A REFERENCE GUIDE FOR EVERYTHING YOU NEED TO KNOW ABOUT YOUR UNION BENEFITS! SAVING MONEY FOR MY FAMILY IS IMPORTANT DETAILS INSIDE

Size: px
Start display at page:

Download "A REFERENCE GUIDE FOR EVERYTHING YOU NEED TO KNOW ABOUT YOUR UNION BENEFITS! SAVING MONEY FOR MY FAMILY IS IMPORTANT DETAILS INSIDE"

Transcription

1 TRADES ALLI ED PR I NTING N E W U N I O N L A B E L COUNCIL Office and Professional Employees International Union (OPEIU) Local 153 A REFERENCE GUIDE FOR MEMBERS EVERYTHING YOU NEED TO SAVING MONEY FOR MY FAMILY IS IMPORTANT DETAILS INSIDE KNOW ABOUT YOUR UNION BENEFITS! Created by: Joelle Sano Y O R K 506

2 A Reference Guide for Members Everything You Need to Know About Your Union Benefits By Joelle Sano Inspired by Michael Goodwin President Office and Professional Employees International Union, AFL-CIO, CLC 2009 Office and Professional Employees International Union

3 HIGHLIGHTS OF BENEFITS Specially provided benefits include: Discount Dental Program (p. 14) Discount Optical (p. 14) A $6,000 death benefit (p. 16) A $6,000 accidental death and dismemberment benefit (p. 16) A $300 disability benefit (p. 16) A Defensive Driving Course (p. 22) Auto Insurance Discount (p. 22) Scholarships (p. 29) Working Advantage Discounts (various pages) ID Theft Protection (p. 42)

4 CONTENTS Types of Benefits 1 OPEIU Local 153 members are eligible for ALL of these benefits! 1 Chapter 1: Auto Benefits 2 Buying a New or Used Car Renting a Car Service/Repairs Discounts Chapter 2: Computer, Phone and Internet Benefits 4 Dell Computers AT&T Wireless Discounts Chapter 3: Money and Credit 5 Credit Card Credit Counseling Financial Advisement and Tax Preparation Union Made Checks Chapter 4: Food/Drink Restaurant Discounts 8 Restaurants.com Gift Certificates Gourmet Foods Local Restaurant Discounts Chapter 5: Flowers 13 Chapter 6: Health and Well Being 14 HealthClub/Gym Discounts Dental Savings Vision Savings Prescription Card Savings Chapter 7: Death and Disability Benefits 16 Death Benefit Accidental Death Benefit Disability Benefit Chapter 8: House and Home 17 Home Buying Discounts and Benefits Discounts on New Furniture Moving Storage Home Heating System & Fuel Discounts Chapter 9: Insurance Benefits/Discounts 22 Accident Insurance Auto Insurance Pet Insurance Chapter 10: Legal Services 25 Legal Consultation

5 Chapter 11: Education Services 28 Student Scholarships College Planning Center Powell s Bookstore Chapter 12: Pet Services 33 Pet Insurance Chapter 13: Recreation and Entertainment 34 Movie Tickets Theater/Show Tickets Movie Rentals Sports & Recreation Zoos Theme/Waterpark Tickets Chapter 14: Shopping 37 Online Shopping Clothing Chapter 15: Travel 39 Hotels/Lodging Tours/Vacations Cruise Discounts Theme/Amusement Park Tickets Travel Centers City Passes Transportation (Rental Cars, Train Tickets Airfare) Great Adventure Chapter 16: ID Theft Protection 41

6 TYPES OF BENEFITS: There are many benefits and services available to OPEIU Local 153 members that are briefly explained in this guide. It is organized by the discounted product/service the benefit provides; such as food discounts, health care savings, and automobile discounts. The levels of discounts available to you are outlined below for your information. OPEIU Local 153 members are eligible for ALL of these benefits! Union Plus The AFL-CIO provides these benefits. Many discounts and deals are offered from discounted car rentals to college scholarships. For general information visit unionplus.org Working Advantage Discounts The AFL-CIO provides these benefits. These benefits span from savings on theme park tickets to online shopping discounts. For general information, visit workingadvantage.com. When registering use company ID Local 153 Benefits Local 153 provides these benefits. These benefits range from group auto insurance deals to dental care discounts. Please be advised that the benefit information referred to in this manual was current at the time of its publication but is subject to change without notice. For up-to-the minute benefit and eligibility information, please log on to the vendors website stated in this manual. In addition, please be aware that new benefits are being negotiated on a regular basis. Please watch for benefit enhancements and improvements in the Local 153 News. 1

7 CHAPTER 1 AUTO BENEFITS Benefits in This Chapter Discounts when purchasing a new or used car Discounts when renting a car Towing/Service Calls Service/Repairs discount Auto Insurance Automobile benefits are available for members for everything from buying a new car to getting your car washed or serviced. These benefits and others are outlined below. 1. Purchasing a New or Used Car *Union Plus Auto Buying Discount Includes purchases of new and used cars, RVs, boats, motorcycles, commercial, and agricultural vehicles. Through the program, Local 153 members will receive pre-negotiated, best-market pricing on new or used vehicles (cars, trucks, commercial, agricultural, RVs, boats, motorcycles, etc.) without having to negotiate with the dealer. A personal Vehicle Advisor will assist members throughout the entire buying or leasing process, from selection to final delivery. Program Features Pre-negotiated fleet pricing on most new vehicles purchased or leased through the program, typically 2 to 3 percent over dealer invoice. Used vehicle pricing at 4 percent over the cost of the vehicle at auction plus dealer preparation. Assistance from the program s Vehicle Advisors throughout the process. How the Program Works Before visiting a dealer, please contact Vehicle Advantage at: vehicleadvantage.com or call When requested, please refer to Group ID number RU-502. The program helps members save by using pre-negotiated fleet pricing for new and used vehicles at dealers across the country. Once the member submits a vehicle order form, the Vehicle Advisor assists the member in selecting a new or used vehicle and options. The Vehicle Advisor will then locate the vehicle at a dealer in the member s area and negotiate a price based on fleet pricing for new vehicles and at near auction cost for used vehicles. The dealer signs a contract agreeing to the price and the Vehicle Advisor reports the pre-negotiated price to the member. Once the details are acceptable to the member, the Vehicle Advisor sets up a mutually agreeable delivery appointment between the member and the dealer. The member goes to the dealership and inspects and test drives the vehicle and the transaction and delivery is completed. If the member decides not to purchase that vehicle, they may start the process again with the Vehicle Advisor. While the program can provide an excellent value for a vast majority of members, it may not appear to provide the lowest price for those members who want to take the time to haggle from dealer to dealer. Also, some vehicles may be in such demand that they require premium pricing. However, even for buyers who make car buying a sport, the program can provide an excellent price point to start from. 2. Auto Insurance Huge Savings for Local 153 members! (Please see pages 22-24) 2

