Member Benefits. Your complete guide to Union Plus money-saving programs. Exclusively for USW members. For more information visit UnionPlus.

Transcription

1 Member Benefits Your complete guide to Union Plus money-saving programs Exclusively for USW members UnionPlus.org/USW For more information visit UnionPlus.org

2 Money-saving benefits designed to meet the needs of your members Contents Money & Credit...2 Credit Cards, Annuities, Credit Counseling, Prepaid Card, Union-Printed Checks Home...5 Mortgage, Save My Home Hotline, Home Heating Oil, Moving Discounts Discounts...8 AT&T Wireless, Everyday Discounts, Pet Services Auto Programs New & Used Car Buying, Car & Truck Rental, Goodyear Tire, Motor Club Insurance Accidental Death Insurance, Life Insurance, Auto Insurance Legal & Education Discounted Legal Services, Scholarships, College Test Prep Discounts Health Health Savings Discounts, Medical Bill Negotiating, Health Club Discounts Entertainment & Travel Entertainment Discounts, Travel Discounts facebook.com/unionplus twitter.com/unionplus pinterest.com/unionplus

3 Experience the Union Plus difference Union Plus benefits are unlike other benefit plans offered in today s market. They are specifically tailored to meet the unique needs of union members and their families. You can feel confident knowing the benefits experts at Union Plus: Expertly review every one of the 40+ programs and adjust them to meet changing needs and times Carefully research and screen all of the potential vendors and their products and services Select only those who meet our highest expectations and negotiate the best contracts with them Closely monitor all of the programs through a volunteer board of top union officials. We have the strength of 15 million union members behind us to make it happen. Union Plus has your members backs We understand that union members often face unique challenges that require unique solutions. That s why we tailor our programs to the life circumstances union members and their families may face such as strikes and lockouts or layoffs. There s help with mortgages and credit cards in times of hardship scholarships for higher education savings on wireless services great rates on insurance discounts to movies and theme parks like Disney, and even pet savings! As a union leader, this member benefits guide gives you the information you need to retain and attract new union members. Sign up for free leader update s Go to UnionPlus.org/Enews or text UNION to for mobile alerts* *Msg&Data Rates May Apply. Reply STOP to opt-out. Reply HELP or contact info@unionplus.org for help. Expect no more than 2msgs/mo.

4 Money & Credit Credit Cards New and Improved Credit Cards Designed for Your Members The new and improved Union Plus Credit Card program features two new credit cards with improved assistance benefits. More than one million union members carry the Union Plus Credit Card. 2 New Credit Cards There are two card options, so your members can choose the one that may best meets their needs: Cash Rewards Card. The new no-hassle Cash Rewards Card earns unlimited 1.5% cash back on every purchase. It s great for those who want rewards every time they make a purchase. Cash rewards are earned on every purchase, with no limits, complicated reward structures or rotating categories. It also comes with a low intro APR for 12 months. Low Intro APR Card. This card offers a low intro APR for 15 months for those who want to transfer a higher-rate balance and save on interest. Improved Assistance Benefits The assistance benefits have provided more than $1.7 million to help union cardholders facing financial hardships since Regardless of which card is chosen, after just three months of carrying the card, cardholders may be eligible for improved assistance grants: Job Loss Grants of $300 (was $250) help eligible cardholders who have recently been laid off. Strike Grants of $300 (was $250) provide assistance to eligible cardholders who are on a union-sanctioned strike or experiencing a lockout. Disability Grants of $1,600 $2,700 (was $1,250 $2,250) help eligible cardholders who have lost significant income due to a long-term illness or disability. Hospital Grants of $1,200 (was $1,000) aid eligible cardholders with large, unreimbursed hospital expenses. All grants approved for eligible cardholders are paid by check and they never have to be paid back. NEW 1.5% Cash Rewards Card More Reasons to Carry the Union Card Competitive rates U.S.-based customer service $0 fraud liability if card is lost or stolen No penalty rate on existing balances No foreign transaction fee No check-by-phone fee Displays the union logo, showing union loyalty and union pride each time the card is used Issued by Capital One, a U.S.-based bank Union Privilege also provides: Union Member Advocates Sometimes your members may come to you for help with a question or concern. Our Member Advocates, Union Privilege staff who are members of OPEIU Local 2, are here to help you or your members resolve any problems. Contact us at (8:30 a.m. 4:30 p.m. ET, weekdays) or online at UnionPlus.org/Customer. Disaster Relief Grants Union Plus Disaster Relief Grants of $500 are available to help eligible cardholders facing financial hardship due to a natural disaster. The money does not have to be repaid. Since 2005, the Union Plus Disaster Relief Fund has provided more than $780,000 in aid to union members facing hardships following Hurricanes Sandy and Katrina, tornadoes, floods, wild fires and other natural disasters. 2 Stay current on all of the Union Plus programs at UnionPlus.org

