About the MCL
MCL is a non-profit coalition of unions dedicated to providing benefits to more than 180,000 members. By working together to purchase benefits, we are able to achieve cost savings that allow unions to provide these benefits to their members at either no cost or heavily-discounted rates.
By negotiating together cooperatively using economies of scale, unions are able to achieve greater cost savings together than individually. These savings allow us to provide benefits to members at little or no cost to them. These benefits are in addition to what you receive through your collective bargaining agreement and are for members only.
Learn MoreMember Only Benefits
Life Insurance*
You now have free life insurance just for being a union member, along with the option to purchase up to $250,000 of additional coverage at the lowest rates possible. All of this with no medical exam, and no questions asked during the open enrollment period.
Questions?
Call the MCL Benefit Team at 888-212-7822
* For active members only
Accidental Death and Dismemberment Insurance*
Through your union membership you now have free coverage with the option to purchase up to $250,000 in additional coverage for accidents that result in fatality, paralysis, or the loss of a limb, eyesight, hearing or speech.
Questions?
Call the MCL Benefit Team at 888-212-7822
* For active members only
Accident Insurance and Critical Illness Insurance
Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident that occurs on or after your coverage effective date. Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered illness or condition on or after your coverage effective date. No medical questions or tests are required for coverage!
Questions?
Call the MCL Benefit Team at 888-212-7822
* For active members only
Legal Services
When an unexpected legal or family situation arises, you have access to a range of free and heavily discounted services and advice from experienced lawyers and judges. In addition, a 24-hour emergency hotline is available for members dealing with criminal matters.
Roadside Assistance
Your union membership is your ticket to free membership in Allstate Roadside Services, which provides free towing, flat tire repair, jump starts, lockout assistance, and fuel delivery.
Credit Union
Banks are for Profit, Credit Unions are for people.
Our credit union exists solely to serve our union members by providing financial products on the most favorable terms we can afford to offer - and that is what we do best.
Social Security Disability Insurance
The MCL has partnered with SSDC Services Corp. (SSDC), a national advocacy firm specializing in Social Security Disability Insurance (SSDI) benefits and Medicare coordination. SSDC identifies whether you or your dependent(s) are eligible for SSDI benefits and early Medicare and becomes your Advocate for filing and obtaining these benefits.
Member Discount Program
Your Midwest Coalition of Labor Member Discount Program can help you save money on your favorite brands and services in over 25 categories including restaurants, electronics, travel and more!
Free College
You and your family members* can work toward an Associate’s Degree, Certificate, or Bachelor’s Degree completely online, for FREE. You will not have to pay for tuition, fees, or e-books.
Scholarships
You may have heard that there are scholarships out there “with your name on them.” Trouble is, your dependents have to put in a lot of work to find those scholarships. Union-specific scholarships are often the easiest to receive because there is far less competition than national scholarships and the scholarship judges may already be familiar with you and your family.
Tax Preparation
The MCL has partnered with the HMHF Group to offer affordable and secure tax preparation services. Save time and money over doing your taxes yourself or going with another firm.