8 3. Renting a Car Union members enjoy up to 25% in savings with rental car discounts from Union Plus and the discount car rental providers: Alamo Rent a Car, Avis Rent a Car, Budget Car Rental, Enterprise Rent-a-Car, Hertz Rental Car and National Car Rental. Whether it s a car, van, SUV or truck rental, working families can get good rental car deals and drive in style for less. Discount rental car rates and savings vary depending on the type of car or vehicle, time of year, location and length of car rental reservation. *Alamo Car Rental (reference contract I.D. # ) *Avis Car Rental (reference union I.D. # B723700) *Budget Car Rental (reference union I.D. # V816100) *Enterprise Car Rental *Hertz Car Rental (reference union I.D. # ) *National Car Rental (reference contract I.D. # ) TIP! Instant Savings: Calling or ordering your rental cars online in advance also means you pay less than at the counter and you can upgrade to a better car for only a couple bucks. When you order online, you can also print out your rental car reservation confirmation for your records and to reference when you pick up your car from the Avis or Budget Car Rental location. TIP! Union members can also choose to use their Union Plus Credit Card (see page 13) when they make their reservations for Avis, Budget or Hertz rental cars and automatically get the discount. 4. Service/Repairs/Local 153 s Free Towing/Service Benefit Local 153 members are entitled to the use free of charge up to two towing/service calls per year, per household, valued at up to $100 each. This benefit applies to all Local 153 members, as well as family members living in the same household. The program is provided through Nation Safe Drivers (NSD), and it began in October, 2010, when all Local 153 members received in their home mail a membership key card, number and producer code. To use the program, just use your convenient key card! If you joined Local 153 after October, 2010, if you lost your key card or if you would just like more information about the free towing service benefit, call

9 CHAPTER 2 COMPUTER, PHONE AND INTERNET BENEFITS Benefits in this Chapter Dell Computers Cell Phones-AT&T Wireless Telephone- Union Voice Broadband Telephone Service Internet-Union Plus.net 1. Dell Computers The Union Plus Computers & Tech Program, in conjunction with Dell, now offers 10%-30% discount to union members on selected products purchased through Dell. For more information visit unionplus.org/computers To browse Dell selections online and order, visit dell.com. Or contact a sales rep by calling TIP! -When ordering online and over the phone, you must reference member ID: PS AT&T Wireless Discounts Union members can receive a special 15% discount on service from AT&T Wireless, the only wireless company that can, and does, proclaim that it is Proud to Be Union. The 15% discount is available off the regular monthly rate for any AT&T individual or family plan. Only unionized wireless service company Proud to be Union 15% discount off regular monthly rate for all AT&T wireless individual or family plans* The 15% discount includes plans for the new iphone 4 Union member-only savings on AT&T cell phones and cell phone accessories available online Unique labor union member advocate program that helps you with AT&T wireless customer service and reference FAN number: Note!!!! Current AT&T customers will need to renew their contract to be eligible for the discount. For more information call ( ) or visit unionplus.org/att-wireless.cfm. Please be advised that the benefit information referred to in this manual was current at the time of its publication but is subject to change without notice. For up-to-the minute benefit and eligibility information, please log on to the vendors website stated in this manual. In addition, please be aware that new benefits are being negotiated on a regular basis. Please watch for benefit enhancements and improvements in the Local 153 News. 4

10 CHAPTER 3 MONEY AND CREDIT Benefits in this Chapter Credit Card Credit Counseling Financial Advisement & Tax Preparation Union Made Checks 1. Credit card Union members have the benefit of the Union Plus Credit Card from HSBC Card Services, designed exclusively for working families. To apply for this card or for more information, visit unionpluscard.com Some of the benefits of this credit card include: No annual fee Scholarship program Exclusive member rates and benefits Free additional cards Money-saving balance transfer offers Money-saving discounts 100% protection against fraud Strike-payment protection Grace period on new purchases Skip-payment options Extended warranty Triple Plus Service The Union Plus Credit Card Promises excellent customer service including: All customer service calls answered by representatives in the United States. 24-hour personal customer service by phone or online Member advocates - staffed by fellow union members help members with issues such as charge disputes. Merchant dispute assistance. Manage your Union Plus Credit Card account, view statements or even pay your bill online. Safety Net The card also offers a special safety net for disabled workers and others facing financial hardship and a unique union benefits for laid off workers or workers on strike. For workers on strike: Strike skip-payment plan available to members of most unions during union-sanctioned strikes or lockouts of 30 consecutive days or more, as long as the account is in good standing. (Finance charges continue to accrue, but no penalty fees apply.) You can skip up to three consecutive months in a row, and a total of four months in a year. To access the benefit: Call to discuss your situation with a customer care representative. You must make a payment after the third consecutive strike skip month and then you can access the fourth skip month. During each skip-payment month, you must notify the bank that the strike is going on and that you intend to exercise the strike skip-payment option. For laid off workers: Skip up to two monthly payments a year, as long as the account is in good standing. (Finance charges continue to accrue, but no penalty fees apply.) To access the benefit: Call during each month you want to skip a payment. You must notify 5

11 the bank you want to skip a payment, unless it is offered to you on your statement. The Union Plus Credit Card Program has expanded the safety net designed to assist union member cardholders facing financial hardship. With unique protections like these designed especially for working Americans, Union Plus offers a credit card unlike any other available to union members. Other Safety Net features include: Lifeline Trust: Assists members who experience a significant loss of income due to a long-term illness or prolonged disability.* Disaster Relief Fund: Helps members affected by a natural disaster Secured credit card: Helps build and repair credit. (See Special Section) Free credit counseling: Helps members get control of their finances and develop a budget Consumer credit education: Helps members understand and manage borrowing, spending and credit 2. Credit Counseling The Union Plus Credit Counseling program was designed exclusively for union members and their families. The program helps members learn more effective ways to manage money and also ways to save for the future. Free Initial Counseling Session Union Plus Credit Counseling program will provide members with a free one-hour initial counseling session. During that session members will receive: A complete financial review and budget analysis Advice on how to work with creditors A written action plan with timelines for reaching their goals Referrals to appropriate organizations/programs that may be able to help them (if needed) Debt Management Plan (DMP) If members need additional assistance, a counselor will work with them to develop a DMP to reduce their debt liabilities. For a small fee, MMI will negotiate with the member s creditors on their behalf, disburse the member s funds to creditors on their behalf, and work with creditors to stop the collection calls. Members will receive a 33 percent union-member-only discount off the initiation fee. Financial Help They Can Trust For over 46 years, Money Management International (MMI) and its family of Consumer Credit Counseling Services (CCCS) agencies have helped consumers nationwide by providing high quality, comprehensive credit counseling, education and debt management assistance. MMI is a member of the National Foundation for Credit Counseling (NFCC) and the Association of Independent Consumer Credit Counseling Agencies (AICCCA). The certified credit counselors at MMI are available to help members get through their maze of financial challenges 24-hours-a-day, 7-days-a-week. 3. Financial Advisement & Tax Preparation Union Plus authors several ndiscount programs from time to time regarding tax preparation. Members should remember at tax time to visit the Union Plus website to see what services and discounts are available. The Union Plus website is unionplus.org. 6

12 4. Union Made Checks Members can show their union pride with every check they write. The competitively priced union-printed checks feature a pro-union message in addition to your union s logo Plus you can customize with photos of your children or pets. You can also order convenient return-address labels with a similar design. Union-made personal checks: 200 one-part checks starting at $9.95 (plus shipping & handling) Union-made business checks: Available in single-page laser & 3-to-a-page ledger styles. Return-address labels: 240 count = $10.95 (plus shipping & handling) For ordering information, call or Print and fill out an order form at unionplus.org/moneycredit/union-made-checks If using the order form obtained on-line, after completing the form mail it along with the following items to: The Union Shop P.O. Box 9867 Baltimore, MD Check or money-order payment for checks and/or return-address stickers A voided check from your current checkbook (to provide proper account numbers) Allow three weeks for delivery Please be advised that the benefit information referred to in this manual was current at the time of its publication but is subject to change without notice. For up-to-the minute benefit and eligibility information, please log on to the vendors website stated in this manual. In addition, please be aware that new benefits are being negotiated on a regular basis. Please watch for benefit enhancements and improvements in the Local 153 News. 7