5 Designed for union members and union family members. THREE WAYS TO APPLY: Mail this reply envelope Call: Visit <Union URL> See Details Inside Get our lowest intro APR on purchases and balance transfers Experience 24/7 U.S.-based customer service by phone Hardship assistance, exclusively for Cardmembers FPO Union Printed in the U.S.A. (X)XX-XXXX-XXX-XXXXX EARN UNLIMITED CASH REWARDS * ENHANCED HARDSHIP ASSISTANCE, FRAUD LIABILITY PROTECTION 1.5% cash rewards ONLY FOR CARDMEMBERS $0 Fraud Liability Protection Earn cash rewards on every purchase, Job Loss Grants If your card or Account number is stolen, you with no limit to the amount you can earn. won t be liable for fraudulent transactions. Designed for eligible Cardmembers who have recently been laid off. EXCLUSIVE RATES ** ANNUAL MEMBER FEE 0% intro APR for 12 months Strike Grants No Annual Fee* Once approved, members and union Provides assistance to eligible Cardmembers family members get a 0% Intro APR* on who are on strike or experiencing a lockout. purchases and balance transfers for 12 3 EASY WAYS TO APPLY months from account opening date. Disability Grants MAIL After that, a variable APR* on purchases Helps eligible Cardmembers who have lost this reply envelope and balance transfers between 12.9% and significant income from a long-term illness 20.9% will apply. A Balance Transfer Fee of or disability. CALL 3% applies to each transfer made that posts to your account by 06/22/2014. Hospitalization Grants Aids eligible Cardmembers with large, OR GO ONLINE U.S. BASED CUSTOMER SERVICE unreimbursed hospital expenses. <Union URL> All calls answered in the U.S. All grants approved for eligible cardmembers Go online to find out about our other credit card option that may meet your needs. We are proud to offer 24/7 U.S.-based are paid as a check and you never need to pay customer service for all Union Plus them back. Cardmembers by phone. Credit approval required. Terms and conditions apply. *All rates are accurate as of 6/28/2013. Variable rates will vary with the market based on the Prime Rate. The Introductory APR on credit card purchases and balance transfers does not apply to cash advances. The Purchase and Balance Transfer APRs will be based on your creditworthiness. Please see the SUMMARY OF TERMS within this brochure. Competitive rates & U.S.-based 24/7 customer service are negotiated by Union Privilege, not the specific card terms, rates or rewards. Family Member Cardmembers may not be eligible for certain benefits. All trademarks or trade names are properties of their respective owners. The information about the costs and benefits of the card described in this application is accurate as of 06/28/2013. The information may have changed after that date. To find out what may have changed call This offer expires 06/22/ Capital One. Capital One is a federally registered service mark. All rights reserved. Credit approval required. Terms & Conditions apply. Get the full details at UnionCardApply.com Money & Credit Credit Card Rebates and Discounts Union member cardholders are eligible for the following rebates and discounts when they use their Union Plus Credit Cards: $100 AT&T Union-Made Rebate Cardholders who switch to AT&T from a non-union wireless provider and use the Union Plus AT&T 15% discount program are eligible for a $100 rebate. $100 AT&T New Smartphone Rebate Cardholders who buy a new smartphone and a data plan through the Union Plus AT&T 15% discount program are eligible for a $100 rebate. $50 Union HVAC Rebate Cardholders who purchase an annual service contract from a union HVAC professional are eligible for a $50 rebate. Additional 5% savings on flowers for a total 25% discount when cardholders choose Union Plus MasterCard at checkout. Visit UnionPlus.org/Flowers. Additional 5% savings on pet food, toys and supplies for a total 15% discount when cardholders use their Union Plus Credit Card at store.unionpluspets.com. Supports the Labor Movement The credit card program is critically important because it provides royalties that the AFL-CIO and our unions use to fund important legislative, political, organizing and other programs of the Labor Movement. Union Plus cardholder and USW member, Kurt Stewart, received a $1,000 Union Plus Credit Card Disability Grant. How To Apply Members can apply online at USWcard.com or by calling Customer Service: Current cardholders can call to speak to a U.S.-based representative Credit approval required. Terms & Conditions apply. Union Plus Credit Cards issued by Capital One, N.A. GET UNION STRENGTH, CASH REWARDS, AND MORE FROM THIS CREDIT CARD APPLY TODAY FOR THE <UNION NAME> CREDIT CARD. UNION PLUS PO BOX PHOENIX AZ BUSINESS REPLY MAIL FIRST-CLASS MAIL PERMIT NO. 290 RICHMOND, VA POSTAGE WILL BE PAID BY ADDRESSEE ROUTE TO: UNION PROCESSING EARN UNLIMITED CASH REWARDS 1.5 % <UNION NAME> MasterCard ON EVERY PURCHASE <UNION ACRONYM> MASTERCARD Designed to meet the needs of hard-working union members and union families. NEW AND IMPROVED BENEFITS DESIGNED FOR UNION MEMBERS EARN UNLIMITED 1.5 % CASH REWARDS ON EVERY PURCHASE INTRODUCING THE NEW AND IMPROVED <UNION NAME> CREDIT CARDS The <Union Name> Rewards Card is one of the 40 Union Plus benefits designed to meet the needs of hard-working union members. Cardholders can earn unlimited, no-hassle 1.5% cash rewards and may be eligible for unique assistance in times of need. There is also a card with a low intro rate for 15 months. Both cards come with: Improved assistance benefits 24/7 U.S.-based Customer Service for eligible cardholders, Competitive Rates including job loss, strike, $0 fraud liability if disability and hospital grants your card is lost or stolen Free Promotional Materials Free materials are available to help you make your members aware of the new and improved Union Plus Credit Cards: Order online at UnionPlus.org/Order Call the Leader line at The MasterCard Brand Mark is a registered trademark of MasterCard International Incorporated. For more information visit UnionPlus.org 3

