Communications Workers Union. Value Added Benefits Booklet. Peace of Mind for CWU Members
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1 Communications Workers Union Value Added Benefits Booklet Peace of Mind for CWU Members INSURANCE I DISCOUNTS I BENEFITS Communications Workers Union North Circular Road Dublin 1 Tel: Fax: info@cwu.ie Web:
2 INSURANCE I DISCOUNTS I BENEFITS Why choose the CWU?...2 CWU Value Added Benefits at a Glance...3 Schemes arranged through Halligan Insurances... Discounted Home and Motor Insurance...4 Mortgage Protection and Gadget Insurance....5 Discounted Life Insurance Discounted Illness Insurance Discounted Family Accident Insurance...8 FREE CWU Accident Insurance...9 Summary of Savings that can be made... CWU comparison for 23yr old member...10 CWU comparison for 40yr old member...11 Schemes arranged through FM Downes... Discounted Private Health Insurance...12 Mortgage Service and Mortgage Protection..13 Discounted Annual Travel Insurance...14 CWU Members Online Discount Store... FREE GroupSchemes.com...15 Other Discounts available to CWU members... Aura Leisure Centres...16 McInerney Sports Travel...17 Vision Express Opticians...17 Pinnacle Driving School...17 Added Benefits available to CWU members... Medical Benefit Fund and Legal Aid...18 FREE Sickness Benefit Fund FREE Mortality Fund FREE Orphan s Pension Scheme....20
3 Why choose the CWU? The CWU is Ireland s premier union for the Postal, Telecommunications and Call Centre sectors. With members in Eircom, An Post, Vodafone, Meteor, O2 and many others, the CWU has a proven track record in representing members interests. Mission Statement We will build an organising Union that prospers through excellence in service and commitment to recruitment. We will be innovative in our responses to change by being progressive in our outlook, and determined in our efforts to always act in the best interests of the Union and its members. We will, in solidarity with other like minded organisations, campaign for economic and social justice, for freedom of association and respect for human rights and the dignity of all who suffer from oppression or prejudice, whatever its form. Ireland s Premier Union for the Postal, Telecommunications and Call Centre sectors 2
4 CWU Value Added Benefits at a Glance By being a CWU member you can avail of discounts on essential insurance for your car, home and gadgets along with special insurance schemes to protect you, your spouse and children (aged 1 to 21) for life cover, illness cover and accident cover. CWU members also benefit from professional advice on arranging or rearranging a mortgage or choosing the most suitable, discounted health insurance plan for your family. In addition, members can obtain reduced cost: driving lessons, leisure centre membership, eye-glasses and sports travel while enjoying exclusive access to our dedicated online discount store. The CWU has other valuable added benefits for its members which include the Medical Benefit Fund, Legal Aid, the Sickness Benefit Fund, the Mortality Fund and the Orphans Pension Scheme. We also have our highly regarded Union magazine Connect, which is published four times a year and will keep you updated on what is taking place in your industry, on industrial relations events and any special discounts and services available to you as a member. To avail of all of the above, simply quote your membership when making your enquiry 3
5 Home Insurance Discounted cover for your buildings and contents 24 Hour Emergency Claims Helpline Payment by Salary Deduction (where available) 20% No Claims Discount Example quote for a property in Bray, Co. Wicklow with burglar & smoke alarms Buildings Insured for 200,000 Contents Insured for 40,000 Premium only 6.60 per week Massive savings available... Motor Insurance Reduced rates for CWU members and their families Full No Claims Bonus Protection Payment by Salary Deduction (where available) 20% Special CWU Discount Example quote for a 40yr old member & spouse in a 2007, 1.4ltr Nissan Almera Client has full no clams bonus. Private use only. Full licences. Premium only 5.85 per week All drivers welcome... Call Halligan Insurances or info@halligan.ie Halligan Life & Pension Ltd t/a Halligan Insurances is regulated by the Central Bank of Ireland 4
