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AGEM's Income Protection Insurance

A great benefit for great employees

Through our partnership with Fort Dearborn Life Insurance Company, we are please to offer affordable and flexible income protection disability insurance to ALL interested Maine State Employees.  NO MEMBERSHIP IN AGEM IS REQUIRED! - because we believe all state employees deserve access to group-discounted income protection insurance.  Visit our "insurance FAQs" page to view frequently asked questions.

Fort Dearborn - Rated "A+" (Superior) by A.M. Best

Fort Dearborn group short-term disability programs provide you with the means to protect your income in the event of a non-occupational injury, short-term illness or pregnancy. Customizable plans are available, allowing you to select a personal benefit amount and create the benefit program that best suits your needs.

A.M. Best has provided worldwide insurance-ratings for over 100 years. An A.M. Best rating of A+ (Superior) indicates that the assigned company has "a superior ability to meet ongoing obligations to policy holders." To learn more about Fort Dearborn Life Insurance Company, please visit their site at www.fdl-life.com.

How do I sign up?

Download the application packet here.

Benefits at a glance

  • Available to any active Maine State employee working at least 20 hours per week.
  • GUARANTEE ISSUE – NO MEDICAL QUESTIONS!
  • Eligible employees can choose benefit amounts up to 60% of base weekly earnings.
  • Benefits begin after the 15th day for both accident and illness and are available for a full year!
  • Benefits are received tax-free.
  • Low cost coverage for off-the-job accidents and illnesses, including pregnancy!
  • Partial Disability Benefit- available if you return to work at partial capacity
  • Pre-existing conditions covered after 12 months (based on whether treatment was received during  the 12 months prior to insurance effective date.)

Use our contact form on the "Contact Us" page for more information and to find out how to sign up.

 

 

 

AGEM News

  • Card Check Flip-Flop - No more democratic secret ballots?

    The SEIU is a leading proponent of an organizing process known as “card check.” Rather than relying on the traditional method of a government monitored secret ballot, card check stipulates that if union representatives persuade more than 50 percent of the workers to sign a union authorization card, the employer can choose to recognize the union as the representative of 100 percent of the workforce.

    This method is susceptible to fraud and intimidation,...

    read more...


  • Choose to Have Your Voice Heard!

    If you believe that state workers deserve a choice and that MSEA should prove their worth, then sign a decertification petition (showing of interest form)!

    We know that change is not easy and certainly doesn't come without some risks, but the alternative is complacency...

    read more...


  • Decertification Forms are COMPLETELY CONFIDENTIAL!

    Many employees have voiced their concerns over whether MSEA would see who signed the decertification forms call "showing of interest" forms. The answer is ABSOLUTELY NOT. The only people who see these forms are the people who have collected them and the Maine Labor Relations Board (MLRB). The MLRB cannot disclose who signed the forms to any 3rd party entity.  MSEA will not know who signed the forms. read more...




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