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Union Savings Programs
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Comprehensive Coverage for Union Members

Financial protection at an affordable price.

Every member in good standing of a union participating in this aspect of the Union Savings program is entitled to receive absolutely free $2,500 in accidental death insurance. All you have to do is submit an enrollment form.

Young children

A number of benefits included in the Union Advantage Insurance Plan have been negotiated specifically with union members in mind. A person who is off work as a result of a strike or lockout can have their premiums waved for up to six months - with no reduction in benefits.

As with any insurance policy, disputes may occasionally arise over the provision of benefits. If this happens under the Union Savings Plan, help is available to the claimant. The Plan provides for an independent mediation arbitration process that is a first in Canada outside of any similar provisions that may appear in a few union contracts.

The chart below illustrates the benefits in detail.

Union Advantage Plan Benefits

Amount of Coverage
Type of Coverage
Complimentary Plan
Comprehensive Plan
Hospitalization (up to one year)
Not Applicable
$100/day
Intensive Care Unit (up to 30 days)
Not Applicable
$200/day
Fracture
Not Applicable
$5,000
Permanent and Total Disability
$1,000
$100,000
Paralysis (Hemi/ Para/ Quadriplegia)
$1,000
$100,000
Loss or loss of use of both arms or both legs or both hands or both feet
$1,000
$100,000
Loss or loss of use of one arm or one leg or one hand or one foot
$500
$50,000
Loss of sight in both eyes
$1,000
$100,000
Loss of sight in one eye
$500
$50,000
Loss of speech
$500
$50,000
Rehabilitation
Not applicable
$15,000
Accidental Death
$2,500
$50,000
The Comprehensive Union Advantage Plan also includes six Trauma Counselling sessions.

The premium for the comprehensive Union Savings Accidental Permanent and Total Disability Insurance Plan is $9.75 per month for the member only. Spouses can receive 50 per cent of the maximum coverage available under the plan for a combined premium of $13.95, or benefits can be extended to cover both spouse and children for $16.70 per month. The premium for coverage for the member and children is $12.50.

ACE Logo

The Union Savings accident protection plan is provided by ACE INA Life Insurance, a member of the ACE Group of Companies, which has assets of over $43 billion and operations in over 50 countries around the world. The origins of the ACE Group of Companies dates back to 1792, and they have provided insurance protection to Canadians since 1889.

You can obtain an enrollment form for free coverage or comprehensive coverage at great low rates by downloading a PDF of the application (Acrobat Reader or similar required), or you can have one mailed to you by calling ACE INA Life Insurance toll-free at 1-877-534-3655, or through your union or association if it is an affiliate of Union Savings and has agreed to offer the program to its members.

More details of the ACE program can be found in a brochure which you can download in PDF format.

To find out if your labour organization is registered as a participant in the ACE Insurance Program, click here.

The above information is a summary of coverage provided by the Union Savings ACE Accident Insurance Plan. It provides a general explanation of the benefits and conditions of the Plan. It is not a contract. The Certificate of Insurance should be consulted for specific details.
Union Savings is a service of Canadian Union Advantage Benefit Programs (CUABP), a voluntary organization with which many leading Canadian unions and labour organizations are affiliated. Union Savings exists for the purpose of using the purchasing power of union members to obtain money saving benefits for them and their families.