A.B.A. Info

Bulletin Dec. 12th 2011

NEW A.B.A. CLAIM FORMS

ACCIDENT BENEFIT ASSOCIATION
(ABA)

To All Boston Metro members and stewards:


Please discard any old A.B.A. claim forms you may have in your possession. There is a new "CLAIM FOR DISABILITY BENEFITS" form. This is in the form of a 4-page booklet, and it is the only one to be used from now on. Direct Deposit is also now available if you wish to have your claim payment deposited directly into your account.

All Boston Metro members are automatically covered for LOW OPTION (ABA Value Plan) in the Accident Benefit Association (ABA) – at no cost to you. Under the Low Option Plan, you are eligible to collect $12 per day (7 days a week) for injuries - on or off the job - due to an accident, which cause you to be out of work, for up to one year. You can also enroll in the HIGH OPTION (ABA Advantage) Plan - for an additional $1.40 per pay period. The High Option Plan pays you $24 per day.

A member may enroll his/her spouse in this benefit program - in either the Low Option/Value Plan or the High Option/Advantage Plan. The spouse's payment will be added to the member's payroll dues deduction. I would advise all members to put in for HIGH OPTION (Advantage Plan). It only costs you $1.40 per pay period and pays you $12 more per day than the Low Option (Value Plan).

There is also the Family Benefit Provision (Accidental Death Benefit) which is included with your ABA benefits - AT NO EXTRA COST to you. The Family Benefit Provision provides a $2,000 accidental death benefit for the spouse of an ABA member (provided the spouse is not already covered as an ABA member); and also a $2,000 accidental death benefit for all unmarried dependent children (up to and including the age of 18) of an ABA member.

In addition, the "ABA PLUS PLAN" is also available to Boston Metro members. You can increase your ACCIDENTAL DEATH BENEFITS coverage to a total of $50,000, $75,000, or $100,000 under this plan. Call the union office for additional information.

The filing of all A.B.A. claim forms, High Option forms, and ABA PLUS forms, should be done through the Boston Metro Local office. Send to my attention.

The "CLAIM FOR DISABILITY BENEFITS" form must be filed within ninety (90) days after the disability ceases or claimant returns to work, whichever date occurs first. In the case of anticipated prolonged disability, the injured member may make claim for partial payments, BUT NOT MORE OFTEN THAN EACH THIRTY (30) DAYS. If you have any questions regarding this benefit, call me at (617)-423-2798.

Bob Dempsey, Boston Local A.B.A. Rep.


"A.B.A. PLANS"


IF YOU ARE A MEMBER OF THE BOSTON METRO LOCAL A.P.W.U.,

YOU AUTOMATICALLY BELONG TO THE
ACCIDENT BENEFIT ASSOCIATION (ABA)

Check out the A.B.A website!


A.B.A. VALUE PLAN


As a member of the American Postal Workers Union, you are covered for LOW OPTION (the ABA Value Plan) in the Accident Benefit Association (ABA) -- AT NO COST TO YOU; and you are eligible to collect $12 per day (7 days a week) for injuries due to an accident, which cause you to be out of work, for up to one year.


A.B.A. ADVANTAGE PLAN


You can also be covered for HIGH OPTION (the ABA Advantage Plan) for an additional $1.40 per pay period, and the High Option pays you $24 per day. A member may enroll his/her spouse in this benefit program – under either the Value Plan or the Advantage Plan (the spouse's payment will be added to the member's payroll dues deduction.) You can obtain forms to enroll a spouse or change to High Option (the ABA Advantage Plan) by calling the union office.


I would advise all members to put in for HIGH OPTION (the Advantage Plan). Bi-weekly dues deductions (which include the regular dues, $22.81, plus ABA amount) are as follows:


                                                                                 Dues Deduction
MEMBER - High Option ABA    (add $1.40)             -  $24.21
MEMBER & SPOUSE - High Option (add $3.40)       - $26.21
MEMBER & SPOUSE - Low Option (add $ .60)        -  $23.41
MEMBER/High - SPOUSE/Low   (add $2.00)           - $24.81

FAMILY BENEFIT PROVISION


The FAMILY BENEFIT PROVISION is also included with your ABA benefits - AT NO EXTRA COST. The Family Benefit Provision provides a $2,000 accidental death benefit for the spouse of an ABA member (provided the spouse is not already covered as an ABA member); and also a $2,000 accidental death benefit for all unmarried dependent children (up to and including the age of 18) of an ABA member.


