NEA MEMBER BENEFITS Taking Care of our Retired Members October 2014
Our Vision 2 We want members to think of us first, before they or their family make any financial decisions.
3 What does that mean? Before you Plan a vacation Buy a car Buy or refinance a house Purchase gifts for family or friends Make long term financial plans or decisions Help your grandkids with college Invest or save money Ask yourself does the OEA/NEA do this?
Current Product Line-up Insurance Programs Life Insurance Casualty Insurance Pet Insurance Dental Vision Hospital Insurance Finance Programs Credit Cards Home Mortgage Personal Loan Line of Credit Online Savings, Money Market, CD s, IRA s
Current Product Line-Up continued 5 Discount Programs NEA Click & Save NEA Auto Buying NEA Wireless NEA Hearing Aid Program NEA Vehicle Protection NEA Magazine Service..and more Travel Programs NEA Car Rental Trafalgar & G Adventures
NEA MEMBER BENEFITS INSURANCE PROGRAMS NEA MEMBER INSURANCE TRUST
7 NEA AD&D Insurance Provided by the NEA Members Insurance Trust Underwritten by Prudential Insurance Company of America Guaranteed Issue AD&D insurance. Members cannot be turned down. Up to 4 Units of $30,000 coverage ($130,000 for public transport) AD&D rate is $19 per year up until age 60, $24 for ages 60-79, $48 for ages 80+ Optional spouse/domestic partner and dependent child coverage 24/7 telephone account information Online enrollment and account management available
8 NEA Group Term Life Insurance Provided by the NEA Members Insurance Trust Underwritten by Prudential Insurance Company of America Decreasing Group Term Life Insurance Level benefits until age 70. Reduces 50% at age 70 and to 10% at age 75. Face amounts from $25,000 to $500,000 Competitive smoker and non-smoker rates Simplified underwriting at younger ages and for lower face amounts Optional spouse/domestic partner coverage Online enrollment and account management available
9 NEA Guaranteed Issue Life Insurance Provided by the NEA Members Insurance Trust Underwritten by Prudential Insurance Company of America No health questions. Members age 45+ cannot be turned down Graded death benefit--$500 first year, 25% of face amount second year, 50% third year and 100% of benefit years 4 and greater Face amounts of $10,000 and $20,000 at ages 45-54. Reduces to 75% at age 60, 60% at age 65 and 30% at age 70+ Competitive rates for members and spouse increase in 5 year age bands until age 70 Online enrollment and account management available
10 NEA Retiree Health Program Underwritten by United American Insurance For members and spouses ages 65 and over No health questions. Members cannot be turned down Coordinates with Medicare to cover Medicare s gaps 10 Standardized plans Best Benefits Discount Program includes prescription, dental/vision discounts, chiropractic discounts, hearing aid discounts, emergency travel service, etc. Competitive modified attained age rates. Rates vary by zip code. Online enrollment and account management available
NEA MEMBER BENEFITS INSURANCE PROGRAMS HEALTH and PROPERTY & CASUALTY
12 NEA Hospital Care Insurance Provided by the Hartford, Brokered and Administered by Marsh Guaranteed Issue Hospital Indemnity insurance subject to Pre-existing conditions limitation exclusion. Choice of daily benefit amounts paid to member for each day of a hospital stay or skilled nursing facility stay. Include home recovery benefits as well. Rates are based on age. Optional spouse/domestic partner and dependent child coverage Online enrollment and account management available
13 NEA Long Term Care Program Distributed by LTCI Partners Provides education and insurance solutions on Long Term Care. Long Term Care plans are underwritten. Rates are based on age and benefits chosen. Phone consultations with licensed salaried professionals no pressure Exclusive NEA pricing Program is also available to immediate family members
14 NEA Auto & Home Insurance Program Provided by California Casualty Auto insurance has special NEA member features: vehicle vandalism deductible waiver personal property school coverage summer/holiday skip payment options. Home insurance with an auto policy has multi-policy discount. Low NEA member rates and generous discounts. Free Identify Theft Defense Other coverage available: personal umbrella, flood, earthquake, mobile home and RV, antique and classic auto insurance, snowmobile and boat and personal watercraft insurance. Free rate quotes with licensed professionals over the phone or online.
