(224) 770−5305

IBEW Local 197

Bloomington, IL

IBEW Local 197 Income Protection

Continue getting paid if you can’t work due to illness, injury, or death!

Illness, Injury, and Death Are The #1 Cause of Bankruptcy & Foreclosure In America. Take Control of Financially Protecting Yourself and Your Loved Ones!

Is What You Currently Have Enough?

IBEW Local 197 members currently covered by the Decatur Plan Health & Welfare Fund have an incremental Short-Term Disability benefit of $300 weekly for the first 6 weeks, $400 weekly for weeks 7 to 12, and $500 weekly for weeks 13 to 26. This is an average weekly benefit of approximately $430/week for the 26 week period. If your paycheck is normally $1,350/week and you get sick or injured, you would currently only receive either $300, $400, or $500 weekly depending on the duration of your disability. That leaves an income gap on average of $920/week or 68% of your weekly income. If you miss work for 6 weeks the income loss is $6,300. If you missed work for 26 weeks the income loss is $23,900.  

The Decatur Plan does not offer Long-Term Disability and has only a $20,000 Life Insurance benefit.

Continued Income When Your Income Stops Due To Injury, Illness or Death!

Plan Information Overview

  • Short-Term Disability (STD) pays for up to 24 Weeks
  • Long-Term Disability (LTD) pays for up to 2 or 5 years
  • Life Insurance w/ AD&D for Member, Spouse, and/or Child(ren)

Benefits & Costs

No medical tests, questions, or underwriting to enroll; no active working member of the IBEW Local 197 can be denied coverage!

COVID-19 (Coronavirus) Disability FAQ

It is important to understand that these Life and Disability benefits DO cover COVID-19 (Coronavirus) in the event that you contract the virus and cannot work (to include being quarantined after being diagnosed with COVID-19) or pass away as a result of the virus.

The below list provides the main parameters a member’s claim must meet in order to be eligible to file a claim for the Coronavirus. However, there may be other factors that would impact a Coronavirus claim.

  • Only cases of the Coronavirus that are medically diagnosed and documented by a medical professional would constitute as eligible for benefits
  • Members who are quarantined due to testing positive for Coronavirus would be eligible for benefits
  • Members who are quarantined as a preventative measure and do not have an official Coronavirus diagnosis by a medical professional would not be eligible for benefits, including, but not limited to;
    • Jobsite shutdowns for preventative measures
    • Furloughs, layoffs, etc.
    • Care for a loved one who has been diagnosed or exposed
  • The normal waiting period still applies, so the member needs to be held out of work by a medical professional for longer than their waiting period in order to be eligible

Members enrolling for coverage now, but who do not yet have effective coverage, would not have an eligible Coronavirus claim if:

  • The member enrolls now for a future coverage effective date and already has a medically diagnosed case of Coronavirus or has seen their doctor for signs/symptoms of the Coronavirus
  • The member’s coverage is not effective and in force prior to seeing a medical professional or being diagnosed

Please call us at (224) 770−5305 for more information.