The filing of all A.B.A. claim forms, the High Option/Advantage Plan and "A.B.A. PLUS PLAN" forms, should be done through the BOSTON METRO LOCAL office. Send to the attention of Bob Dempsey.


A.B.A. PLUS PLAN*

As a member of the A.B.A., you can now increase your ACCIDENTAL DEATH BENEFITS COVERAGE to a total of $50,000, $75,000, or $100,000, under the  "A.B.A. PLUS PLAN".

Coverage                     You Pay
$50,000       -        75¢  per Pay Period
$75,000       -     $1.13  per Pay Period
$100,000     -     $1.10   per Pay Period


You can also enroll your spouse in the ABA PLUS PLAN if he/she is already a member of the ABA through your dues deduction. They are eligible for a $50,000 Accidental Death Benefit at a cost of 75Ë per Pay Period. If you have any questions regarding this benefit, or wish to receive forms, call the union office at (617)-423-2798.

 


ACCIDENT BENEFIT ASSOCIATION (ABA) A UNION BENEFIT

As a member of the American Postal Workers Union, you are covered for LOW OPTION (the ABA Value Plan) in the Accident Benefit Association (ABA) -- at no cost to you; and are eligible to collect $12 per day (7 days a week) for injuries due to an accident - on or off the job, for up to one year. You can also be covered for HIGH OPTION (the ABA Advantage Plan) for an additional $1.40 per pay period, and HIGH OPTION pays you $24 per day.

A member may enroll his/her spouse in this benefit program (the spouse's payment will be added to the member's payroll dues deduction). You can obtain the form to enroll a spouse, change to HIGH OPTION, or designate your beneficiary, by calling the union office.

Injury due to an accident is defined as a break of the skin and flesh or other condition of the body. It must be identifiable as to time and place of occurrence and body member or function of the body affected. It must be the result of a specific event or incident. Total loss of time must begin within 60 days after the accident happens that caused the disability.

The daily benefit will begin on the day disability first arises. It shall continue for such period as he/she cannot perform service as a Postal employee or follow any other employment. All members are reminded that the A.B.A. insurance contract does not pay on disabilities caused by lifting, stress, strain or over-exertion.

I would advise all members to put in for HIGH OPTION (Advantage Plan). It only costs you $1.40 per pay period and pays you $12 more per day than the low option if you have an accident. Bi-weekly dues deductions -- which includes regular dues of $22.81 & ABA amount below -- are as follows:

                                                         Dues

Deduction

MEMBER - High Option ABA      (add $1.40)    -       $24.21

MEMBER & SPOUSE - High Option (add $3.40)  -   $26.21

MEMBER & SPOUSE - Low Option (add .60)    -      $23.41

MEMBER/High & SPOUSE/Low (add $2.00)      -      $24.81

A Family Benefit Provision is included with your ABA benefits - AT NO EXTRA COST to you. The Family Benefit Provision provides a $2,000 accidental death benefit for the spouse of an ABA member (provided the spouse is not already covered as an ABA member); and also a $2,000 accidental death benefit for all unmarried dependent children (up to and including the age of 18) of an ABA member.

Under the "ABA PLUS PLAN" you can increase your ACCIDENTAL DEATH BENEFIT coverage to a total of $50,000, $75,000, or $100,000 under this plan. For 75¢ per Pay Period, you can increase your coverage to $50,000; for $1.13 per Pay Period, you can increase your coverage to $75,000; and for $1.50, you can increase your coverage to $100,000.

Also, if your spouse is member of A.B.A. through your payroll deductions, they can also enroll in the ABA PLUS PLAN (at a cost of 75¢ per Pay Period) but are limited to a $50,000 Accidental Death Benefit coverage.

The filing of all A.B.A. APPLICATION FOR BENEFITS claim forms, High Option request forms, and ABA PLUS PLAN forms, should be done through the Boston Metro Local office. Send to the attention of Bob Dempsey, V.P./Treasurer.