6 Mortgage Protection Save money on your mortgage protection cover The lowest price guaranteed A chance to win 1 million each month 25% of first years premium buys Prize Bonds Receive the lowest price guaranteed and Prize Bonds that enter you into the weekly draws for multiple cash prizes, including the monthly millionaire Prize Bond draw for 1 million. Advice on choosing the best cover... Gadget Insurance Insure your favourite gadgets all in place Cover up to five gadgets Worldwide cover Water damage & loss cover Gadget cover from only 79 Most people don t realise the amount of gadgets they carry around with them on a daily basis or take on holidays, so it makes senses to get worldwide cover with gadget insurance through CWU Gadget Cover. Great cover with low policy excess... Buy online at or Call Halligan Insurances or go to Halligan Insurances, Unity Building, 16/17 Lower O'Connell Street, Dublin 1 5
7 Life Insurance Simply the best value life cover available 100,000 Life Cover per member Member 3.89 per week (net 41% = 2.29) 100,000 Life Cover per spouse Spouse 3.03 per week (not eligible for tax relief) 10,000 Life Cover per child Automatically included free Great reasons to join the CWU Life Cover Scheme... It can be deducted weekly and budgeted from members salary Alternatively, it can also be paid monthly by direct debit Cover is up to age 65 and can be extended to age 80 Cost is the same for all who join, including smokers Shortened one page application form Optional Extended Life Cover to age 80 Costs 5.05 per member and 4.04 per spouse for: Age Brackets Level of Cover years 25, years 15, to age 80 10,000 Highly recommended for parents... Cover automatically reduces as members move into the older age brackets. Children means the unmarried dependant children over 1 year and under 18 years of age or under 21 years of age if in full time education. Call Halligan Insurances or info@halligan.ie Halligan Life & Pension Ltd t/a Halligan Insurances is regulated by the Central Bank of Ireland 6
8 Illness Insurance Providing peace of mind when you need it most Covers serious and less serious illnesses No medical questions when joining Children automatically included free Cost is only 3.94 per week With many people affected by serious illness in their lives, we designed the CWU Specified Illness plan to provide members and their families with financial protection against a serious illness. With two levels of protection included; covering both serious and less serious illnesses. Summary of Benefits Age Brackets Full Serious Illness Level of Cover years 55, years 50, years 29, to age 65 28,500 Less Serious Illness Level of Cover 10,000 10,000 10,000 10,000 Children s Serious Illness Level of Cover 20,000 20,000 20,000 20,000 Cover is for full serious illness payment + less serious illness payment + children s serious illness payment 48 different Illnesses are covered... Cover automatically reduces as members move into the older age brackets. Children means the unmarried dependant children over 1 year and under 18 years of age or under 21 years of age if in full time education. Call Halligan Insurances or go to Halligan Insurances, Unity Building, 16/17 Lower O'Connell Street, Dublin 1 7
9 Family Accident Cover Additional cover for you and your entire family List of Benefits Member Spouse Child Death by Accidental Means 100,000* 70,000 5,000 Permanent Total Disablement 100,000* 70,000 35,000 (from any occupation) Loss of One or Both Eyes 100,000* 70,000 35,000 Loss of One or More Limbs 100,000* 70,000 35,000 Burns Benefit (up-to) 12,000* 6,000 3,000 Fracture to Leg (including ankle, 3,000* 1, femur, patella, fibia and fibula) Fracture to Arm (including wrist, 1,500* humerus, radius and ulna) Temporary Total Disablement 200 p.w. 200 p.w. (payable after 26 weeks for up to 2 years once in fulltime gainful employment) Hospitalisation 600 p.w.* 300 p.w. 150 p.w. (payable after 24 hours, limited to 26 weeks) *Includes CWU Personal Accident In Benefit Members Cover All benefits paid tax free Cover is worldwide, 24 hours a day, 365 days a year Cover for member & spouse applies from age 18 to age 75 Children from age 1 to 18 or to age 23 if in full-time education Premium only 2.47 per week Wide ranging accident cover... Call Halligan Insurances or info@halligan.ie Halligan Insurances, Unity Building, 16/17 Lower O'Connell Street, Dublin 1 8
