Unite Here! Local 74

Voluntary Benefits - Open Enrollment March 28 - April 22, 2022

(Presented by Premier Worksite Benefits)

As a member of Local 74 , you are eligible to participate in our Voluntary Benefits Program.  Voluntary Benefits are offered to help address the individual needs of you and your family with advantages that otherwise might not be available to you on your own.  Your voluntary benefit offerings are designed to complement your benefits package and provide additional security for you and your family.

The following benefits are available to Local 74 members on a Guaranteed Acceptance* basis so members cannot be declined due to health history.  Payments can be made through the convenience of monthly ACH or bank drafts.

Security Mutual Permanent Life Insurance
Amalgamated Short Term Disability Insurance

A Benefit Specialist will be available via the Premier Worksite Customer Service Center to explain these valuable benefits, answer questions and enroll those who wish to participate.

Premier Worksite Benefits Customer Service
(866) 463-8808, Option 4
(Monday – Friday 8am – 3pm CST)

What do you get?

Options: You may choose your level of coverage; one that both fits your needs and is easy on your paycheck.  Your decision will not change the benefits being provided under any employer-sponsored benefit program.
Convenience: Voluntary benefits are paid through the convenience of payroll deduction
Acceptance: In many cases, you and immediate family members will have a better opportunity to obtain coverage through this offering than you would on your own, especially if any medical conditions or concerns are present.
Portability: Many of these programs may be taken with your with no change in premium or benefit if you leave employment or retire.

Life Insurance

Life Insurance helps take care of your loved one’s immediate and future financial needs following your death.  Immediate needs can include burial/funeral expenses, uninsured medical costs and current bills and debts.  Future needs could include income replacement, education plans, ongoing family obligations, emergency funds, and retirement expenses.

  • Protection for Life – It doesn’t expire or goes down in value
  • Level Premiums – The rate you pay for your policy will never increase
  • Cash Value – A portion of your premium builds cash value which can be borrowed against
  • Guaranteed Death Benefit – The amount your loved ones receive is guaranteed

As people move through the stages of life, certain factors dictate the type of life insurance they need. During working years, an employer may provide Term Life insurance, but the Unum Whole Life product is designed to last for the  remainder of your life and can help give peace of mind because the money you spend builds cash value that you can use later in life or add to the term benefit payout. The graph below illustrates the need for term and permanent whole life insurance throughout the various stages of life.

Disability Insurance

Could you survive if you were suddenly left without a paycheck? How would you pay your mortgage/rent, utilities, car insurance, car payments, food and other living expenses? Disability Insurance provides you with cash to protect your lifestyle when out of work due to an accident or illness.

Short-term Disability Insurance offers income protection to help cover monthly expenses (i.e. mortgage or rent, utilities, car payments, etc…)
if you’re unable to work because of a total disability due to illness or injury

Plan Features

  • Elimination Period (waiting period): 14 days from date of Disability
  • Benefits Period: 6 and 12 months options are available
  • Benefit Amount: Choose an amount up to 60% of income ($1,000/month maximum)
  • Coverage Type: Of-the-Job injuries and Illnesses
  • Pre-existing Condition Limitation: Pre-existing conditions are covered after 12 months of coverage

Premier Worksite Benefits Customer Service

Call Center
(866) 463-8808, Option 4
(Monday – Friday 8am – 3pm cST)


*Guaranteed Acceptance available provided minimum participation is met.