6 Money & Credit Credit Counseling Free, no obligation financial review, budget analysis and written action plan Help eliminating debt, including customized Debt Management Plans fees reimbursed after one year in DMP Accredited bankruptcy advice service fees waived. Offered through Money Management International, America s largest non-profit credit counseling agency For credit and budget counseling call or go to UnionPlus.org/CreditCounseling For bankruptcy counseling call ; use code: BUP#99999 Union Printed Checks Customized union-printed checks and return address labels Low prices Add union logo, message or member photos To learn more or to order call or go to UnionPlus.org/Checks PEACE OF MIND WITH UNION PLUS Prepaid Card Lower fees; no hidden costs Conveniently reload through direct deposit, at thousands of retail locations or from a bank account Deposit into a high-yield savings account Ideal alternative to the high-cost banking services To sign up or learn more call toll-free or go to MyUnionPrepaid.com I knew the Union Plus Credit Counseling Program had to be reputable if the union was backing it. I m glad I went with the Union Plus program. Lisa Johnson AFGE member, Colorado 4 Stay current on all of the Union Plus programs at UnionPlus.org

7 Home Mortgage A Mortgage Program That Helps Members Buy And Keep Their Homes Whether your members are looking to buy their first home, their next home or refinance their current one, Union Plus Mortgage can help with a wide range of financing options. Most importantly, the program provides with unique assistance to help members who experience an unexpected loss of income stay in their homes. Over 200,000 union members have used the program to purchase or refinance a home. Exclusive Mortgage Protection When mortgage-holders experience income loss due to disability, unemployment, strike or lockout, they can turn to Union Plus Mortgage Assistance 1 for help. This Union Plus program has provided more than $9.5 million in assistance to help thousands of members stay in their homes, through: Interest-Free Mortgage Assistance Loans that cover up to six months of mortgage payments for union members who face unemployment, disability, lockout or a short union-approved strike (less than 30 days). The first $1,000 of the loan is a grant that does not need to be repaid. Mortgage Strike Assistance Grants cover the full mortgage payments for up to six months for union members who are on strike or lockout for more than 30 days. Hospital Grants of $1,000 aid eligible members with a mortgage with large, unreimbursed hospital expenses. Disaster Relief Grants of $500 are available to help mortgage-holders facing financial hardship due to a natural disaster, including hurricanes, tornadoes, floods and wild fires. USW member, Kimberly Beckham, poses in front of the new home she purchased with the help of Union Plus Mortgage, and the First Time Home Award. $500 Award Card With Every Loan Members who use the program receive a $500 award card 2 shortly after closing their loan that can be used at hundreds of merchants to help them with home expenses. $500 First-Time Home Award Members who buy their first home may earn a $500 Union Plus First-Time Home Award by completing an application and submitting a short, written description of their experience with the process and what owning your first home means to them. For more information visit UnionPlus.org 5

