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AUPE WELFARE SCHEMES |
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Regulations |
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THE NTUC GROUP INSURANCE FOR TRADE UNION MEMBERS
(NTUC GIFT) |
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Schedule 1 |
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Regulation |
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Introduction |
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1 |
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Eligibility |
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2 |
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Additional Coverage for Union Leaders |
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3 |
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Insurance Certificate |
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4 |
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Benefit of the Scheme |
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5 |
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Member dies without leaving will |
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6 |
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How to make a Claim |
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7 |
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Closing Date |
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8 |
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Documents to Submit for Death claims |
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9 |
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Documents to submit for Permanent & Total Disability Claims |
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10 |
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More Details |
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11 |
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1.1 |
The NTUC Group Insurance for Trade Union Members (hereinafter referred to as the "NTUC GIFT") is a group of insurance that covers death and permanent & total disability due to natural causes and accidents. |
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Introduction |
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1.2 |
AUPE is participating in the Scheme for the benefit of its members. AUPE pays a premium for its members. Part of the premium is also paid by the NTUC. |
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1.3 |
The terms and conditions of the NTUC GIFT may be changed from time to time as may be decided by the NTUC. |
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2.1 |
NTUC GIFT is for members of participating unions/associations affiliated to National Trades Union Congress (NTUC). |
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Eligibility |
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2.2 |
To be eligible for coverage, members must be below 65 years of age as at 1 May of the policy year and must have at least 6 months of continuous union membership. |
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2.3 |
New members must have at least 6 months of continuous membership to be eligible for coverage. To be considered to have continuous membership, members who leave AUPE must join another union/ association, or vice versa, within a period of 3 months and make all payments in arrears, if any. |
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2.4 |
Members must be actively and physically at work. Members who are on paid medical leave and/or on no-pay leave shall be deemed to be not actively at work. Members who are not actively and physically at work shall not be eligible until they return to active service and are medically certified to be in good health. |
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2.5 |
"Members" refers to ordinary, ordinary (general) members and associate members of AUPE. In the case of associate member, they shall have to pay the same subscription rate as ordinary members in order to benefit from the NTUC GIFT. |
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3.1 |
Union leaders who are registered with Registry of Trade Unions will receive double coverage. |
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Additional
Coverage for
Union Leaders |
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4.1 |
As the policy is a group insurance, no individual member will be issued with a Certificate of Insurance. The Master Policy will be kept by NTUC. The information contained herein is not a contract of insurance. |
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Insurance
Certificate |
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5.1 |
The benefits payable is as follows: |
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Benefit of the
Scheme |
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Description
(Note:"PTD" means Permanent and Total Disability) |
Less than 10 years of membership |
10 or more years of membership |
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Death or PTD of member due to natural causes (24 hours) or accidents (during working hours) |
$4,500 |
$5,500 |
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Death or PTD of member due to accidents (outside working hours)
- Please refer to Table of Benefits |
$20,000 |
$30,000 |
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The aggregate of all payout per member shall not exceed |
$20,000 |
$30,000 |
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Death or PTD of member's spouse due to all causes |
$250 |
$500 |
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5.2 |
The benefits for Death or Permanent Disability resulting from accidents outside working hours are as follows: |
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Table of Benefits |
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Description |
Less than 10 years of membership |
10 or more years of membership |
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Death |
$20,000 |
$30,000 |
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Permanent and Total Disability |
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(a) |
Loss of two or more limbs |
$20,000 |
$30,000 |
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(b) |
Total loss of sight of both eyes |
$20,000 |
$30,000 |
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(c) |
Loss of one limb and total loss of all sight of one eye |
$20,000 |
$30,000 |
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(d) |
Total Paralysis |
$20,000 |
$30,000 |
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(e) |
Injuries resulting in being permanently bedridden |
$20,000 |
$30,000 |
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Permanent and Partial Disability |
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(a) |
Loss of one limb |
$7,750 |
$12,250 |
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(b) |
Total loss of all sight of one eye |
$7,750 |
$12,250 |
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The aggregate of all payout shall not exceed |
$20,000 |
$30,000 |
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5.3 |
A member who suffers from partial disability due to an accident outside working hours, will only be paid a percentage of the benefit. Should a second mishap occurs, he will only be eligible for the remaining percentage of the payout. |
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6.1 |
In the event that the member dies without leaving a will, the cheque will be made payable to the next-of-kin of the member in the order of spouse, children, parent. However, NTUC and AUPE reserved the right to determine the next-of-kin eligible for the claim. |
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Member dies
without leaving
will |
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7.1 |
You, or your next-of-kin may contact your branch union representatives or the union headquarters at "Wisma AUPE", 295 Upper Paya Lebar Road, Singapore 534929 or the Branch Office at 73 Bras Basah Road, Singapore 189556 for the Claim Forms. |
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How to make a
Claim |
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8.1 |
NTUC GIFT claim form must be submitted within 30 days of member's death or permanent & total disablement. |
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Closing date for
Claim |
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9.1 |
The documents to submit are: |
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Documents to
submit for
Death claims |
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(a) |
Claim Form and Death Certificate; |
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(b) |
Autopsy Report (for death resulting from an accident); and |
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(c) |
Marriage Certificate (if claiming for death of spouse). |
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10.1 |
The documents to submit are: |
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Documents to
submit for
Permanent &
Total Disability
claims |
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(a) |
Claim Form and Medical Report; |
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(b) |
Police report of Accident (if available) and a signed Clinical Abstract Form; and |
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(c) |
Marriage Certificate (if claiming for spouse). |
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11.1 |
You can call any of the following for more details: |
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For More
Details |
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(a) |
NTUC Income |
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6336-3322 |
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(b) |
NTUC Customer Service Centre |
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6213-8008 |
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(c) |
Amalgamated Union of Public Employees |
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6280-8033/
6336-5440 |
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