LifeChange

Every life stage brings its own rewards and challenges, so our LifeChange benefit ensures that you’re getting that little extra help you need to make things easier. Whether you or your family are recovering from a loss or you’ve had an accidental injury, or you are celebrating a milestone birthday, we can help.

Our LifeChange benefit was created to give members a little extra help at key moments in your life. The benefit is designed to give you peace of mind – whether you change jobs or retire, your LifeChange benefit will still be there for you as long as you retain your membership.

If you’ve been a member for a while already, then you’ve already built up an amount in your individual LifeChange ‘account’.

Working members accrue £200 each year for the first 6 years of membership, and £20 each year thereafter. (So if you’ve been a working member for 5 years you already have a total of £1,000, or £1,380 if you’ve been a working member for 15 years, or £1,580 for 25 years membership).

As a retired member this benefit continues to accrue at £20 per year and is still available as long as you continue your membership. If you leave the union, the benefit is lost.

If you become unemployed during your first six years of membership, you will continue to accrue £20 per year whilst you are not working. As soon as you let us know about any new employment, you can continue to accrue this benefit at the normal rate.

If you join as a non-working member, you will be entitled to a £200 flat rate after one year, and the regular rate will commence after you’ve found employment and alerted the membership team.

There are three key LifeChange benefits:

  • Bereavement benefit – 50% of your account on the death of your spouse/partner or child under the age of 18; 100% of your account on your death
  • Accident-related injury benefit – draw 100% of your account if you lose your job through injury or 500% of your account if it’s a serious injury
  • 65th birthday bonus – claim 10% of your account to help mark this milestone occasion.

You don’t need to do anything now, you’re already building up the benefit just by being a member of Community.

To apply for any part of the benefits above click here for the LifeChange Benefit Application Form

Full terms and conditions please click here.