Protect Your Paycheck: Long-Term Disability and Accident Protection with LU 663
Working in heavy construction requires grit, strength, and sharp focus. Whether you are pouring concrete or excavating utility trenches in Kansas City or Springfield, your physical ability is your single greatest income-generating asset. But what happens if an unexpected off-the-job injury or serious illness keeps you off the site for months? In a non-union role, an unexpected injury can mean zero income and financial ruin. At Laborers’ Local 663, we ensure our members never have to face life’s uncertainties alone. Through comprehensive accident protection and long-term disability safeguards built into our fringe benefit structure, we build a safety net that protects your household when you need it most.
The Union Safety Net: Coverage Beyond the Job Site
While workers’ compensation covers injuries that happen on duty, everyday life brings unpredictable accidents and medical hardships. A slip at home, a automotive accident, or a severe medical diagnosis can instantly prevent you from performing physical labor.
At Local 663, our robust health and welfare trust funds extend protection far beyond basic medical bills:
- Short & Long-Term Disability Protection: If a covered illness or non-work injury prevents you from working, disability benefits provide essential income replacement to keep food on the table and bills paid.
- Accidental Death & Dismemberment (AD&D): Comprehensive supplemental coverage gives your family immediate financial insulation during worst-case scenarios.
- Disability Pension Credits: For long-tenured members facing total and permanent disability, our pension plan includes provisions to safeguard your accrued service time and long-term retirement security.
Why Comprehensive “Total Package” Benefits Matter
When evaluating construction jobs in Kansas City, looking strictly at the hourly wage misses the bigger picture. Non-union contractors rarely offer meaningful disability insurance, leaving individual workers to purchase expensive, private policy add-ons with high deductibles.
Under Local 663’s collective bargaining agreements, signatory contractors pay directly into self-funded benefit trust plans on your behalf. This total compensation model guarantees that your income, health, and family security are protected without taking cash out of your hourly take-home pay.
Our labor union benefits deliver complete peace of mind:
- Comprehensive Healthcare: Medical, prescription, dental, and vision coverage for your whole family.
- Income Protection: Disability and life insurance coverage built into your health fund.
- Earn-While-You-Learn Security: Apprentices in the LiUNA apprenticeship program start accumulating hours toward these vital health and disability benefits early in their training.
Built for Workers, Backed by Solidarity
For contractors in KC, offering a workforce protected by top-tier disability and health coverage reduces turnover, boosts job site morale, and fosters long-term stability across Missouri and Kansas. For workers, it means standing on a job site knowing your family’s future is secure no matter what lies around the corner.
Don’t leave your paycheck to chance. Get the union protection you have earned.
Click here to visit our Join Now page and secure your family’s future today!
