CLOSEDThe CWU Specified Illness and Life Insurance Schemes have been available to join since June 2020 but are now closed for new entrants from 11th September 2020. However, newly enrolled CWU members and (as appropriate) their spouses/partners/ children can join. The foregoing option must be availed of within 4 weeks of becoming a CWU Union member. The General Secretary will advise the membership when these schemes will re-open. SIC IMPORTANT DOCUMENTSPlease read before applying!CWU Group S.I. Cover - Key FactsCWU Group S.I. Cover - Plan BookletIrish Life Terms of BusinessHalligan Insurances Terms of Business>>> Click to Join CWU SIC <<<SPECIFIED ILLNESS COVER FOR YOU AND YOUR FAMILY* Easy Entry with 36 illnesses covered The tax-free benefit and costs under this plan are as follows:CWU SIC Cover Plan – Table Cover AGE OF MEMBER & SPOUSE FULL BENEFIT COST FOR MEMBER & SPOUSE Age 18-34 €55,000 SIC €2.00 per week Age 35-44 €45,000 SIC €3.94 per week Age 45-54 €20,000 SIC €3.94 per week Age 55 to 66 €15,000 SIC €3.94 per week Children’s benefit aged 30 days to 25 years €20,000 SIC €10,000 Life Cover * Included * Children’s Life Cover is only available under this plans for member who do not have Life Cover under the CWU Life Plan. Please see scheme explanatory booklet for full details. * All dependent children are insured from birth to age 24 under either scheme at no additional cost. Maximum life insurance cover for children is €10,000, if in both schemes.WHAT IS SPECIFIED ILLNESS COVER?Specified Illness Cover (SIC) pays a tax-free lump sum if you suffer from one of the 36 common conditions covered, the most common being malignant cancer, heart attack and stroke.WHY DO I NEED SPECIFIED ILLNESS COVER?Serious illness can strike at any age and you could face increased medical bills with your income reduced because you can't do your normal work. Statistics show: • you are four times more likely to suffer one of the conditions covered under this scheme before age 66 than to die. • The most common illnesses are malignant cancer, heart-related illnesses (diagnosed) and stroke (permanent symptoms).LIFE IMPORTANT DOCUMENTSPlease read before applying!CWU Group Life Cover - Key FactsCWU Group Life Cover - Plan BookletIrish Life Terms of BusinessHalligan Insurances Terms of Business>>> Click to Join Member Life <<<>>> Click to Join Partner Life <<<LIFE COVER POLICY FOR YOU AND YOUR FAMILY*The following table outlines the benefits payable at death, that are applicable to each In-Benefit Member, Spouse/Civil Partner and children.CWU Life Cover Plan – Table 1 AGE CWU AVC LIFE ASSURANCE PLAN MEMBER (EMPLOYED) SPOUSE/CIVIL PARTNER 18-34 €100,000 €100,000 35-44 €100,000 €100,000 45-54 €85,000 €75,000 55-64 €75,000 €65,000 Children are insured from Birth to age 24 for €10,000* CWU Life Cover Plan – Table 2 AGE BAND WEEKLY PREMIUM AGE CWU AVC LIFE ASSURANCE PLAN MEMBER (EMPLOYED) SPOUSE/CIVIL PARTNER 18-34 €2.00 €1.00 35-64 €3.89 €3.46 THE OBJECTIVEThe objective of the Life Cover Plan is to provide peace of mind and value for CWU members. The benefits and premiums are designed to make the plans affordable for all. The premiums can be deducted from your salary or by direct debit.WHAT HAPPENS WHEN YOU RETIRE?You can choose to maintain cover for you and, if applicable, for your spouse up to the age of 80, once the following conditions are met: • you join the Retired Members Section of the CWU • you elect to maintain cover within 3 months of retiring*Tax relief of 20% or 40% applies to premiums for in-Benefit Members reducing costs by up to €80.91 each year. *Cover includes you, your partner and any dependent children (age 0-24) at no additional cost.
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