10 FREE CWU Accident Cover Cover automatically included for all CWU members List of Benefits Accidental death 30,000 Permanent total disablement from any occupation 30,000 Loss of two or more limbs or both eyes or one of each 30,000 Permanent and total loss of speech 30,000 Permanent and total loss of hearing: a) in both ears 30,000 b) in one ear 7,500 Loss by permanent total severance or total loss of use of: a) One limb 30,000 b) One big toe 3,000 c) Any other toe 1,500 d) One thumb - right hand/left hand* 7,500/ 6,000 e) One forefinger - right hand/left hand* 6,000/ 4,500 f) Any other finger - right hand/left hand* 3,000/ 1,800 Permanent total loss of use of: a) Shoulder or elbow - right/left* 7,500/ 6,000 b) Wrist - right/left* 6,000/ 4,500 c) Hip or knee or ankle 6,000 Removal by surgical operation of lower jaw 9,000 Hospitalisation per week** 300 Fracture to arm (including wrist) 750 Fracture to leg (including ankle) 1,500 Burns benefit (up to) 6,000 * To be reversed if left handed ** Once an in-patient for more than 24hrs as a result of an accident, up to 52 weeks Should more than one accident occur, the maximum benefit payable is 30,000 Covers all In Benefit members... 9
11 CWU Comparison Table SAVINGS FOR CWU MEMBERS Single Male (23yrs) Single Female (23yrs) Benefits Available to Members Details of Benefits Member Non- Member Saving Member Non- Member Saving Car Insurance Home Insurance 2005, Nissan Micra 1 litre, Comp, Full Licence, Full Bonus Kildare Apartment with 25,000 Contents Cover Life Insurance 100,000 Life Cover Illness Insurance 55,000 Illness Cover Personal Accident Cover 30,000 Personal Accident Cover Free Free Aviva New Mortgage Service Existing Mortgage Service Business Plan Choice Mortgage applications Lender renegotiations for members FREE FREE Apple iphone 4S 16Gb Model Converse Chuck Taylor Trainers Cases of Selected Wines 12 Bottles Therapié Full Body Massage Optilase Laser Eye Surgery , , Hi-Life Diners Club Bootcamp Ireland Annual Membership Week Course Savings: 1, Savings: 1, Please note that the insurance figures are guides, specific individual factors will dictate the true savings for members 10
12 CWU Comparison Table SAVINGS FOR CWU MEMBERS Married Male (40yrs) Married Female (40yrs) Benefits Available to Members Details of Benefits Member Non- Member Saving Member Non- Member Saving Car Insurance Home Insurance 2007, Nissan Almera, 1.4 litre, Comp, Full Licence, Full Bonus Meath House, 200,000 Buildings 40,000 Contents Life Insurance 100,000 Life Cover Illness Insurance 29,000 Illness Cover Personal Accident Cover 30,000 Personal Accident Cover Free Free Aviva New Mortgage Service Existing Mortgage Service Business Plan Choice Mortgage applications Lender renegotiations for members 1, , , , FREE FREE Apple iphone 4S 16Gb Model Converse Chuck Taylor Trainers Cases of Selected Wines 12 Bottles Therapié Full Body Massage Optilase Laser Eye Surgery , , Hi-Life Diners Club Bootcamp Ireland Annual Membership Week Course Savings: 2, Savings: 1, Please note that the insurance figures are guides, specific individual factors will dictate the true savings for members 11
13 Private Health Insurance Reduced cost health insurance for CWU members With a special discount on corporate plans from Aviva CWU members have access to: More hospital, scan & treatment centres nationwide Semi-private or private room in a private hospital High-tech hospitals for cardiac, special listed High-tech hospitals for all day case procedures Exclusive back care program Free telephone counseling service 24/7 6 free face to face counseling sessions per year Nurse-on-call 24 hours a day 7, days a week Accident & Emergency abroad Excellent maternity benefits Stress Related & Psychiatric Benefits Many other member benefits Discount premiums available through payroll deduction For a no obligation quotation or any advice regarding your private health insurance needs. Switch to save money... Call FM Downes & Co or info@fmdownes.com FM Downes & Co. Brokers is regulated by the Central Bank of Ireland. 12
14 Mortgage Service New mortgages Free expert independent advice Best chance of mortgage approval for members Borrow up to 92% of value of the house Competitive rates & flexible repayment options Repayment difficulties with existing mortgages Freephone based consultation advising the member of their rights as a borrower & available options Mortgage negotiators will assist the borrower secure more affordable repayment terms with the lender Professional Service... Mortgage Protection Save money on your mortgage protection cover Entire market researched to ensure cheapest quote Special offer of cash back 30% of first years premium refunded Cash back after 12 months... Call FM Downes & Co or FM Downes & Co Brokers, Kandoy House, 2 Fairview Strand, Dublin 3 13
