CLOSED

The 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.

IMPORTANT DOCUMENTS

Please read before applying!

CWU Group S.I. Cover - Key Facts

CWU Group S.I. Cover - Plan Booklet

CWU Group Life Cover - Key Facts

CWU Group Life Cover - Plan Booklet

Halligan Insurances Terms of Business

Irish Life 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:

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 55-65	€15,000 SIC	€3.94 per week
Children's Benefit Age 0 to 24	€20,000 SIC €10,000 Life Cover*	Included

*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).

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>>> 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.

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*

THE OBJECTIVE

The 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.

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

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