8 Home For The Family Too The Union Plus Mortgage program is also available to help your members children and parents 3. So if your members sons or daughters want to buy their first home, this union benefit can help them. Education To Help Explain The Process The program can help members prepare for homeownership with financial coaching, educational programs, online tools, and knowledgeable mortgage professionals. WE VE GOT YOUR BACK Provided by Wells Fargo Home Mortgage As of March 2013, mortgages are provided by Wells Fargo Home Mortgage, the largest mortgage originator in the U.S. Members who already have a Union Plus Mortgage with Chase can call about their existing Chase mortgage account. How To Apply Members can get advice from mortgage professionals by calling , 8 a.m. to 10 p.m., ET, Monday thru Friday, and 9 a.m. to 5:30 p.m., ET, Saturday, or by visiting UnionPlus.org/Mortgage. EQUAL HOUSING LENDER Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. NMSLR ID Eligibility for the Mortgage Assistance Program begins one year after you obtain a Union Plus Mortgage. 2 Eligible individuals can receive the Wells Fargo My Mortgage GiftSM promotion after closing on a new purchase or refinance loans secured by a first mortgage with Wells Fargo Home Mortgage. The promotion is not available with all mortgage loan products. This promotion is void where prohibited and subject to change or cancellation with no prior notice. Please see website for more information. 3 Active and retired union members, their parents and children are eligible for the Union Plus Mortgage program. The Union Plus Mortgage Assistance Program made the critical difference for this USW member when he was laid off. I made one phone call and there were no hassles. They covered two mortgage payments, which was enough time for me to get back to work. This program saved my life. Gary Davis USW Local 2571, Antioch CA Free Promotional Materials Free materials are available to help you make your members aware of the mortgage program: Order online at UnionPlus.org/Order Call the Leader line at Stay current on all of the Union Plus programs at UnionPlus.org

9 Home Save My Home Hotline For members struggling to make mortgage payments, getting behind or facing foreclosure Confidential, free consultation by phone or in person with accredited counselor Members with a Union Plus Mortgage may be eligible for additional assistance SAVING MEMBERS HOMES To learn more call , 24/7 Discount Home Heating Oil Savings available in the Boston area, CT, MD, southern NH, NJ, NY, PA, RI or No. VA. Up to $300 savings on fuel oil annually Free service contract on home heating system Save $150 $300 over competitors costs 24-hour emergency service Annual system cleaning $50 certificate for free heating oil To sign up or learn more call toll-free or go to UnionPlus.org/HeatingOil Moving Discounts Discounts on moving, packing and storage Double coverage on personal property On-time delivery guarantee: $125 per diem if delivery is missed Save 25% 50% on moving boxes and supplies if moving yourself After a series of financial setbacks, Maria Yaeger was worried about losing her home. She contacted the Union Plus Save My Home Hotline, and was referred to an organization that helped her restructure her loan, reducing her mortgage payment by more than $700 a month. I know it s hard to ask for help, but help is out there when you call the Union Plus Save My Home Hotline. Maria Yaeger AFSCME member, Ohio Call toll-free for Allied Van Lines, and reference your Union Plus discount. Call toll-free for North American Van Lines, and reference your Union Plus discount. To learn more visit UnionPlus.org/Moving For more information visit UnionPlus.org 7