The "APPLICATION FOR BENEFITS" form must be filed within ninety (90) days after the disability ceases or claimant returns to work, whichever date occurs first. In the case of anticipated prolonged disability, the injured member may make claim for partial payments, BUT NOT MORE OFTEN THAN EACH THIRTY (30) DAYS. If you have any questions regarding this benefit or wish to receive a copy of the A.B.A. insurance contract, call Bob at (617)-423-2798.

FILING A.B.A. CLAIM

FORMS

Filing ABA claims should be done through the Local Union office - whenever you have an accident - on or off the job - OR if your spouse is enrolled and has an accident. All completed forms should be sent to my attention for review and signature. I will then forward them to the A.B.A. office. There is one A.B.A. claim form, the APPLICATION FOR BENEFITS form.

You can notify us and apply for benefits up to ninety (90) days after the disability ceases or you return to work, whichever date occurs first. Disability must take place within 60 days of the date of the accident. In case of anticipated prolonged disability, the injured member may make claim for partial payments, but not more often than each thirty (30) days. Recurring disability benefits are payable if recurrence takes place within 52 weeks of original injury.

The APPLICATION FOR BENEFITS form must be filled in on the front side by you or your spouse, answering every question or noting "N.A." (Not Applicable). Be sure to explain where necessary. Have your physician complete the backside, documenting your injury, treatment of same, and duration of disability.  (Also, postal employees must submit 3971s, 3972, or TAC rings, with their application.)   Failure to comply with any of these regulations could delay your payment. If you have any questions on filing a claim, call Bob Dempsey at (617)-423-2798.

Members are reminded that *injuries that result from an accident caused by disease, physical defect or bodily infirmity, are not covered under the Accident Benefit plan. For example: if you have a heart attack or faint FIRST, then fall and break your arm, you would not be covered. If you fall or injure yourself in an accident, & then suffer a heart attack, you would be covered.

* Injury due to an accident is defined as a break of the skin and flesh or other condition of the body. It must be identifiable as to time and place of occurrence and body member or function of the body affected. It must be the result of a specific event or incident.

PLEASE NOTE: As described in Section 4.C.2. Exceptions and Reductions, (pg. 51) of the ABA contract, "Benefits for injury due to an accident to the spine and its muscle system cannot exceed a lifetime total of 90 days. Benefits for disabilities caused as described above resulting in herniated or ruptured discs, the lifetime total cannot exceed 180 days.

Cases of traumatic fracture, parted or severed spinal cords shall not be subject to these limitations. (Section 4.C.1. - pg. 50) Disability or death caused by herniorrhaphy on inguinal and femoral type hernias ONLY shall be compensated. Benefits shall be $400 for low option, and $600 for high option for herniorrhaphy, & shall be paid in all cases except recurrent hernia; provided further that repair be made within 52 weeks after diagnosis & recommendation for surgery by physician." (See Contract for other exceptions.)

ALSO, THE A.B.A. INSURANCE CONTRACT DOES NOT PAY ON DISABILITIES CAUSED BY LIFTING, STRESS, STRAIN OR OVER-EXERTION.

PLEASE CALL THE BOSTON METRO UNION OFFICE AT (617)-423-2798 TO REQUEST CLAIM FORMS OR FORMS TO CHANGE TO HIGHER OPTION FOR YOU OR YOUR SPOUSE, OR FORM TO JOIN THE "ABA PLUS PLAN".

PLEASE NOTE:   All claim forms and changes in membership for the A.B.A. should be sent to the local union office for processing.  Do not send directly to the New Hampshire office.   Mail to:  Bob Dempsey, Boston Metro A.P.W.U., 137 South Street, Boston, MA 02111.


ACCIDENT BENEFIT ASSOCIATION -  WHEN YOU RETIRE

If you are a member of the American Postal Workers Accident Benefit Plan, YOU CAN CONTINUE YOUR MEMBERSHIP AFTER YOU RETIRE.

You will receive a letter from the A.B.A. advising you of the procedure to follow in order to continue your coverage. DO NOT LOSE THIS VALUABLE BENEFIT!

For more information, contact the Accident Benefit Plan at P. O. Box 120, Rochester, New Hampshire 03866-0120.   Phone #:  1-603-330-0282.