AFSCME Miami - Dade County Locals 3292, 1542 & 199 + boston mutual

Simple Steps, Expert Support.

Let’s make your insurance enrollment simple. Everything you need to know is listed below.

Let’s Walk Through Your Choices

Your employer has selected these Boston Mutual insurance options with you in mind. We've broken each one down to help you understand what's best for you and your family.

Disability Insurance

Accident Insurance

Critical Illness

Whole Life Insurance

Disability Insurance

Your paycheck keeps your life running. It pays for your home, car, and everything your family needs. Disability insurance protects your income if you can't work due to an injury or illness, giving you a set amount of money to help cover everyday expenses when you need it most.

Resources

Disability Insurance Brochure
Disability Insurance Brochure - Spanish

Resources

Disability Insurance Brochure
Disability Insurance Brochure - Spanish

How It Works

When you can’t work, disability insurance helps keep your family’s life on track. Here’s a few examples of what you can use your disability payments for:

Regular monthly bills like your mortgage or rent
Daily expenses like groceries and utilities
Car payments and insurance
Your children’s needs like school supplies and activities
Healthcare costs while you recover

Your representative can work with you to decide how much coverage you need and what amount fits your budget. (Note: Larger amounts may need special approval.)

How It Works

When you can’t work, disability insurance helps keep your family’s life on track. Here’s a few examples of what you can use your disability payments for:

Regular monthly bills like your mortgage or rent
Daily expenses like groceries and utilities
Car payments and insurance
Your children’s needs like school supplies and activities
Healthcare costs while you recover

Your representative can work with you to decide how much coverage you need and what amount fits your budget. (Note: Larger amounts may need special approval.)

Other Helpful Information

Guaranteed Rates – Your monthly cost stays the same over time. No surprise increases as you get older.
Worldwide Protection – Your coverage goes where you go, protecting you no matter where you are.
Reliable Income Protection – Get regular payments to replace part of your lost income while you focus on recovery.

Other Helpful Information

Guaranteed Rates – Your monthly cost stays the same over time. No surprise increases as you get older.
Worldwide Protection – Your coverage goes where you go, protecting you no matter where you are.
Reliable Income Protection – Get regular payments to replace part of your lost income while you focus on recovery.

Accident Insurance

Life can surprise us sometimes. When accidents happen, having extra money helps make things easier. If you get hurt, this plan gives you cash to help with expenses - cash when you need it most.

Resources

Accident Insurance Brochure
Accident Insurance Brochure - Spanish

Resources

Accident Insurance Brochure
Accident Insurance Brochure - Spanish

How It Works

Accident insurance will help when the unexpected happens to you or your family member. Regular health insurance doesn’t cover all expenses, so Accident insurance gives you extra money for things like:

Out-of-pocket costs for medical appointments
Ambulance rides
Emergency room visits
Recuperation needs like physical therapy
Urgent dental work

You Decide How to Use the Money – The money from a claim is given directly to you so you can use it for any costs.

Your coverage starts protecting you as soon as you enroll. Once you lock in your premium rate, your rate stays the same for life as long as you keep up with payments.

How It Works

Out-of-pocket costs for medical appointments
Ambulance rides
Emergency room visits
Recuperation needs like physical therapy
Urgent dental work

You Decide How to Use the Money – The money from a claim is given directly to you so you can use it for any costs.

Your coverage starts protecting you as soon as you enroll. Once you lock in your premium rate, your rate stays the same for life as long as you keep up with payments.

How Accident Insurance Takes Care of Your Family

Cover Your Whole Family – You can choose to cover yourself, and your spouse and children – all with one application.

How Accident Insurance Takes Care of Your Family

Cover Your Whole Family – You can choose to cover yourself, and your spouse and children – all with one application.

Other Helpful Information

Take It With You – Change jobs? No problem. Your insurance policy stays with you and at the same premium. Just make your payments directly to us.

Other Helpful Information

Take It With You – Change jobs? No problem. Your insurance policy stays with you and at the same premium. Just make your payments directly to us.

Critical Illness

When serious health problems happen, you need to focus on getting better, not worrying about money. Critical Illness insurance gives you a lump sum of cash right away if you're diagnosed with a medical condition that’s covered by the policy, whether or not you have health insurance. This helps you pay for whatever you need during this important time.

Resources

Critical Illness Brochure
Critical Illness Brochure - Spanish

Resources

Critical Illness Brochure
Critical Illness Brochure - Spanish

How It Works

We know facing a serious illness can turn your family’s world upside down. Here’s what you can use the money for:

Everyday bills like rent, groceries, and utilities while you take time off work
Travel costs to see specialists or get treatment
Extra help at home during recovery, like childcare or meal delivery
Medical costs not covered by your health insurance, such as deductibles

If you get diagnosed with a covered illness, we send cash straight to you. The money is yours to use as you choose – it won’t affect your other insurance.

Your representative can work with you to decide how much coverage you need and what amount fits your budget. (Note: Larger amounts may need special approval.)

Your coverage starts protecting you as soon as you enroll. Once you lock in your premium rate, your coverage and your rate stay the same for life as long as you keep up with payments.

How It Works

We know facing a serious illness can turn your family’s world upside down. Here’s what you can use the money for:

Everyday bills like rent, groceries, and utilities while you take time off work
Travel costs to see specialists or get treatment
Extra help at home during recovery, like childcare or meal delivery
Medical costs not covered by your health insurance, such as deductibles

If you get diagnosed with a covered illness, we send cash straight to you. The money is yours to use as you choose – it won’t affect your other insurance.

