benefits
Loss of Life100%100%100%100%
Loss of Both Hands
Loss of Both Feet
Loss of the Entire Sight of Both Eyes
Loss of One Hand and One Foot
Loss of Speech and Hearing
Loss of One Hand or One Foot and Entire Sight of One Eye
Loss due to Hemiplegia
Loss due to Paraplegia
Loss due to Quadriplegia
Loss of One Hand or One Foot50%50%50%50%
Loss of Entire Sight of One Eye
Loss of Speech or Hearing
Hearing in One Ear25%25%25%25%

3 Accidental Death and Dismemberment Benefits are provided as shown in the Schedule of Benefits and pays the member or beneficiary up to the benefit amount listed for the member’s death or loss of certain body parts in a Covered Accident. Principal Sum will be reduced by 50% for Injury which occurs on or after a Covered Person’s 70th birthday.

Monthly Rates

CI-AME-ADD
Level 1
$2,500
Level 2
$5,000
Level 3
$7,500
Level 4
$10,000
Member$63$86$109$131
Member + Spouse$80$117$154$189
Member + Child(ren)$68$94$121$146
Member + Family$89$132$175$214
CI-ADD
Level 1
$2,500
Level 2
$5,000
Level 3
$7,500
Level 4
$10,000
Member$54$72$92$111
Member + Spouse$63$90$119$148
Member + Child(ren)$55$74$95$115
Member + Family$64$93$123$152
AME-ADD
Level 1
$2,500
Level 2
$5,000
Level 3
$7,500
Level 4
$10,000
Member$44$50$57$61
Member + Spouse$53$63$76$83
Member + Child(ren)$49$57$66$72
Member + Family$61$77$95$106
STAND-ALONE AD&D
Level 1
$50,000
Level 2
$100,000
Level 3
$200,000
Level 4
$300,000
Member$48$55$66$78
Member + Spouse$54$66$90$114
Member + Child(ren)$51$60$78$96
Member + Family$60$78$117$149

FAQ / Carrier Information

Carrier Information

Guarantee Trust Life

With 83 years of experience in the insurance industry, Guarantee Trust Life Insurance Company (GTL) has a proud heritage of providing excellent service and superior insurance products to individuals, families and groups across the country. Guarantee Trust Life Insurance Company is a mutual legal reserve company located in Glenview, IL and licensed to conduct business in 49 states and the District of Columbia and is rated “A-” (Excellent) by A.M. Best Company.

GTL believes in doing business the right way. They have a consistent track record of successfully delivering on their promises and preserving the trust that their partners, employees and policyholders place in them.

Their mission is to be recognized as a highly-competent, mid-sized mutual insurer, who by bridging timeless virtues with current best business practices, is effective in marketing targeted life and health products across the country.

Membership Eligibility

Individuals may enroll in a SecureElite membership if they meet the following eligibility requirements:

  • Between the ages of eighteen (18) and sixty-four (64); up to seventy (70) for AME/AD&D only
  • Reside in an available state
  • Dependent children must be under age twenty-six (26)
CI-AME-AD&D and CI-AD&D plan options are NOT Available in: AK, CA, CO, CT, FL, ID, IN, KS, KY, ME, MD, MI, MN, MO, MT, NV, NH, NJ, NM, NY, NC, ND, OR, RI, SD, TN, UT, VT, WA.
AME-AD&D plan options are NOT Available in: AK, ID, ME, MD, MN, MO, MT, NV, NH, NY, NC, OR, SD, UT, WA.
Stand-Alone AD&D plan options are NOT Available in: AK, CO, ID, KS, ME, MD, MN, MO, MT, NV, NH, NM, NY, NC, OR, RI, SD, UT, WA.