GUL Auto-Enrollment of Flight Attendants Returning from LOA/Furlough
January 4, 2019
MEC Benefits Committee
Dissemination of inaccurate information on the reasons for and the process by which Flight Attendants are auto-enrolled in Group Universal Life Coverage (GUL), administered by Securian, when returning from leaves of absence, furloughs or reinstatement from termination continues despite our best efforts to educate the Membership to this contractual benefit.
Auto-enrollment in this coverage occurs for Flight Attendants returning from Leaves of Absence who did not elect to maintain coverage while on Leave or who had not previously elected this coverage. These individuals are enrolled in Group Universal Life Coverage under the same conditions as a new hire Flight Attendant. With no requirement to provide Evidence of Insurability (EOI), Flight Attendants are automatically provided coverage at four (4) times their annual salary and $30,000 coverage for a spouse/domestic partner. Additionally, if the Flight Attendant reduced her/his coverage below the default coverage limits, the auto-enrollment feature will “bump up” the coverage back up to four times the annual salary for the employee and $30,000 for the spouse or domestic partner.
In every instance when coverage is reinstated through the auto-enrollment process, an enrollment package is mailed from Securian’s office the following day directly to the employee at her/his address of record with United Airlines. The package includes a notice advising that auto-enrollment has occurred and the coverage that is being provided along with instructions on how to go about cancelling coverage if it is not wanted.
This auto-enrollment feature was negotiated in the interest of and for the protection of our Members. The auto-enrollment feature along with no requirement to provide Evidence of Insurability ensures that our Members who may have received an adverse medical determination while out on leave are able to provide some level of financial security for their family. Along with this auto-enrollment feature, AFA negotiated a 45 day period following auto-enrollment during which the employee CAN CANCEL COVERAGE WITHOUT PENALTY and a guaranteed return of any premiums paid if cancelled during this period.
In the event the Flight Attendant does not want this default GUL coverage, or wants to reduce it, they must respond to the enrollment kit received from Securian during the 45 day window. To cancel or reduce coverage, a Flight Attendant can either go online to the Securian website (access through Flying Together under Employee Services, then YBR) and following the prompts. Alternatively, they may do so by calling Securian at 1-866-887-1043 and completing the required cancellation form. Until the cancellation form is processed by Securian, payroll deductions continue.
Note: There is no refund for premiums paid until the cancellation of coverage is processed and a cancellation certificate, signed by the Flight Attendant, is returned and received by Securian.
Flight Attendants out on leave status are encouraged to read all content concerning their leave included in the company’s published Leave of Absence information packet as well as the enrollment information to ensure they are familiar with their rights under the auto-enrollment feature.
If you have additional questions, please contact your Local Council Office.