10 Discounts AT&T Wireless Providing Savings and Solidarity The Union Plus AT&T Discount can help your members to save money and show their support for the only national unionized wireless provider. Plus there are special savings for union locals and union staff too. More than 450,000 union members and staff are saving with this benefit. UNION MEMBERSHIP PAYS 15% Discount on Select Wireless Plans Your members can receive a 15% savings on select individual and family monthly wireless plans of $39.99 or more. Those savings can add up to $162 a year if they have an iphone with a 5GB data plan. The discount is only available on the primary line of an individual or family plan and the 5GB data plan, shared minutes and data for AT&T Mobile share plans. Additional lines for family plans are not included. The 300MB and 3GB data plans, data plans on secondary lines, and text plans are not discounted. Supports Good Union Jobs at AT&T Wireless Not only will you and your members be saving you ll be supporting union workers and their families. AT&T is the only national wireless company that is completely unionized. Some 45,000 AT&T Mobility employees are represented by the Communications Workers of America (CWA). Union Plus Credit Card Rebates Save up to $200 Members with a Union Plus Credit Card can qualify for up to $200 in rebates: Evian White bought a new iphone from AT&T and received a $100 Union Plus Credit Card AT&T rebate. I m president of my local, and when I m organizing I find many potential members aren t aware of all the ways union membership can save them money Union Plus discounts are one of many great reasons to join the union. Evian White UAW leader, Florida $100 AT&T Union-Made Rebate Cardholders who switch to AT&T from a non-union wireless carrier like Verizon Wireless, Sprint or T-Mobile and use the Union Plus AT&T 15% discount program are eligible for a $100 rebate. $100 AT&T New Smartphone Rebate Cardholders who buy a new smartphone and a data plan through the Union Plus AT&T 15% discount program are eligible for a $100 rebate. For details visit UnionPlus.org/ATTrebate 8 Stay current on all of the Union Plus programs at UnionPlus.org

11 Discounts AT&T is the clear choice for union staff, local union offices and union families. Larry Cohen CWA President Savings for Local Offices and Union Staff Your local office can save 22% on qualified wireless monthly service charges through an AFL-CIO negotiated discount. AT&T also offers discounts on a wide range of other telecommunication services from teleconferencing to internet service and more that can help your union work smarter and save money. For local savings, att@unionplus.org or call , ext There s also an 18% discount on wireless service for union staff (anyone who receives a paycheck from a union). Visit UnionPlus.org/staff-att to sign up. Members Can Start Saving at UnionPlus.org/ATT There are two ways for members to sign up for savings: 1. In a Store: Members should visit UnionPlus.org/ATT to find a local store, download the discount savings coupon and proof of membership form from and take both along with union ID to a local AT&T store (not available at authorized retailers or kiosks). 2. Online at UnionPlus.org/ATT: Members can find specials on AT&T cell phones and purchase wireless service online. Members will be asked to provide their union name and local number. All AT&T program plans for new and existing customers require a new two-year contract. The 15% AT&T discount is not available on the ipad, additional lines for family plans, unlimited plans and Unity plans. Data services: Only the 5GB data plan and the shared minutes and data for AT&T Mobile share plans are discounted. Free Promotional Materials Free materials are available to help you make your members aware of the AT&T discount: Order online at UnionPlus.org/Order Call the Leader line at AT&T Wireless Plan Regular Price Price with 15% Discount Annual Savings Basic iphone plan with 5GB data $89.99 $76.49 $162 Family Plan for 2 lines with Nation 700 Family Talk $69.99 $54.99 $126 Individual Plan $39.99 $33.99 $72 For more information visit UnionPlus.org 9