13 CHAPTER 4 FOOD AND DRINK/RESTAURANTS DISCOUNTS Benefits in this Chapter Restaurants.com Gift Certificates Gourmet Foods Local Restaurants 1. Restaurants.com-Working Advantage Benefit Restaurants.com has gift certificates for restaurants all over the country! Union members can save up to 65% off certificates at Restaurants.com. Purchase these discounted gift cards online and use them at hundreds of restaurants all over the country! There are over 1000 participating restaurants nationwide! Buy a $25 Gift Certificate for any of these restaurants for only $10!!! 2. Gift Certificates for National Chain Restaurants Working Advantage also offers discounts and free shipping on gift certificates for several national chain restaurants. These can be purchased at workingadvantage.com by clicking on gift certificates under the heading GIFTS on the left side of the screen. In order to purchase you will need to register with the website. You will be asked for your Corporate Member ID number which is: Some of the restaurants offering discounted gift certificates through Working Advantage include: Buca di Beppo Gift Card: Free Shipping Chili s Grill & Bar Gift Card: Free Shipping Bonanza Steakhouse Gift Card: Free Shipping Bertucci s Gift Card: Free Shipping Applebee s Neighborhood Grill & Bar Gift Card: Free Shipping Uno Chicago Grill Gift Card: Save 10% The Panera Card from Panera Bread : Free Shipping T.G.I Friday s Gift Card: Free Shipping Starbucks Card: Free Shipping Steak and Ale Gift Card: Free Shipping Smokey Bones Gift Card: Free Shipping Romano s Macaroni Grill Gift Card: Free Shipping Red Lobster Gift Card: Free Shipping Ponderosa Steakhouse Gift Card: Free Shipping Olive Garden Gift Card: Free Shipping On The Border Mexican Grill & Cantina Gift Card: Free Shipping McCormick & Schmick s Gift Card: Free Shipping Ninety Nine Restaurant & Pub Gift Card: Free Shipping O Charley s Gift Card: Free Shipping LongHorn Steakhouse Gift Card: Free Shipping Legal Sea Foods Gift Certificate: Free Shipping 3. Gourmet Food/Gift Baskets workingadvantage.com offers discounts on many online food websites, specializing in gift baskets and meal preparation. 8

14 To purchase or for more information visit workingadvantage.com and click on Food under the title Shopping Partners on the left side of the screen. Some of these discounts include: Boca Java - Gourmet Coffee, Tea and Cocoa 20% off, Free shipping on $40 BuyCostumes.com Save 10% on $40+, BOGO Sexy Costume 25% off BuyWithMe.com Save up to 90% in Boston, NYC, Philadelphia, San Diego or Washington D.C. Cambridge Soundworks Free shipping Cherry Moon Farms 15% on Gourmet Gifts & Baskets $24.99+, Halloween Treats are in! Coca-Cola Store Free shipping over $40 Coffee For Less 5% off any order, Free shipping on $50+ Cooking.com Save up to $40, Free shipping on $99+ Corso s Cookies 10% off, Halloween goodies are here Costume Express 10% off $50 Dancing Deer Baking Co. 15% off cakes, cookies & more, $10 off $ David s Cookies 13% off your order ediets 25% off an online plan Entertainment Book - local discounts Free Restaurant.comCertificate Fannie May Fine Chocolates $10 off $50+, Free Gift Flavia - The Café of Choice Free shipping on $75+ Gevalia Coffee Save up to 25% GourmetGiftBaskets.com $10 off $80, $5 off $40, 20% Off Coffee and Chocolate Baskets Hammacher Schlemmer Free shipping on $100+ Harry & David 20% off orders $50+, Great for Halloween treats High Plains Bison - Burgers, Steaks & More Free shipping on all orders Kansas City Steak Company $4.95 Shipping Kmart $5 off $50+, $15 off $100+, 10% off select items, Save on shoes, EXTRA 10% off LEGO + Fisherprice 9

15 KOHL S 20% off w/kohls Charge, 15% off $100+ Lenox Free Soup Bowl + Free Shipping on $75 on up Lobster Gram Save up to 35%! Lobsters Online 5% off $50+ Mighty Leaf Tea 25% off, Free Shipping Mrs. Beasley s 15% off your order, Free $20 GC w/ $130+ order, free shipping on select gifts My M&M S $5 off $50+, $15 off $99+, Buy 3 get 1 free + more MyWinesDirect.com Up to 15% off + free shipping Nutrisystem 3 free weeks Omaha Steaks Exclusive combos starting at $ FREE gifts! Free shipping on $79+ Oneida Flatware Oriental Trading Co. Free delivery + $5 off $59+, Free delivery on $49+, a great place for halloween candy & more Peapod $10 off first order Restaurant.com Additional 80% off $25 gift certificates and pay only $2! Thru 10/25 Safeway $5 off + Free delivery for groceries, Free delivery for groceries Shari s Berries Save 15% on Hand-Dipped Berries & Gourmet Gifts $24.99+, Get your Halloween treats here Shindigz Party Supplies & Decor 10% off $100, Free shipping on $85+, Deal of the Day Superior Nut Company 5% off The Fruit Company 10% off dipped fruit, Fruit of the month + free shipping The Hershey Store 10% off your order The Knot Wedding Shop Save on wedding favor, decor & more Urban Outfitters 20% off $100+, Free Shipping on $75+ Vitamin Shoppe Free shipping on $99+ Weight Watchers Save over 25% on Weight Watchers Online, or choose unlimited meetings with Monthly Pass 10

16 Wisconsin Cheeseman Gifts Save $5! Zazzle 10% off Halloween t-shirts and treat bags, 15% off Harry Potter Merchandise, 30% off calendars, 35% off Holiday cards, Free shipping on $50+ Zinio.com - Digital Magazines $5 off select titles, up to 90% off plus free issues! The Grilling Collection Regular Price: $ Working Advantage Price: $ (5 oz.) Top Sirloins 4 (4 oz.) Boneless Pork Chops 2 (4.5 oz.) Stuffed Sole with Scallops and Crabmeat 8 (3 oz.) Gourmet Franks 4 (4 oz. approx.) Boneless Chicken Breasts 4 (5.75 oz.) Stuffed Baked Potatoes Make any gathering memorable with The Grilling Collection, an assortment of delicious gourmet items from Omaha Steaks! All of your favorites are included in this package; our flavorful Top Sirloins, juicy Pork Chops and Chicken Breasts, premium Stuffed Sole, delicious Stuffed Baked Potatoes and famous Gourmet Franks. With that variety, you re sure to thrill your grill, your family and your guests Example of Member savings from Omaha steaks The Gourmet Banquet: Regular Price: $ Working Advantage Member Price: $79.99 This product contains the following items: - 2 (5 oz.) Filet Mignons - 4 (5 oz.) Top Sirloins - 4 (4 oz.) Boneless Pork Chops - 4 (4 oz.) Boneless Chicken Breasts - 2 (4.5 oz.) Stuffed Sole with Scallops and Crab - 8 (3 oz.) Gourmet Franks - 4 (4 oz.) Omaha Steaks Burgers - 10 portions Potatoes au Gratin * BONUS * Members also receive a 3 free gifts-6 quarter-pound Omaha Steaks Burgers, a 6-Piece Cutlery Set and a Cutting Board! Just select FREE GIFTS at online checkout Please be advised that the benefit information referred to in this manual was current at the time of its publication but is subject to change without notice. For up-to-the minute benefit and eligibility information, please log on to the vendors website stated in this manual. In addition, please be aware that new benefits are being negotiated on a regular basis. Please watch for benefit enhancements and improvements in the Local 153 News. 11

