Postponed: Disability and Accident Insurance Open Enrollment

Read our statement from our Executive Director and Member Benefits Coordinator on postponing Disability and Accident Insurance due to the COVID-19 Crisis on our blog

Open Enrollment for 2021 Vision and Dental Insurance will take place from October 1-December 9, 2020

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.

Special enrollment is available for new workers at enrolled members and for new USFWC members year-round. Contact for more information.

Have questions about benefits? Email us at 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 for details and help in Spanish.
  • ¿Preguntas? Envie un correo a

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

How to enroll outside open enrollment for new USFWC members:

Workplaces may email 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 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.

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

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


Disability and Accident Insurance (coming 2021)

Coming soon: Short-Term Disability and Accident Insurance, Provided by Colonial Life

Short-term Disability Insurance

  • What is short-term disability insurance? Short-term disability insurance provides partial replacement of income in the event that an individual cannot work because of pregnancy/childbirth or because of an injury or illness that originated outside of the workplace (because injury or illness that originates within the workplace is typically covered by workers' compensation insurance*.)
    • *Coverage for illness or injury on the job is available at an additional cost for anyone without access to worker's compensation insurance
  • Why is it important to sign up now? Sometimes, the short-term disability insurance company can deny coverage for preexisting conditions; however, for those who sign up during the 2020 open enrollment period ONLY, no one can be disqualified, and coverage is guaranteed-issue.
  • For the first Open Enrollment ONLY all enrollees are guaranteed issue. This means:
    • Individuals with preexisting conditions that originated before the first day of coverage will be eligible to receive benefits for leave relating to those conditions after one year of enrollment
    • Individuals with conditions that originate after the first day of enrollment will be immediately eligible to receive benefits for disability leave relating to those conditions
    • Workers who are new to their workplaces and new USFWC members will be eligible for guaranteed issue (see above)
    • Workers who are not new to USFWC and existing USFWC members who wish to enroll or expand their benefits will NOT be guaranteed issue, and preexisting conditions may never be eligible For enrollment AFTER the first Open Enrollment (INCLUDING future Open Enrollment periods)
  • Who needs disability coverage?
    • Disability can affect any one of us at any time, and disability insurance ensures that, in the event you suddenly cannot work because of an eligible illness or injury, you still get part of your income for up to six months.
      • Typically, disability insurance does not include coverage for preexisting conditions; however, for our special 2020 open enrollment period, preexisting conditions will be eligible for coverage beginning one year after the coverage start date
    • This special 2020 enrollment period is particularly important for those who have chronic conditions that may eventually impact one’s ability to work, even if they do not right now.
    • While short term disability does not cover loss of income due to incidents that happen on the job, it is particularly useful for those whose jobs involve manual and/or strenuous labor, and whose ability to work may be more significantly impacted by illness or injury. For example, if you break your leg outside of work and you are a construction worker, your ability to do your job may be more impacted than if you break your leg outside of work and you work at a desk. However, disability cannot be predicted and can impact any person at any time in a variety of ways.
  • Who can sign up?
    • To access disability benefits, member organizations must pay a one-time annual fee. At that point, any worker who works over 20 hours per week may sign up directly with our broker.
  • Disability Coverage
    Provided by Colonial Life
    English / Spanish

Accident Insurance

  • What is accident insurance? Accident insurance offers payments to cover out-of-pocket costs related to experiencing an accident, such as ambulance costs, hospital copays, follow-up treatments, and lodging or equipment related to recuperation.
  • It can supplement medical insurance or provide stop-gap coverage for people ineligible for general health insurance
  • It applies to accidents that happen at work or outside of work.
  • Who can sign up?
    • To access accident benefits, member organizations must pay a one-time annual fee. At that point, any worker at that organization may sign up directly with our broker.
    • Workplaces are not required to pay a portion of the monthly accident premiums, but are encouraged to do so if possible.
  • Accident Coverage
    Provided by Colonial Life
    English / Spanish

*Don't see rates for your state posted here? Let us know at and we'll arrange them for you!



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