12 Discounts Everyday Discounts ConsumerReports.org Just $22/year for an online subscription save 27% Access to same consumer advice found in Consumer Reports magazine, including over 1,000 product ratings; side-by-side comparisons Support a unionized company To subscribe go to UnionPlus.org/ConsumerReports Dell Computer Discounts Save 10% to 30% on Dell laptops, computers and more Call-in price guarantee: beats a better deal on a Dell public website Free U.S.-based technical support on select systems To order or view products go to UnionPlus.org/ Computers or call (ID#: PS ) Discounts on Books Save money at Powell s Bookstore, a discount unionized Internet bookseller To learn more go to UnionPlus.org/Books Flower Delivery Discounts 20% discount on Teleflora flowers, baskets and gifts hand-delivered by a local florist 100% satisfaction guarantee or your money back To order visit UnionPlus.org/Flowers or call U.S. customer service at Union-Made Clothing Discounts Save up to 10% on union-made apparel from All American Clothing Company and Union House To order online or to order a gift certificate go to UnionPlus.org/Clothing Pet Services Union Plus Pet Insurance 10% off regular premium rates Fixed deductibles as low as $100 Choose a co-pay that works for you Choose your own licensed vet All breeds of cats and dogs: no exclusions Sign up at or go to UnionPlusPets.com Veterinary Discounts 25% savings on office visits, shots, x-rays, preventive care, surgery and more 3 month trial membership for $1. Ongoing coverage starts as low as $6.95 per month. Every pet is covered, including dogs, cats, birds, fish, reptiles, horses and more, regardless of age or condition. Valid at more than 2,500 participating vets nationwide. To find a vet call or visit UnionPlus.org/Pets Pet Medication & Toy Savings Program Members save 10% on pet toys and supplies $1 off all pet prescription medication and flea/tick products Save an additional 5% when you use your Union Plus Credit Card Order online at Store.UnionPlusPets.com 10 Stay current on all of the Union Plus programs at UnionPlus.org

13 Auto Programs New Car Buying Service Free service through TrueCar Get up front pricing from local new car dealers See what others are paying for the car you want $100 rebate on new union-made cars $200 rebate on new union-made, EPA Green Cars To learn more go to UnionPlus.org/AutoBuying Car & Truck Rental Discounts Save up to 25% on car, truck, van and SUV rentals at: Alamo Avis Budget Enterprise Hertz National Save 20% on truck rentals at 2,800 Budget Truck Rental locations nationwide To rent a vehicle go to UnionPlus.org/CarRentals or call: Alamo: , ID# Avis: , ID# B Budget: , BCD# V Budget Truck: , ID# Enterprise: , no ID Hertz: , CDP# National: , ID# Good Year Tire & Auto Services 10% off tires and services, 5% off tires on sale Save at company-owned Goodyear, Just Tires or Allied Tires & Service stores Goodyear Discount Coupon: UnionPlus.org/Goodyear AFSCME member Lori Capen, shown here with her dog Rusty, drove away with savings and service from the auto buying benefit. Used Car Buying Services Hertz Rent2Buy Union members save $250 on any used Hertz rental vehicle from Hertz Rent2Buy Test drive for 3 days and rental rate is reimbursed if you buy Call (Use promo code R2BUPLUS) or visit UnionPlus.org/AutoBuying Enterprise Car Sales Union members receive an additional $500 over Kelly Blue Book Trade-In Value for trade-ins from Enterprise Car Sales No-haggle prices Call or visit UnionPlus.org/AutoBuying Many Goodyear tires are made by members of the United Steelworkers of America (USW) and the United Food and Commercial Workers (UFCW). To learn more and download the Goodyear Union Plus discount coupon go to UnionPlus.org/Goodyear Motor Club Costs less than AAA One price covers your member and their entire household just $69 a year or $6.90 a month. $40 in gas rebates 24/7 emergency roadside assistance Up to 4 auto service calls per year 27,000 services providers across the U.S. U.S. customer service To learn more or to sign up for membership call toll-free or go to UnionPlus.org/MotorClub For more information visit UnionPlus.org 11

14 Insurance Accidental Death Insurance & Life Insurance Accidental Death Insurance Your members can enroll accidental death insurance and take advantage of up to $20,000* worth of no-cost accidental death insurance coverage, provided by Union Plus for one full year. No medical exam. No hassle. Members can also purchase up to $200,000 in additional coverage at affordable group rates. Underwritten by The Hartford, a leading insurance and investment company. $10,000 all-cause coverage for death due to any type of accident Additional $10,000 in accidental death coverage while actively at work Life Insurance Union members get competitive group rates for several types of life insurance coverage. Underwritten by The Hartford, a leading insurance and investment company. Term-to-70 Life Insurance Ages Flexibility to increase to age 70 without reapplying or losing benefits 10-Year Term Life Insurance Premium and benefits fixed for 10 years An excellent option during crucial years when family bills are at their highest Senior Term Life Insurance Age 55 and over no termination age Relieves financial burden on family s final expenses after death Range of coverage options Living benefit feature: collect benefits and pay no monthly premium during a terminal illness Insurance Assistance Union Plus Life Insurance and purchased AD&D policies, include special insurance assistance: Strike/Layoff Premium Waver: premiums waived 3 months to a year in the event of strike, layoff or lockout of 30 days or more Hospital Grants: available up to $1,000 for large, unreimbursed hospital bills Disaster Relief Grants: $500 grants for those affected by natural disasters For more information call toll-free or go to UnionPlus.org/Insurance Union Plus Insurance is underwritten by Hartford Life and Accident Insurance Company. The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. 12 Stay current on all of the Union Plus programs at UnionPlus.org