17 4. Local Restaurants Working Advantage offers hundreds of dining discounts in the Tri-State Area. We have provided a small sample of some restaurants but look at workingadvantage.com to discover more discounts on restaurants in your neighborhood! Show your Working Advantage to receive these discounts! Ghost Chili Mexican Grill (1706 Veterans Memorial Hwy, Islandia, NY ) Higbie Bagels (264 Higbie Lane, West Islip, NY 11795, ) Texas Rotisserie & Grill (2581 Broadway, New York, NY 10025, ) Lotus Restaurant (345 Conklin St., Farmingdale, NY 11735, ) Samurai Hibachi (46 Gerard Street, Huntington, NY 11743, ) Taishow Hibachi (4318 Merrick Road, Massapequa, NY 11758, ) Shiki Japanese Restaurant (97 East Main Street, Smithtown, NY 11787, ) Hana Japanese Restaurant (21 Oakland Avenue, Port Jefferson Station, NY ) Frankie s Eastside Pizza (313 Main Street, Farmingdale, NY 10735, ) The Salad Factory (695 Roosevelt Ave., Carteret, NJ 07008, The Runway Restaurant and Bar (1100 Terminal Circle Drive, West Trenton, NJ 08628, Chuck E. Cheese (Different places throughout the Tri-State Area) Marita s Cantina (1 Penn Plaza, New Brunswick, NJ 08901, Bella s Burger Shack (52 South Finley Ave, Basking Ridge, NJ 07920, ) Saray Turkish Restaurant (770 Campbell Avenue, West Haven, CT 06516, ) Turkish Kebab House (1157 Campbell Avenue, West Haven, CT ,

18 CHAPTER 5 FLOWERS Flowers UnionPlus Flower Service ( or unionplus.org/flowers) Members save 15% per order when sending flowers and also get an unconditional 100% satisfaction guarantee. Offers same day flower-delivery service for orders received before noon (in delivery time zone) TIP! Save $1.00 off service and transmission fee by ordering online rather than by phone Offers international service with 3 day delivery guarantee * Note: International Orders can only be taken over the phone and not applicable to $1.00 extra discount. unionplus.org/flowers offers my account secure online site section where members can store addresses and send themselves gift/date reminders. It can also store flower order history that can only be opened with a password chosen by the member. Member Testimonial I used the UnionPlus flower service to send flowers to my daughter before her college finals. The flowers were beautiful and the price was much cheaper than if I called a florist myself or used another online service. Linda, wife of OPEIU Local 153 member Please be advised that the benefit information referred to in this manual was current at the time of its publication but is subject to change without notice. For up-to-the minute benefit and eligibility information, please log on to the vendors website stated in this manual. In addition, please be aware that new benefits are being negotiated on a regular basis. Please watch for benefit enhancements and improvements in the Local 153 News. 13

19 CHAPTER 6 HEALTH AND WELL BEING Benefits in this chapter Health Club/Gym Discounts Dental Savings Vision Savings Prescription Card Savings 1. Health Club/Gym Discount UnionPlus Globalfit Members receive discounts to over 1,500 health clubs/gyms nationwide! Visit globalfit.com/unionplus or call Note! Tell representative that you re a Union Plus Member. The Union Plus Health Club Discount gives you: -A pre-negotiated 20-60% discount on initiation and monthly fees at over 1,500 health clubs nationwide -The flexibility of a month-to-month membership. No long-term commitment necessary. -Access to the GlobalFit s Travel Program when visiting cities across the country -Ability to conveniently freeze,* transfer or cancel your gym memberships. -Additional discounts for family members. -Membership fees can be billed to monthly credit card or bank account. * Not available at all clubs. **NOTE: To receive your union-member discounted rates, you must enroll through GlobalFit, not directly through the club. These rates are not available to the general public. This offer is for NEW club members and is not available for current club members. For more information or to enroll, visit globalfit.com/unionplus OR call Tell representative that you re a Union Plus Member 2. Local 153 Dental Benefits Dental Care Top quality Dental Care at reasonable prices may be obtained by members at the following Manhattan location: Group Health Dental Facility West 41st Street (Between 7th & 8th Avenues) (GHI Type M-I and Spectrum accepted as payment-in-full for most services) Dental Access Plan Offers members a means of reducing the high costs of dental care through a network of dentists and specialists who allow substantial savings up to 33% on your dental care. For more information contact the union at (212) Ext Local 153 Vision Benefits Vision Care Top quality visions services are now available to Local 153 members at General Vision services in all five boroughs, Westchester County, Long Island, and New Jersey. Members of the Local 153 Health Fund receive varying benefits, depending on the plan. Non-members of the Health Fund receive discount. If you are a Health Fund member, contact (212) for details. If you are not a Health fund member contact (212) Ext

20 Choose a Union Plus Health Savings program that s right for you including advice on how to handle insurance and your bills. Union Plus Prescription Card Download a no-cost prescription discount card and start saving at participating pharmacies. The Union Plus Prescription Discount Card Difference: If you lack insurance for prescriptions, this no-cost card helps union families save an average of 20% off brand name drugs and 40% off generic prescription drugs. More savings if you use mail-order prescriptions. Savings available at over 55,000 participating pharmacies nationwide. Find a pharmacy near you. Union family members including spouses, domestic partners, children (of any age), parents, aunts and uncles of union members are eligible for the no-cost prescription discount card. Union Plus Hospital Care Grants If you re a union member with a large, uncovered hospital bill, the Union Plus Hospital Grant could help. Battling rising health care costs? Union Plus programs can help you save at participating health providers in your area. Simply choose a Union Plus Discount program below: No cost prescription discount card helps you save at participating pharmacies Vision Discounts helps you save on vision care, prescription drugs, hearing care and more Dental Discounts includes everything in the vision program, plus dental care discounts Physician and Hospital Discounts - includes everything in the dental program, plus physician and hospital care discounts NOTE: These plans are not insurance and do not replace insurance. Please be advised that the benefit information referred to in this manual was current at the time of its publication but is subject to change without notice. For up-to-the minute benefit and eligibility information, please log on to the vendors website stated in this manual. In addition, please be aware that new benefits are being negotiated on a regular basis. Please watch for benefit enhancements and improvements in the Local 153 News. 15

A REFERENCE GUIDE FOR EVERYTHING YOU NEED TO KNOW ABOUT YOUR UNION BENEFITS! SAVING MONEY FOR MY FAMILY IS IMPORTANT DETAILS INSIDE.

A REFERENCE GUIDE FOR EVERYTHING YOU NEED TO KNOW ABOUT YOUR UNION BENEFITS! SAVING MONEY FOR MY FAMILY IS IMPORTANT DETAILS INSIDE. TRADES ALLI ED PR I NTING N E W UNION LABEL COUNCIL Office and Professional Employees International Union (OPEIU) Local 153 A REFERENCE GUIDE FOR MEMBERS EVERYTHING YOU NEED TO SAVING MONEY FOR MY FAMILY

More information

USW 3657 Union Plus Benefits Savings. Service. Solidarity.

USW 3657 Union Plus Benefits Savings. Service. Solidarity. USW 3657 Union Plus Benefits Savings. Service. Solidarity. Congratulations! Because you are a current or retired union member, you and your family are automatically eligible to start using your union's

More information

Car Rental Deals Save up to 25% on car rentals with discounts from Alamo, Avis, Budget, Enterprise, Hertz, & National.

Car Rental Deals Save up to 25% on car rentals with discounts from Alamo, Avis, Budget, Enterprise, Hertz, & National. AFM 369 Union Plus Benefits Savings. Service. Solidarity. Exclusively for current and retired union members and their families A union can help make your life better on the job - giving you the protection

More information

AFM local 369 Union Plus Benefits Savings. Service. Solidarity.

AFM local 369 Union Plus Benefits Savings. Service. Solidarity. AFM local 369 Union Plus Benefits Savings. Service. Solidarity. Congratulations! Because you are a current or retired union member, you and your family are automatically eligible to start using your union's

More information

INTERNATIONAL BROTHERHOOD OF TEAMSTERS

INTERNATIONAL BROTHERHOOD OF TEAMSTERS INTERNATIONAL BROTHERHOOD OF TEAMSTERS AFL-CIO OFFICE OF JAMES P. HOFFA GENERAL PRESIDENT Dear Fellow Teamster: Welcome to the International Brotherhood of Teamsters! The IBT is proud to endorse Teamster

More information

Greetings, NEA Member Benefits. Helping Make Members' Lives Better. Guy Kendall-Freas Affiliate Relations Specialist. NEA Member Benefits

Greetings, NEA Member Benefits. Helping Make Members' Lives Better. Guy Kendall-Freas Affiliate Relations Specialist. NEA Member Benefits NEA Member Benefits Helping Make Members' Lives Better Guy Kendall-Freas Affiliate Relations Specialist NEA Member Benefits OH/KY/WV Regional Office 1217 Monterey Dr. Mansfield, Ohio 44907 888-749-7380

More information

A REFERENCE GUIDE FOR EVERYTHING YOU NEED TO KNOW ABOUT YOUR UNION BENEFITS! SAVING MONEY FOR MY FAMILY IS IMPORTANT DETAILS INSIDE.

A REFERENCE GUIDE FOR EVERYTHING YOU NEED TO KNOW ABOUT YOUR UNION BENEFITS! SAVING MONEY FOR MY FAMILY IS IMPORTANT DETAILS INSIDE. TRADES ALLI ED PR I NTING N E W U N I O N L A B E L COUNCIL Office and Professional Employees International Union (OPEIU) Local 153 A REFERENCE GUIDE FOR MEMBERS EVERYTHING YOU NEED TO SAVING MONEY FOR

More information

B E N E F I T S Your Complete List of NEA and AFT + Member Benefits Programs and Services

B E N E F I T S Your Complete List of NEA and AFT + Member Benefits Programs and Services M E M B E R B E N E F I T S Your Complete List of NEA and AFT + Member Benefits Programs and Services M E M B E R B E N E F I T S NEA Member Benefits and AFT + Member Benefits provide a wide range of programs

More information

Decrease Your Expenses.

Decrease Your Expenses. Decrease Your Expenses. Do you find yourself running short on cash month-to-month? The solution is easy to identify but may be challenging to execute: increase your income and/or decrease your expenses.

More information

Guide for Homebuyers

Guide for Homebuyers Guide for Homebuyers Tips for Getting a Safe Mortgage You Can Afford Q u i c k S u m m a ry Figure out what you can afford. Contact at least 3 different lenders or brokers. When you call, say: I m buying

More information

Buying a Used Car. Before You Look For a Used Car, Consider

Buying a Used Car. Before You Look For a Used Car, Consider Buying a Used Car This guide explains your protections under the FTC's Used Car Rule and offers some shopping suggestions, even if you are not buying from a used car dealer. Before you begin looking at

More information

lesson nine cars and loans overheads

lesson nine cars and loans overheads lesson nine cars and loans overheads the cost of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit) Insurance Registration

More information

66 Ways to Save Money

66 Ways to Save Money A WorkLife4You Guide 66 Ways to Save Money For most kinds of purchases, you can get valuable advice and comparisons on the Internet. Ask a librarian or friends which Internet sites they think are helpful,

More information

Aetna Life Insurance and Accidental Death and Personal Loss (AD&PL) Insurance

Aetna Life Insurance and Accidental Death and Personal Loss (AD&PL) Insurance Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Aetna Life Insurance and Accidental Death and Personal Loss (AD&PL) Insurance HELPING YOU PRESERVE THE LIFESTYLE

More information

banking Better for Less member services, loans & benefits It s ALL inside. Everything you expect from your bank and more. www.lcfcu.

banking Better for Less member services, loans & benefits It s ALL inside. Everything you expect from your bank and more. www.lcfcu. It s ALL inside. Everything you expect from your bank and more. member services, loans & benefits Better banking for Less Loans. Deposits. Insurance. Investments. www.lcfcu.org a tradition of Service Library

More information

Procedure 20345: Moving and Relocation Expenses

Procedure 20345: Moving and Relocation Expenses Procedure 20345: Moving and Relocation Expenses The university may reimburse moving and relocation expenses in accordance with the Commonwealth of Virginia and Internal Revenue Service (IRS) policies and

More information

Motorcycle Insurance. made simple

Motorcycle Insurance. made simple Motorcycle Insurance made simple What s inside: How to read your Allstate Motorcycle Policy Declarations Understanding motorcycle insurance: Coverages Deductibles Coverage limits What to do in case of

More information

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up

More information

Consumer Math Notes 9.1-2. Purchasing a New Vehicle/ Dealer s Cost. A vehicle s shows all charges for the vehicle.

Consumer Math Notes 9.1-2. Purchasing a New Vehicle/ Dealer s Cost. A vehicle s shows all charges for the vehicle. Consumer Math Notes 9.1-2 Name Hour Purchasing a New Vehicle/ Dealer s Cost A vehicle s shows all charges for the vehicle. = the price of he vehicle s engine, chassis and any other standard equipment for

More information

products & services Building lifelong relationships one member at a time.

products & services Building lifelong relationships one member at a time. products & services Building lifelong relationships one member at a time. Joining CDC FCU For more than 60 years, CDC Federal Credit Union has been helping our members achieve their dreams with quality

More information

Home Buying Seminar. A presentation by The Summit Federal Credit Union

Home Buying Seminar. A presentation by The Summit Federal Credit Union Summit Branches are located in Rochester (7), Seneca Falls (1), Buffalo (3), Syracuse (5) and Cortland (2) Home Buying Seminar A presentation by The Summit Federal Credit Union What We Will Cover Today

More information

Frequently Asked Questions Auto Insurance

Frequently Asked Questions Auto Insurance STATE OF WISCONSIN Frequently Asked Questions Auto Insurance OFFICE OF THE COMMISSIONER OF INSURANCE PI-233 (C 03/2015) The Automobile Insurance Policy (page 1) Wisconsin's Financial Responsibility Law

More information

Presentation Slides. Lesson Nine. Cars and Loans 04/09

Presentation Slides. Lesson Nine. Cars and Loans 04/09 Presentation Slides $ Lesson Nine Cars and Loans 04/09 costs of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit)

More information

INTRODUCTION TO MEMBER SERVICES

INTRODUCTION TO MEMBER SERVICES INTRODUCTION TO MEMBER SERVICES WELCOME TO A A A The largest, most recognized and most trusted emergency road service organization in the nation. We look forward to providing you with outstanding service

More information

NAIC Consumer Shopping Tool for Auto Insurance

NAIC Consumer Shopping Tool for Auto Insurance NAIC Consumer Shopping Tool for Auto Insurance Need Auto Insurance? Here is What You Need to Know. Whether you are buying auto insurance for the first time, or shopping to be sure you are getting the best

