2019 Open Enrollment will be open from October 15 - December 11

The USFWC is dedicated to building health equity and mobilizing our membership to create better, more affordable options for health care.

We currently offer dental and vision benefits, and are piloting general health insurance coverage in certain states where it is feasible. In the future, we hope to offer additional health benefits, a USFWC-sponsored retirement plan, and reduced rates on business insurance.

Have questions about benefits? Email us at benefits@usworker.coop for more information.

Below are info sheets with current rates and admin fees.

  • Health-related benefits overview
    English / Spanish (coming soon)
    Includes information about vision, dental, general health insurance, disability, and accident insurance, as well as USFWC admin fees.
  • 2019 - 2020 Dental Coverage
    Provided by Ameritas (previously United Concordia, we moved our services to United Concordia as of Jan 1, 2019).
    English / Spanish
  • 2020 - 2021 Vision Coverage
    Provided by EyeMed
    English / Spanish
  • 2020 General Health Insurance Coverage
    If you are interested in general health insurance coverage, this link will begin to give you a picture of options.
    Click here for a rate specific to your organization.
    Options are different state-to-state, so please email us at benefits@usworker.coop for details and help in Spanish.
    ¿Preguntas? Envie un correo a benefits@usworker.coop
  • 2020 Disability Coverage
    Provided by Colonial Life
    English / Spanish
  • 2020 Accident Coverage
    Provided by Colonial Life
    English / Spanish

Click here to download the Health-Related Benefits Open Enrollment checklist for your workplace.


How to enroll:

Between October 15 - December 11, 2019, Workplaces may email benefits@usworker.coop to enroll as an organization. This includes organizations of all classes of USFWC membership. Associate members must pay a minimum of $500 per year in membership dues to qualify.

Here's how it works:

  1. Email us at benefits@usworker.coop to let us know you're interested in enrolling.
    • Employees of organizations that are already enrolled who did not opt in last year may fill out this form to enroll.
  2. We will send you an Enrollment Roster to list the workers to be enrolled, along with a contract for the services that your organization is enrolling in.
  3. Each employee will fill out a secure form with their personal information
  4. We will send a confirmation of enrollment and work with you to ensure everyone has enrolled by Dec 5.

After you're enrolled:

  • You will be billed from the USFWC for dental and vision separately at the beginning of the month based on the amount of employees enrolled on the 1st of that month. e.g November 1st, you would be billed for November coverage.
  • For general health, disability, and accident insurance, you will be billed annually according to the rate sheet listed above.

Your vision and dental rates as well as the USFWC admin rates will be set through December 31st, 2020.


Here's a video reviewing our dental and vision plans: