Row of firefighters walking through flooded street

Other Trust Benefits

Basic Life and Accidental Death & Dismemberment (AD&D)

All active employees covered by an IAFF HWT medical plan are also enrolled in a $20,000 face value Life and AD&D benefit offered through Union Labor Life Insurance Company (ULLICO).

  • Be sure to complete and return a beneficiary designation form to the Trust Office. These forms are available on the IAFF HWT Online Portal, or you may request a form by emailing the Trust Office or calling the Trust Office at 1-866-265-5231.
  • If you do not complete a beneficiary designation, your benefit will be distributed based on the order of beneficiaries as stated in the coverage certificate. A copy of the certificate is available upon request from the Trust Office (see contact information above) or on the IAFF HWT online portal.

Health Advocacy and Medical Bill Saver

All active employees covered by a Trust Medical Plan have access to Health Advocacy and Medical Bill Saver through Aflac.

Dealing with healthcare can be complicated and stressful. Health Advocates can help you with a variety of needs including finding specialists, clarifying coverage, addressing claim issues, getting second opin- ions and even negotiating medical bills.