15 Insurance Auto Insurance DRIVE HOME SAVINGS Union Plus is committed to steering your members in the direction of rock-solid savings they can t get anywhere else. With our auto insurance program from 21st Century Insurance, members save $559 1 or more! Auto insurance quotes and rate comparisons are always free and all calls are answered in the U.S. Exclusive savings and benefits include: Driver Education Grants Up to $250 to take a driving course that can earn a 20% savings on auto insurance Courses include: Defensive Driving, Five Alive, Driver Training Flexible Policies Ideal for drivers with less-than-perfect records Choice of body shop or mechanic for accident repairs Insurance Assistance Deferred premium payments up to 2 months in the event of a strike or lockout 21st Century Security Advantage No additional charge for: 24-hour roadside assistance Emergency travel and medical assistance Identify theft restoration service 2 For service call toll-free or go to UnionPlus.org/AutoInsurance Available in all states except Hawaii and Massachusetts. Not available in Puerto Rico or Canada. The Union Plus Auto Insurance program is what having a union is all about. They have provided for my family for years, wonderfully I might add. Our annual premium is substantially less and we can receive grants and member benefits on top of it. Curtis Markley IOUE member, Ohio 1 National average of annual savings developed from information provided by new policyholders from 1/01/12 9/30/12 that shows they saved by switching to Union Plus Auto Insurance through 21st Century Insurance and may not be inclusive of variances in coverages or benefits. 2 Not available in NY. For more information visit UnionPlus.org 13

16 Legal & Education Free & Discounted Legal Services Free initial consultation, up to 30 minutes Free simple document review; free resolution follow up 30% off attorney s hourly rates Access to over 2,000 union-approved law offices nationwide No enrollment fee or sign-up required To locate a lawyer call , 9 a.m. 7 p.m. (EST) M F, or go to UnionPlus.org/Legal Scholarships Union Plus makes the dream of higher education a reality for your union members and their families by providing financial assistance through scholarships and discounts that really make the grade! Our education benefits go the distance to create a brighter outlook for the future. ACHIEVING THE DREAM Union Plus Scholarship Program $150,000 awarded annually Award range: $500 $4,000 Applies to 2- and 4-year colleges, graduate, technical and trade schools Deadline to apply: Jan. 31 To learn more or to apply, go to UnionPlus.org/Scholarships Union Plus National Labor College Scholarship $25,000 awarded annually to students attending the National Labor College Applies to dues-paying union members interested in enrolling in the National Labor College Awards based on financial need To learn more call or go to UnionPlus.org/Scholarships College Test Prep Discounts 15% to 60% savings on college and graduate school test prep courses from The Princeton Review Classroom, online and private tutoring for SAT, ACT, GMAT, LSAT, GRE and MCAT Higher score money-back guarantee Union members, spouses and their children are eligible for the discount Son of a retired USW officer, this college bound student remembers shadowing his father as they went to union meetings and met with workers. During my dad s tenure as a union officer, I saw that a local union presence made a difference in the lives of the workers, spanning generations. Robert Sean Tyler Union Plus Scholarship recipient To enroll, learn more or try a free practice test, call or go to UnionPlus.org/CollegePrep Financial Aid and College Admissions Seminars Provides answers to questions about financial aid and applying for college Prevent mistakes in the application process Save 50% on College Affordability and Admissions Courses To learn more visit UnionPlus.org/CollegePrep 14 Stay current on all of the Union Plus programs at UnionPlus.org

