Universal Union Benefits

Pension options

Pension Option 1: Upon retirement, many people find that they are in a dilemma. Do I take my full pension, and leave my spouse with nothing when I die ?

Pension Option 2: Do I take a substantial cut in my pension, to give my spouse roughly half of a pension?

If I take Pension Option One and I die, how is my spouse going to survive without an income? If I select Pension Option Two, my pension will be cut (usually permanently) any where from 15-40%. Then my spouse will only receive half of my already reduced pension. If my spouse dies before I, then I am spending 15-40% of my pension for absolutely nothing. How do I make sure that both my spouse and I can survive financially---- no matter who passes away first?

Universal Union Benefits may have the solution for you. We can show you how you can have PENSION OPTION THREE! It can give you complete flexibility. You can take Pension Option One, your full pension, and still guarantee your spouse an income if you die. Then, if your spouse dies first you can still have your full pension. It gives you the best of both worlds. If you would like more information on this product click here

Who is Universal Union Benefits?

Fred Silverman, who has recently retired as a Vice-President of the Central Ohio Labor Council for the past 23 years, is a Business Agent, along with his son, Greg Silverman. Fred has worked with unions for over 25 years in providing their members with insurance, and retirement needs. Greg joined forces with Fred in 1989.
The Entire Organization Is Proud To Be Members Of RWDSU Local 379.
We are also recognized by the Union Label & Service Trades Dept. AFL-CIO

Who are the carriers for our retirement funds?

Universal Union Benefits has teamed up with many of the companies that can eliminate losses in your retirement funds. Participants are free to choose the carrier that they are most comfortable with. Some of the carriers include American Equity, with over $6.9 billion in assets, Allianz with over $1 Trillion in assets, Amerus with over $21.8 billion, and ING USA with over $31 billion in assets.

How do we contact Universal Union Benefits?

We are always just a phone call, or email away. You may call us: 877-808-6466
We will arrange a time at your convenience to explain in great detail the benefit of our program to all involved.