More information

Home Buyer s. Helpful Information to Find and Finance Your Next Home. www.colonialnationalmortgage.com 1-800-937-6001

Home Buyer s. Helpful Information to Find and Finance Your Next Home. www.colonialnationalmortgage.com 1-800-937-6001 Home Buyer s H A N D B O O K Helpful Information to Find and Finance Your Next Home www.colonialnationalmortgage.com 1-800-937-6001 The information herein is subject to change and is not an offer to extend

More information

SIMNSA Health Plan & Other Benefits Summary of Coverage For Hourly TEAM Members Effective January 1, 2016

SIMNSA Health Plan & Other Benefits Summary of Coverage For Hourly TEAM Members Effective January 1, 2016 SIMNSA Health Plan & Other Benefits Summary of Coverage For Hourly TEAM Members Effective January 1, 2016 This Summary of Coverage contains only the highlights of the employee welfare benefit plans available

More information

made simple Auto Insurance What s included:

made simple Auto Insurance What s included: Auto Insurance made simple What s included: How to read your Allstate Auto Policy Declarations Understanding auto insurance: Coverages Deductibles Coverage limits What to do in case of an accident Frequently

More information

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance 1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California

More information

2012 Benefits Overview

2012 Benefits Overview Human Resources Benefits Office For Your Benefit 2012 Benefits Overview Registered Nurse Benefits Summary www.montefiore.org/whoweare/nursingstaff HR Recruitment & Staffing 3411 Wayne Ave Bronx, NY 10467

More information

For more help on saving and paying off debt, please visit www.norwaysavingsbank.com/resources_center/calculators/

For more help on saving and paying off debt, please visit www.norwaysavingsbank.com/resources_center/calculators/ For more help on saving and paying off debt, please visit www.norwaysavingsbank.com/resources_center/calculators/ Practical Savings Tips for Every Day Saving Try take-out once a month instead of dining

More information

Business Auto Insurance. made simple

Business Auto Insurance. made simple Business Auto Insurance made simple What s inside: How to read an Allstate Business Auto Policy Declarations Understanding business auto insurance: Deductibles Coverage limits Frequently asked questions

More information

Travelers Auto and Home Insurance Program. Enhance your member benefits, not your costs.

Travelers Auto and Home Insurance Program. Enhance your member benefits, not your costs. Travelers Auto and Home Insurance Program Enhance your member benefits, not your costs. A Plan for Your Credit Union Enhance your benefits program, not your costs It s a fact. Good benefits programs help

More information

Auto Insurance? Why do I need automobile insurance? Questions piling up on. What does my auto policy cover? Here's help

Auto Insurance? Why do I need automobile insurance? Questions piling up on. What does my auto policy cover? Here's help Questions piling up on Auto Insurance? Why do I need automobile insurance? First, it s the law. Illinois law requires all motor vehicle owners to have certain auto insurance coverages. There may be others

More information

Travelers Auto and Home Insurance Program. Enhance your benefits, not your costs.

Travelers Auto and Home Insurance Program. Enhance your benefits, not your costs. Travelers Auto and Home Insurance Program Enhance your benefits, not your costs. A Plan for Your Company Enhance your benefits program, not your costs It s a fact. Good benefits programs help attract and

More information

All About Auto Insurance

All About Auto Insurance All About Auto Insurance The legal responsibility involved when you are in a car accident is extraordinary. Basically, if you hurt someone else while driving, there s no limit to the amount he or she can

More information

CONSUMER S GUIDE TO AUTO INSURANCE

CONSUMER S GUIDE TO AUTO INSURANCE CONSUMER S GUIDE TO AUTO INSURANCE The Colorado Division of Insurance prepares this booklet to assist you in shopping for auto insurance and to help you understand your Personal Auto Policy. When shopping

More information

Four Steps to Reduce Your Debt

Four Steps to Reduce Your Debt Four Steps to Reduce Your Debt Overview Simple steps you can take to reduce your debt. Admit that you have a problem and commit yourself to fixing it. Stop debt spending. Make a spending plan. Pay down

More information

TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS

TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS In this packet... Introduction... 2 TDHCA s Homebuyer Assistance Options... 2 My First Texas Home (MFTH)... 2 Texas Mortgage Credit Certificate (MCC)... 2 Features of TDHCA s Homebuyer Assistance Programs...

More information

HOME OWNER INFORMATION WORKSHEET

HOME OWNER INFORMATION WORKSHEET HOME OWNER INFORMATION WORKSHEET Homeowner (A) Homeowner (B) Homeowner (A) Street Address City State Zip Code Homeowner (B) Street Address City State Zip Code Property Address (if different) City State

More information

Epsom Staff Association Epsom Staff Association Benefits Package Your Benefits

Epsom Staff Association Epsom Staff Association Benefits Package Your Benefits Epsom Staff Association Epsom Staff Association Benefits Package Your Benefits Epsom Staff Association Guide To Benefits The Epsom Staff Association is the representative body for the staff of H.R.Richmond

More information

You Can Buy a Home The keys to Homeownership

You Can Buy a Home The keys to Homeownership You Can Buy a Home The keys to Homeownership The keys to homeownership Buying a home is one of the most important purchases you ll ever make. Owning your own home helps you build wealth, save on taxes

More information

STEP 1: DOCUMENT COLLECTION

STEP 1: DOCUMENT COLLECTION STEP 1: DOCUMENT COLLECTION Because your filing will require many details and documents and because the court is both picky and strict about information, documents are needed from you. Income Tax Returns

More information

January 1, 2009. Choice Auto and Home Insurance Program MMC

January 1, 2009. Choice Auto and Home Insurance Program MMC January 1, 2009 Choice Auto and Home Insurance Program MMC Choice Auto and Home Insurance Program Marsh Voluntary Benefits, an MMC Company formerly known as Marsh @WorkSolutions, offers you the Choice

More information

Supplemental Insurance Plans

Supplemental Insurance Plans Supplemental Insurance Plans Honda offers a number of supplemental insurance programs to meet the varying needs of our associates. For More Information Administrative details and procedures for appealing

More information

Benefits Highlights. Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits.

Benefits Highlights. Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits. Benefits Highlights Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits HC Option 5 GE Benefits: Adding value beyond your paycheck The Company

More information

at-a-glance membership at a glance AAA.com

at-a-glance membership at a glance AAA.com at-a-glance membership at a glance AAA.com For more detailed information concerning your AAA membership and coverage, download a printer-friendly version at AAA.com/MemberGuide. If you do not have access

More information

Commonwealth of Massachusetts Division of Insurance

Commonwealth of Massachusetts Division of Insurance Commonwealth of Massachusetts Division of Insurance Joseph G Murphy, Commissioner CONTENTS: PAGE # How to Reach Us D-1 How to File an Insurance Complaint D-1 Frequently Asked Insurance Questions (FAQ s)

More information

Be sure to order your discounted movie tickets using the order form provided in your program information brochure.

Be sure to order your discounted movie tickets using the order form provided in your program information brochure. VAC PLUS Complete Program Details SHOPPING & ENTERTAINMENT BENEFITS Movie Ticket Discounts Your membership includes valuable discounts on movie tickets through Marcus Theaters. Simply fill out the movie

More information

I ll drive. Life happens in your car. Let s make sure it s a good one.