15 NEA Pet Insurance Program Provided by Pets Best Insurance coverage for costs associated with medical care for pets Provides coverage for emergency visits, prescriptions, lab tests, exams, cancer, hospitalization, surgery, X-rays and more Optional routine care coverage available for an additional cost. Discounted rates are based on age of animal and breed. No upper age limits Can use any licensed veterinarian. Online quoting and enrollment available
NEA MEMBER BENEFITS FINANCIAL SERVICES PROGRAMS
17 NEA Accelerated Rewards American Express Card Provided by Bank of America NEA card features include: Unique card design with NEA branding No annual fee credit card Lower APR for purchases (Variable 11.99% for purchases and balance transfers, direct deposit for 12 months, 2.99% Introductory APR on balance transfers and direct deposits for 12 months) Lower fees for cash advances and foreign transactions Choice of rewards air travel, car rental, hotel stay, merchandise and cash rebate Earn 1.25 points for every $1 in net retail purchases
18 NEA Cash Rewards Card Provided by Bank of America NEA card features include: Unique card design with NEA branding No annual fee credit card 0% or 1.99% introductory APR for 12 months on purchases and/or balance transfers; Variable 12.99%-20.99% APR for purchases and balance transfers, based on creditworthiness 3% cash back on gasoline, 2% cash back on groceries (for the first $1,500 in combined net purchases made during each calendar quarter), 1% cash back on all other purchases Cash rewards are earned automatically (no need to register or sign-up) No limit to cash rewards that can be earned and there is no expiration date
19 NEA Credit Card with Rewards Provided by Bank of America NEA card features include: Unique card design with NEA branding No annual fee credit card Lower APR for purchases (Variable 11.99%-16.99% for purchases and balance transfers, 2.99% Introductory APR on balance transfers and direct deposits for 12 months) Choice of rewards air travel, car rental, hotel stay, merchandise and cash rebate Earn 1 point for every $1 in net retail purchases Rewards start at 2,500 points Periodic special discounts at select merchants
20 NEA RateSmart Credit Card Provided by Bank of America Unique card design with NEA branding No annual fee credit card 0% introductory APR for 7 months on purchases and/or balance transfers. Variable 9.99%-16.99% APR for purchases based on creditworthiness Targeted for members who revolve card balances and want to save money on interest
21 NEA Personal Loan Provided by First National Bank of Omaha Exclusive unsecured loan which can be used for any purpose, such as debt consolidation, home improvements or large purchases No annual fee Variable APR between 11.99% and 18.99% based on creditworthiness Loan amounts of $3,000-$25,000 Terms of 12 to 60 months No prepayment penalties 24/7 telephone account information
22 NEA Smart Option Student Loan Provided by Sallie Mae Unsecured loan designed to finance education-related expenses not covered by scholarships/grants/federal loans Competitive pricing 2.25% APR to 9.37% Variable APR 5.74% APR to 11.69% Fixed APR 0.25% NEA Exclusive rate reduction after 12 consecutive on-time payments Additional 0.25% rate reduction with automatic payments No origination fees or prepayment penalties Borrow up to 100% of school-certified education costs choice of repayment options (defer payments until after graduation or an in-school repayment option) 2% Smart Reward in your Upromise account when payments are made on time
23 NEA Home Financing Program: Mortgages Provided by Wells Fargo Secured loan intended to finance real estate Competitive interest rates and fees Easy loan processing right over the phone or through a Wells Fargo mortgage office $500 gift card after mortgage closing Wide array of home financing options: Purchase and refinance First-time homebuyer programs Low down payment options for qualified borrowers FHA and VA Loans
NEA Home Financing Program: Home Equity and Lines of Credit 24 Provided by Wells Fargo Secured loan intended to finance real estate improvements to property already owned Competitive interest rates and fees Easy loan processing right over the phone or through a Wells Fargo mortgage office New construction and renovations loans Second home and investment property programs Choice of mortgage terms
