I think your talking about master freight contract with the insurance. When I was at ups freight we had to pay for our insurance. When I was under master freight it was free, including family if you worked a average of 3 days a week
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I'm pretty sure (someone please correct if wrong) that UPSF has a really good NO COST family option. They do pay $135/mo if they choose the "super premium" family plan. Both plans significantly better than any FXFE plan. Read the contract if you like: UPS Freight Teamster Contract PDF