Employee Benefit Systems Inc

The Machinists Custom Choices Worksite Benefits Program is a suite of supplemental insurance products that were designed to fill the gaps of the plans provided through the Collective Bargaining Agreement. Members select the product(s) and benefit amounts that meet their family's needs. Policies issued through a member's participation in the program pay benefits directly to the insured regardless of any benefits the member may receive from employer sponsored plans. Since its inception, the program has allowed members to provide more financial security for themselves and their families through a series of supplemental insurance products offered at the worksite through payroll deduction. The Life, Catastrophic Loss rider, Critical Illness, Cancer, Accident, Short and Long-term Disability Income, and Hospital Indemnity policies were custom designed for Union members and negotiated with features and values based on the needs of the Union population. In addition, the EBS Retirement Division assists those retiring and retired Union members with access to group Medicare and retiree Dental coverages. The Machinists Custom Choices Worksite Benefits program has offered Union represented employees additional financial security since 1997. -No member is denied coverage! All insurance products are guaranteed issue for members during their initial year of eligibility. -Benefits paid from these policies do not coordinate with the company provided benefits and are paid in addition to any benefits provided by the company's plans. -All policies, except disability, are fully portable with no change in benefits or cost. -Available to family members. -Individually owned – lifetime benefits. -Strike Waiver of Premium provision on most plans. -Premiums collected through payroll deduction.