I ll drive. Life happens in your car. Let s make sure it s a good one. auto center you navigate, I ll drive. Life happens in your car. Let s make sure it s a good one. GET BEHIND THE WHEEL FOR LESS. Buying a car should be fun, not frustrating. Hit the road in no time with

More information

BENEFIT SUMMARY. TO APPLY See your branch representative or call 800-892-3263. Platinum Plus Business Rewards. Platinum Plus Business Rewards

BENEFIT SUMMARY. TO APPLY See your branch representative or call 800-892-3263. Platinum Plus Business Rewards. Platinum Plus Business Rewards BENEFIT SUMMARY Platinum Plus Business Rewards Don t just think of it as a credit card. Think of it as a way to work more efficiently. If you use a personal credit card for business expenditures, you re

More information

Intake and Information

Intake and Information Intake and Information File #: : (CCCS Use Only) A division of Your name Street address City State & Zip Phone E-mail Social Security # Age Your employer Phone # Job title Rate of pay Monthly gross income

More information

FUSION DENTAL INSURANCE WITH DENTAL REWARDS THE ULTIMATE CHOICE. We combined two benefits Dental and Vision into one plan for you and your family.

FUSION DENTAL INSURANCE WITH DENTAL REWARDS THE ULTIMATE CHOICE. We combined two benefits Dental and Vision into one plan for you and your family. FUSION THE ULTIMATE CHOICE DENTAL INSURANCE WITH DENTAL REWARDS Marketed by NCE, underwritten by Ameritas. We combined two benefits Dental and Vision into one plan for you and your family. FUSION: THE

More information

Auto Insurance. Consumer Decision Making Contest. 2001-2002 Study Guide

Auto Insurance. Consumer Decision Making Contest. 2001-2002 Study Guide Consumer Decision Making Contest 2001-2002 Study Guide Auto Insurance (Editor s Note: The terms, auto insurance and car will be used throughout the guide and apply to all types of motor vehicles: cars,

More information

Getting Prepared to Purchase Your Home

Getting Prepared to Purchase Your Home Thank you for taking the time to download our Homebuyer s Kit. TJC Mortgage knows that you have options when choosing a mortgage company to assist with your home purchase and we want you to know that we

More information

Ambassador Handbook. the new spectrum of banking since 1952

Ambassador Handbook. the new spectrum of banking since 1952 Ambassador Handbook the new spectrum of banking since 1952 www.technicolorfcu.org Technicolor Federal Credit Union is a not-for-profit, cooperative financial institution. It s similar to a bank, except

More information

T H I R D E D I T I O N

T H I R D E D I T I O N THIRD EDITION For most kinds of purchases, you can get valuable advice and comparisons on the Internet. Ask a librarian or friends which Internet sites they think are helpful, or you can use a search engine

More information

Liberty Mutual Auto & Home Voluntary Benefits. Name of Client Presented By: Date

Liberty Mutual Auto & Home Voluntary Benefits. Name of Client Presented By: Date Liberty Mutual Name of Client Presented By: Date 1 About Liberty Mutual Private provider of personal automobile, homeowners, workers compensation, general liability, commercial auto, business property,

More information

Buyer s Advantage Program

Buyer s Advantage Program contents 03 Buyer s Advantage Program What you need to do to get enrolled 04 Buyer Advantage Program Enrollment Form 05 Buying with the Misty SOLDwisch Home Selling Team 06 Home Buying Process 07 Tasks

More information

PROTECT THE LIFE THEY LIVE TODAY Increase coverage during open enrollment October 30, 2015 - November 13, 2015

PROTECT THE LIFE THEY LIVE TODAY Increase coverage during open enrollment October 30, 2015 - November 13, 2015 Group Optional Term Life and AD&D Insurance For Employees of the City of Baltimore 2016 Plan Year PROTECT THE LIFE THEY LIVE TODAY Increase coverage during open enrollment October 30, 2015 - November 13,

More information

Benefits Highlights. Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits

Benefits Highlights. Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits Benefits Highlights Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits GE Benefits: Adding value beyond your paycheck The Company offers a wide

More information

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department Automobile Insurance Mississippi Insurance Department 1 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance Commissioners Insurance Products & Services

More information

OBJECTIVES. The BIG Idea MONEY MATTERS. How much will it cost to buy, operate, and insure a car? Paying for a Car

OBJECTIVES. The BIG Idea MONEY MATTERS. How much will it cost to buy, operate, and insure a car? Paying for a Car Paying for a Car 4 MONEY MATTERS The BIG Idea How much will it cost to buy, operate, and insure a car? AGENDA Approx. 45 minutes I. Warm Up (5 minutes) II. What Can You Spend? (15 minutes) III. Getting

More information

A Consumer s Guide to: Auto Insurance. Choosing and using your auto insurance coverage. Washington State Office of the Insurance Commissioner

A Consumer s Guide to: Auto Insurance. Choosing and using your auto insurance coverage. Washington State Office of the Insurance Commissioner A Consumer s Guide to: Auto Insurance Choosing and using your auto insurance coverage Washington State Office of the Insurance Commissioner Washington State www.insurance.wa.gov Office of the Insurance

More information

CURIOUS HOW THIS MORTGAGE THING WORKS?

CURIOUS HOW THIS MORTGAGE THING WORKS? CURIOUS HOW THIS MORTGAGE THING WORKS? IMPORTANT INFORMATION ABOUT YOUR NEW HOME LOAN. WELCOME TO YOUR NEW MORTGAGE. WHAT S NEXT? Owning a home is a great feeling. And having a mortgage that you know works

More information

Presentation Slides. Lesson Eight. Cars and Loans 04/09

Presentation Slides. Lesson Eight. Cars and Loans 04/09 Presentation Slides $ Lesson Eight Cars and Loans 04/09 the costs of owning and operating a car Ownership (fixed) costs: Purchase price Sales tax Registration fee, title, and license Financing costs Insurance

More information

An extra layer of protection

An extra layer of protection State of Florida Group Term Life Insurance Program for Employees Action Required An extra layer of protection m A Securian Company Dear New Employee, As a new employee of the State of Florida, you have

More information

SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016

SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016 SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016 This Summary of Coverage contains only the highlights of the employee welfare benefit plans available

More information

INTRODUCTION. A guide for homebuyers

INTRODUCTION. A guide for homebuyers FINANCE GUIDE INTRODUCTION A guide for homebuyers The prospect of buying a home can be intimidating, particularly given the many changes to mortgage rules and requirements over the past several years.

More information

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department A Shopping Tool for Automobile Insurance Mississippi Insurance Department 1 A Shopping Tool for 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance

More information

Homebuyer s Guide. Brought to you by:

Homebuyer s Guide. Brought to you by: Homebuyer s Guide Brought to you by: AmeriSouth Mortgage Company NMLS ID: 67050 Phone: (704) 845-9400 info@amerisouth.com www.amerisouth.com The basics What is a mortgage? A mortgage is a loan secured

More information

DISABLED AMERICAN VETERANS

DISABLED AMERICAN VETERANS DISABLED AMERICAN VETERANS Department of Massachusetts & Auxiliary Invites you to become a member in a premier organization With incredible benefits, savings and services! Membership in the DISABLED AMERICAN

More information

GET THE CAR YOU LOVE THE SMART AND EASY WAY

GET THE CAR YOU LOVE THE SMART AND EASY WAY GET THE CAR YOU LOVE THE SMART AND EASY WAY What is Novated Leasing? NOVATED LEASING MADE EASY A Novated Lease is a three way agreement between you, Custom Fleet and your employer. It can potentially save

More information

Dr. Debra Sherrill Central Piedmont Community College

Dr. Debra Sherrill Central Piedmont Community College Dr. Debra Sherrill Central Piedmont Community College 1 2 Describe the benefits and pitfalls of renting versus owning a home. List the steps required to obtain a mortgage loan. Identify mortgage options