15 Annual Travel Insurance Annual worldwide, multi-trip travel insurance Cover up to 75 years of age Includes 21 days wintersports Worldwide insurance including the US & Canada Unlimited trips of up to 60 days any one trip Special discounted price... From per Family Plan year Buy online at or Call FM Downes & Co or FM Downes & Co. Brokers is regulated by the Central Bank of Ireland. 14
16 FREE Online Discounts Store GroupSchemes.com Savings for CWU members on every day purchases What is my Group Scheme, and how does it work? Your Group Scheme is provided for you as a member benefit. Groupschemes.com provide hundreds of discounts to you and your fellow members, meaning you have access to a wide range of savings on day-to-day items, as well as high-savings products in the financial, insurance and tax areas. Groupschemes.com use collective purchasing power to secure large discounts with well-known brands and retailers in order to secure savings for you which would otherwise be unavailable. Just visit to access your Group Schemes discounts * Please note that you must register on the CWU website to access GroupSchemes Huge range of discounts available... 15
17 Other Discounts Reduced cost leisure centre membership Aura and the Communications Workers Union have teamed up to provide members of the CWU with a 10% discount on the cost of an annual membership. This offer is available to all members of the CWU and is valid at all eight Aura leisure centres throughout Ireland (Carrick-on-Shannon, Letterkenny, Tullamore, Youghal, Dundalk, Drogheda, Trim and Navan). As the fastest growing operator in Ireland, Aura continues to deliver on its promise of value and great service for all of its users a simple formula with a proven track record of success. Aura offers people of all ages and abilities the opportunity to become healthier and happier, and to feel better about themselves. Aura provides new and comfortable surroundings, state-of-the-art equipment and a range of courses, classes, fitness programs and activities for both adults and children. To avail of this offer simply present your union membership card at any of the eight Aura leisure centres and you will receive 10% off the cost of annual membership. The cost of annual membership and facilities vary from centre to centre, for example single annual membership ranges from 316 in Dundalk to 535 in Letterkenny. Family membership is available at all Aura leisure centres and CWU members can avail of discounts averaging 100 per family. Aura also provides the option of paying by direct debit. For more information on rates and facilities contact your nearest Aura leisure centre or Gerard O Rourke (gerard@cwu.ie) Fun, fitness & health for all... 16
18 Other Discounts Discounts available from the following providers McInerney Sports Travel The CWU has negotiated a 10% discount on all purchases of football packages for CWU members. This offer is available on all packages to England, Scotland and Spain. To avail of this offer please quote your CWU membership number at time of booking. For bookings call or visit Vision Express Opticians The CWU has teamed up with Vision express to enable our members to avail of special offers on spectacles and contact lenses. To avail of the offer just print off the voucher from our website ( or from the Connect magazine. Vision Express has stores in Athlone, Cork, Galway and Dublin. Contact your nearest store to arrange an appointment and remember to bring your voucher! Find a store nearest to you on the website Pinnacle Driving School The CWU has teamed up with Pinnacle Driving School! All instructors are ADI qualified and pass rates are at least 15% above the average in all test centre s. This offer is also extended to CWU members buying gift vouchers for a third-party. Unlike other vouchers Pinnacles do not have an expiry and can be redeemed at any time in the future. CWU Members can avail of the special offer of only 30 per lesson (normally 35), this includes pre-test lessons and is extended to the family of CWU members. Call (01) and quote CWU offer or visit their websites: Dublin: / Cork: Galway: / Bray: Limerick: Discounts for members... 17