17 Health Health Savings Discounts Let Union Plus help cut the rising cost of health care for your union members with and without insurance! Our four discount programs can help union members and their families save money to cover out-of-pocket costs or expenses not covered by insurance. Please note these programs are not insurance 1. Prescription Discount Card No cost 20% off brand name drugs 40% off generic drugs Greater savings by mail order (online only) 55,000+ participating pharmacies nationwide To print your no cost prescription card, visit UnionPlus.org/RxCard Vision Care Pay just $14.95 a year for the entire household, includes the Prescription Discount Card 20% to 40% off retail on eye exams, eyewear and contact lenses 50,000+ providers nationwide 25% off hearing exams and hearing aids Save 20% to 50% on foot and ankle care Save 20% to 40% on medical and diabetic supplies Dental Care Pay just $69.95 a year for the entire household, includes all of the Vision Care benefits Save 20% to 50% on most standard dental procedures Discounts include: annual exams, cleanings, x-rays, extractions, crowns, orthodontics and more 62,000+ participating providers Access to 24-hour Nurse Helpline Physician and Hospital Discounts Pay just $17.95 a month (or $ a year) for the entire household, includes all of the Dental Care benefits Great for those with no or limited health insurance Discounts with large network of participating doctors, hospitals and labs (not available in MD and WV) Discounts on ancillary service providers such as labs, x-rays, MRIs and more To learn more or to join, call or go to UnionPlus.org/HealthSavings Medical Bill Negotiating Service FREE assistance negotiating bill reductions with physicians, hospitals and other medical providers. Applies to out-of-pocket medical bills over $400 To learn more or to sign up for FREE, go to UnionPlus.org/BillNegotiator Health Club Discounts Discounts at more than 10,000 fitness clubs Up to 60% off initiation fees; up to 30% off monthly fees 10% off NutriSystem weight loss program To learn more or to join call toll-free or go to UnionPlus.org/HealthClub 1 This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR The plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. You may access a list of participating health care providers at afscme.org/ advantage. Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund. Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone The program and its administrators have no liability for providing or guaranteeing service by providers or the quality of service rendered by providers. This program is not available in Montana and Vermont. This plan is not currently available in Washington. This program *Medicare statement applies to MD residents when pharmacy discounts are part of program. For more information visit UnionPlus.org 15

18 Entertainment & Travel Entertainment Discounts Save up to $19 per ticket at 50 of the most popular theme parks including Disney, Sea World and Busch Gardens Save up to 48% on movie tickets Gift certificates to hotels, restaurants, Broadway shows, sporting events and more Savings on top Vegas tours and attractions Plus, save on theater, sports, city attractions and more VACATION DISCOUNTS The magic of Broadway, Disney, the movies and many other attractions are made possible by the work done by hundreds of thousands of union members. To register for discounts call toll-free or go to UnionPlus.org/Entertainment Travel Discounts Save up to 25% off car rentals at Alamo, Avis, Budget, Enterprise, Hertz and National (See page 11 for more details) Book airfare, hotels Save $150 on over 120 guided tours worldwide Save 15% on condo rentals worldwide Entertainment discounts on movies, theme parks and more (see details above) I always check the travel deals on Union Plus to see what rental car discounts are available to union members. Wendy Charles SAG-AFTRA member, New York Support the union members of UNITE HERE and the other unions who make your hotel stay comfortable by staying at a union hotel. For a union hotel guide go to hotelsworkersrising.org/hotelguide. To book travel go to UnionPlusTravel.com 16 Stay current on all of the Union Plus programs at UnionPlus.org

19 Stay informed and get valuable tools to promote your union benefits Union Plus makes it as easy as 1, 2, 3 1 Sign up for free Leader Update s Go to UnionPlus.org/Enews or text UNION to for mobile alerts* 2 Order FREE materials to promote Union Plus consumer benefits to your members Go to UnionPlus.org/Order 3 Get a FREE online Leader Toolkit with ads, flyers, web banners and more to spread the word about all of the Union Plus benefits available to members and their families. Go to UnionPlusLeaders.org Take advantage of the valuable Union Plus resources and tools available to you today. Make your union member benefits work to your advantage! *Msg&Data Rates May Apply. Reply STOP to opt-out. Reply HELP or contact info@unionplus.org for help. Expect no more than 2msgs/mo.

20 UnionPlus.org/USW 1100 First Street, NE Suite 850 Washington, DC Phone: (202) Fax: (202) Union Printed in the U.S.A. USW-LDRGDE-L0813