More information

Shopping for Medicare Supplement Insurance

Shopping for Medicare Supplement Insurance CONSUMER TIPS PUBLISHED BY THE VERMONT DIVISION OF HEALTH CARE ADMINISTRATION Shopping for Medicare Supplement Insurance JANUARY 2009 The rates published in this booklet are current as of the date of the

More information

protect The Alberta Teachers Association Group Life + Optional Family Life Insurance Your family depends on you. Help

protect The Alberta Teachers Association Group Life + Optional Family Life Insurance Your family depends on you. Help The Alberta Teachers Association Group Life Optional Family Life Insurance protect Your family depends on you. Help their financial future with additional life insurance. Why do I need additional life

More information

Auto-responders: NEW JERSEY AUTO AUCTION

Auto-responders: NEW JERSEY AUTO AUCTION Auto-responders: NEW JERSEY AUTO AUCTION # 1 Trade Ins Hi Bob, Do you have a car or truck to trade in? If so, you ve come to the right place. The accepts all kinds of trade ins and offers top dollar for

More information

FOR YOUR INTEREST SPRING 2016 CARD SECURITY IN YOUR HANDS

FOR YOUR INTEREST SPRING 2016 CARD SECURITY IN YOUR HANDS FOR YOUR INTEREST SPRING 2016 CARD SECURITY IN YOUR HANDS FRESH PERSPECTIVE TOM S CORNER Dear Fellow Members, As you have seen over the last several years, Notre Dame Federal Credit Union strives to provide

More information

YOUR BENEFITS GUIDE. Welcome to your. CIBC Dividend Card

YOUR BENEFITS GUIDE. Welcome to your. CIBC Dividend Card YOUR BENEFITS GUIDE Welcome to your CIBC Dividend Card Welcome to your CIBC Dividend Card. And a completely different credit card experience. Your new CIBC Dividend Card comes with our promise to help

More information

Voluntary Benefits & Employee Discount Program O F F I C E O F H U M A N R E S O U R C E S B E N E F I T S D E P A R T M E N T

Voluntary Benefits & Employee Discount Program O F F I C E O F H U M A N R E S O U R C E S B E N E F I T S D E P A R T M E N T Voluntary Benefits & Employee Discount Program PittPerks Benefits Create a value added program that helps attract and retain faculty and staff and boost employee morale Increase productivity and workplace

More information

n budgeting basics effectively money.

n budgeting basics effectively money. n budgeting basics effectively managing your money. n budgeting basics Why budget? You have an income. You have expenses. In the ideal situation, what you bring in should be greater than what you shell

More information

Teacher's Guide. Lesson Eight. Cars and Loans 01/11

Teacher's Guide. Lesson Eight. Cars and Loans 01/11 Teacher's Guide $ Lesson Eight Cars and Loans 01/11 cars and loans websites websites for cars and loans The internet is probably the most extensive and dynamic source of information in our society. The

More information

A GUIDE TO HOME EQUITY LINES OF CREDIT. Call or visit one of our offices today to see what products in this guide we have to offer you!

A GUIDE TO HOME EQUITY LINES OF CREDIT. Call or visit one of our offices today to see what products in this guide we have to offer you! A GUIDE TO HOME EQUITY LINES OF CREDIT Call or visit one of our offices today to see what products in this guide we have to offer you! TABLE OF CONTENTS Introduction What is a home equity line of credit

More information

2011 Benefit Summary for Administrative Staff

2011 Benefit Summary for Administrative Staff 2011 Benefit Summary for Administrative Staff ND BENEFITS PROGRAM The offers a flexible benefits program, which allows you to make individual benefits selections based on your own needs. You will be making

More information

We look forward to seeing you again this year and hope you will recommend our services to your family, friends, neighbors, co-workers, and partners.

We look forward to seeing you again this year and hope you will recommend our services to your family, friends, neighbors, co-workers, and partners. Dear Client: December 2014 Please find enclosed your Year End Client Newsletter. We included some items that require your action as well as helpful tax tips and resources that may benefit you, so please

More information

GROUP UNIVERSAL LIFE (GUL) & ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) PROGRAM FREQUENTLY ASKED QUESTIONS (FAQs) MAY 2015

GROUP UNIVERSAL LIFE (GUL) & ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) PROGRAM FREQUENTLY ASKED QUESTIONS (FAQs) MAY 2015 GROUP UNIVERSAL LIFE (GUL) & ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) PROGRAM FREQUENTLY ASKED QUESTIONS (FAQs) MAY 2015 Minnesota Life is the underwriter of the State of Delaware s GUL and AD&D Program.

More information

Members Salary and Benefits

Members Salary and Benefits Members Salary and Benefits Table of Contents 1. Introduction 2 2. Members Pay 3 3. Insurance Plans 4 3.1 Public Service Management Insurance Plan 4 3.2 Public Service Health Care Plan 5 3.3 Dental Care

More information

Navigating with a REALTOR

Navigating with a REALTOR HOMEBUYERS ROAD MAP Navigating with a REALTOR YOUR REALTOR CAN HELP YOU: REALTORS are experienced in everything you need to know and do when buying a home. Navigate the home buying process and paperwork

More information

An extra layer of protection

An extra layer of protection State of Florida Group Term Life Insurance Program for Employees Action Required An extra layer of protection m A Securian Company Dear New Employee, As a new employee of the State of Florida, you have

More information

membership AAA.com/Premier

membership AAA.com/Premier membership, aaa s elite level AAA.com/Premier welcome to AAA Premier It is our privilege to welcome you to AAA s elite level of service AAA Premier We invite you to experience all the ways this exclusive

More information

PHI ALPHA DELTA LAW MEMBER BENEFITS FOR A COMPLETE LISTING OF MEMBER BENEFITS VISIT WWW.PAD.ORG

PHI ALPHA DELTA LAW MEMBER BENEFITS FOR A COMPLETE LISTING OF MEMBER BENEFITS VISIT WWW.PAD.ORG S ERVICE TO THE S TUDENT, THE S CHOOL, THE P ROFESSION, AND THE COMMUNITY PHI ALPHA DELTA LAW MEMBER BENEFITS FOR A COMPLETE LISTING OF MEMBER BENEFITS VISIT WWW.PAD.ORG PHI ALPHA DELTA LAW FRATERNITY,

More information

Paid2Save Compensation Plan June 2015 Page 1

Paid2Save Compensation Plan June 2015 Page 1 Paid2Save Compensation Plan June 2015 Page 1 Paid 2 Save When you are looking for a business opportunity, you need one that pays well and helps you plan for long-term success. Paid 2 Save helps you make

More information

Travelers Auto and Home Insurance Program

Travelers Auto and Home Insurance Program Travelers Auto and Home Insurance Program ENHANCE YOUR CREDIT UNION MEMBER BENEFITS, NOT YOUR COSTS A plan for your credit union Enhance your member benefits, not your costs It s a fact. Good member benefits

More information

First Timer s Guide PREParing First Time Homebuyers

First Timer s Guide PREParing First Time Homebuyers First Timer s Guide PREParing First Time Homebuyers SO MANY QUESTIONS Maybe you live in the best apartment with a great landlord and don t want to change a thing. Or maybe you ve looked at the rent going

More information

Helping you through this difficult time.

Helping you through this difficult time. Helping you through this difficult time. New York Life Insurance Company New York Life Insurance and Annuity Corporation (A Delaware Corporation) 51 Madison Avenue New York, NY 10010 www.newyorklife.com

More information