Your representative can work with you to decide how much coverage you need and what amount fits your budget. (Note: Larger amounts may need special approval.)

Your coverage starts protecting you as soon as you enroll. Once you lock in your premium rate, your coverage and your rate stay the same for life as long as you keep up with payments.

Getting Critical Illness Coverage Is Simple

You pick how much insurance you want through your job – choose what works for your budget.
If you get diagnosed with a covered illness, we send cash straight to you.
You can use the money any way you need, and it won’t affect your other insurance.

Getting Critical Illness Coverage Is Simple

You pick how much insurance you want through your job – choose what works for your budget.
If you get diagnosed with a covered illness, we send cash straight to you.
You can use the money any way you need, and it won’t affect your other insurance.

Other Helpful Information

Cover Your Whole Family – You can choose to cover yourself, your spouse, and children all with one application.
Take It With You – Change jobs? No problem. Your insurance policy stays with you and at the same premium. Just make your payments directly to us.

Other Helpful Information

Cover Your Whole Family – You can choose to cover yourself, your spouse, and children all with one application.
Take It With You – Change jobs? No problem. Your insurance policy stays with you and at the same premium. Just make your payments directly to us.

Whole Life Insurance

With flexible coverage options, guaranteed premiums, and cash value growth, you can customize a life insurance plan that fits your needs and budget.

Resources

Whole Life Insurance Brochure
Whole Life Insurance Brochure - Spanish

Resources

Whole Life Insurance Brochure
Whole Life Insurance Brochure - Spanish

How It Works

Whole life insurance provides your beneficiaries with money that can help keep your family financially secure when you pass away, whether your family will need money for things like bills, funeral expenses, daily expenses, or mortgage payments when you’re gone. Plus, it has cash value that grows over time, so you can borrow from it if needed.

Your representative can work with you to decide how much coverage you need and what amount fits your budget. (Note: Larger amounts may need special approval.)

Your coverage starts protecting you as soon as you enroll. Once you lock in your premium rate, your coverage and your rate stay the same for life as long as you keep up with payments.

How It Works

Your representative can work with you to decide how much coverage you need and what amount fits your budget. (Note: Larger amounts may need special approval.)

Your coverage starts protecting you as soon as you enroll. Once you lock in your premium rate, your coverage and your rate stay the same for life as long as you keep up with payments.

How Life Insurance Takes Care of Your Family

Signing up for life insurance means there will be cash available for your loved ones to cover things like mortgage payments and other expenses should something happen. Just let us know who you’d like to receive the payment if something happens to you.

The money can help cover:

Everyday expenses like the mortgage, bills, and keeping the household running
Planning a special farewell that celebrates your life and legacy
Providing long-term financial security for the people who matter most to you

How Life Insurance Takes Care of Your Family

The money can help cover:

Everyday expenses like the mortgage, bills, and keeping the household running
Planning a special farewell that celebrates your life and legacy
Providing long-term financial security for the people who matter most to you

Other Helpful Information

Cover Your Whole Family – You do not need to elect coverage for yourself to cover your family. You can choose to cover yourself, and/or your spouse, children, and grandchildren – all with one application.
Take It With You – Change jobs? No problem. Your insurance policy stays with you and at the same premium. Just make your payments directly to us.
Guaranteed Cash Value – Did you know your policy also builds cash value? As long as you make your regular payments, your policy builds up cash you can pull from anytime. The cash value you see today is guaranteed to be there when you turn 65, as long as you maintain your coverage.*
Room To Grow – Think you might need more coverage later? You can start with a basic policy now and increase it at any future enrollment.

*The actual cash value may be decreased by loans or withdrawals.

Other Helpful Information

Cover Your Whole Family – You do not need to elect coverage for yourself to cover your family. You can choose to cover yourself, and/or your spouse, children, and grandchildren – all with one application.
Take It With You – Change jobs? No problem. Your insurance policy stays with you and at the same premium. Just make your payments directly to us.
Guaranteed Cash Value – Did you know your policy also builds cash value? As long as you make your regular payments, your policy builds up cash you can pull from anytime. The cash value you see today is guaranteed to be there when you turn 65, as long as you maintain your coverage.*
Room To Grow – Think you might need more coverage later? You can start with a basic policy now and increase it at any future enrollment.

*The actual cash value may be decreased by loans or withdrawals.

Take the Next Step

Whether you're ready to enroll or just have questions, your company’s Boston Mutual Representative is ready to help.

About Boston Mutual Life

At Boston Mutual Life Insurance Company, we’ve got you covered.

We provide access to insurance solutions designed to protect our customers, their future, and the people they care about. As a trusted mutual insurer putting customers at the center of what we do, we deliver real solutions to your members and their families.

Life insurance, and other coverage like accident, disability, or critical illness insurance can seem confusing – but we’re here to help figure out which options make the most sense for your members’ needs. As a specialist in group life insurance and voluntary benefits for union and labor members, we understand your members, your budget, and your unique needs.

For over 135 years, we’ve supported working Americans, including union members, municipal and public sector employees, first responders, teachers, small businesses, and local communities. We remain committed to serving our customers, helping bring peace of mind to those who rely on us.