19 Added Benefits Value added benefits provided to CWU members Medical Benefit Fund Members may make one claim in each category below and, subject to the limits outlined, the treatment date must be within a 12 month calendar year. All expenses must be claimed in the year that the expenditure is incurred and there is no retrospection of claims. Dental Grant Up to Optical Grant Up to Surgical and Medical Appliances Up to All claims must be processed through the member s Branch to Union Head Office. Claims for children aged between 1 and 18 years only. Original receipts requested for processing. These receipts will not be returned, you may need to copy your own receipts for tax purposes before submission. Legal Aid This scheme, which is funded from the central funds of the Union, provides assistance to In Benefit members of the Union in certain circumstances and subject to certain conditions in relation to: Offences under the Road Traffic Acts Compensation claims Inquests Wills Certain legal advice Requests for assistance relating to matters covered by the scheme must be submitted with details of the case through the Branch/Section Secretary, to Union Head Office. The case will then be forwarded to the Union s solicitors for advice. Important added benefits... 18
20 FREE Added Benefits Value added benefits provided to CWU members Sickness Benefit Fund Subject to the CWU Rules and Constitution and on production of the requisite documentation an In Benefit member on reduced pay, following a continuous or accumulative absence of 26 weeks from duty resulting from illness or accident may be paid an amount up to 70% of his/her basic pay while a member of the Union. This payment may be paid for a maximum of 18 months in any period of 4 years in accordance with the following: 0-6 months Up to 70% of member s basic pay 6-12 months Up to 65% of member s basic pay months Up to 60% of member s basic pay Payments will cease after this period except in the most extreme of hardship circumstances. Application for continuation or otherwise of Sickness Benefit outside of this period will be considered on their merits by the Management Committee who will make recommendations to the Executive Council. Such applications will need to be supported by a full report from the member s medical specialist setting out the exact nature of the illness, the prognosis for a full recovery and likely date of return to work. The decision of the Executive Council on such applications will be final. To apply, obtain a form from Union Head Office through the Branch/ Section Secretary, complete same and return with payslip and medical certificate, consultants report or a doctor-to-doctor report. Important added benefits... 19
21 FREE Added Benefits Value added benefits provided to CWU members Mortality Fund A member may be paid 635 on the death of his/her spouse. The nextof-kin may be paid 5,080 on the death of a member. The next-of-kin may be paid 635 on the death of an associate member. The mortality benefit payable to the estate of a member of the Retired Members Section shall be 1,270. There is only one mortality benefit payment due per household. To apply, obtain a form from Union Head Office through the Branch/ Section Secretary, complete same and return with copy of Death Certificate. In certain cases the Union may also require sight of the grant of probate or letters of administration, whichever is applicable. Orphans Pension Scheme The Union also has its own added members benefit schemes including the Orphan s Pension Scheme. In the event of the member's death, a sum of 20 per week (paid monthly), will be made in respect of each child registered with the fund until that child reaches the age of 18 years. Members must register the names of each of their children with Union Head Office in order to have cover provided by the scheme. This scheme is a free benefit to all members and application forms may be obtained from or from your Branch Secretary or Union Headquarters. Please ensure your children are covered. Important added benefits... 20
22 Communications Workers Union Value Added Benefits Booklet Peace of Mind for CWU Members INSURANCE I DISCOUNTS I BENEFITS Communications Workers Union North Circular Road Dublin 1 Tel: Fax: info@cwu.ie Web:
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