25 NEA Online Savings Account Provided by Discover Competitive interest rates $20 statement credit per funded account (Limited to 1 per member per product per contract year) $500 minimum opening deposit No monthly maintenance fees Interest compounded daily and credited to account monthly FDIC-Insured up to maximum amount allowed by law Access to online account center Up to 6 withdrawals per monthly statement cycle 24/7 US-based telephone account support
26 NEA Money Market Account Provided by Discover Competitive interest rates $20 statement credit per funded account (Limited to 1 per member per product per contract year) $2,500 minimum opening deposit No monthly maintenance fees if balance remains at or above $2,500 minimum Interest compounded daily and credited to account monthly FDIC-Insured up to maximum amount allowed by law Up to 6 withdrawals per monthly statement cycle Personalized checks, deposit slips, and debit cards at member request 24/7 US-based telephone account support
27 NEA Certificate of Deposit Provided by Discover Competitive interest rates $20 statement credit per funded account (Limited to 1 per member per product per contract year) $2,500 minimum opening deposit Choice of flexible terms from 3 months to 10 years Convenient renewal options Can be used as a Traditional or Roth IRA transfers or rollovers of existing IRA s allowed No monthly maintenance fees FDIC-Insured up to maximum amount allowed by law 24/7 US-based telephone account support
28 NEA Individual Retirement Account CD Provided by Discover Competitive interest rates with guaranteed returns $2,500 minimum opening deposit No monthly maintenance fees Can be used as a Traditional or Roth IRA transfers or rollovers of existing IRA s allowed FDIC-Insured up to maximum amount allowed by law 24/7 US-based telephone account support
NEA MEMBER BENEFITS RETIREMENT & INVESTMENTS
30 NEA MEMBER BENEFITS DISCOUNTS & SHOPPING
NEA Click & Save Visit www.neamb.com/clickandsave An online shopping program where members have access to apparel, jewelry, electronics, tickets for movies, amusement parks and more. Save online at hundreds of your favorite stores and received personalize email reminders. Create a shopping profile to receive advance notice of upcoming sales. Invite up to four family members to join in the savings at no charge.
32 1800FLOWERS.com & 1800BASKETS.com Save 20%, when shopping online, your discount will be applied at checkout. Visit www.neamb.com login/register and look under the Discounts tab. 1800Flowers.com and 1800Baskets.com have extraordinary gifts for: Birthdays Holidays New Baby Get Well Anniversary Sympathy
33 NEA Auto Buying Program Provided by TrueCar Visit www.neamb.com/autobuying Guaranteed Savings through local dealers. Search for any new vehicle and view a wide range of used vehicle listings. There is never any cost to use the service or obligation to buy plus all dealers are prescreened to provide you with the best car buying experience. Get a price and your Guaranteed Savings** before going to a dealership Work with pre-screened dealers for customer savings and a great experience NEA Member Discounts on USED CARS Free CARFAX reports and/or warranties on select vehicles ** Estimated Price and Savings currently not available in AR, CO, KS, LA, MD, NE, OR, TX, VA and WA. In these states a Target Price is presented, which is not an advertised price, but an example of what you can reasonably expect to pay. Please note: While new Certified Dealers are continually being added to the NEA Auto Buying Program, the program is currently unavailable in certain areas of the U.S., including AK and HI.
34 Costco Membership To become a new member of Costco, simply login and register at www.neamb.com and find Costco under the Discounts tab. Register or sign-in to print an invitation and present it at a Costco location. JOIN COSTCO AS A NEW MEMBER and receive coupons for free products and other great savings, valued at MORE THAN $50. Already a Costco member? Register or sign-in to see the latest offers for existing Costco members.
35 H&R Block A tax preparation service Available January 1 st through April 15 th Special discounts and coupon offers May be redeemed in retail offices or at Block Live Special pricing on software and online programs Visit : www.hrblock.com/partner/nea or call 1-800-786-3429
36 NEA Hearing Care Program A discount on hearing aids purchased through Hear In America No enrollment fees or premiums! FREE hearing screenings for members and their families Qualified and monitored professional service providers Discounts of 30% to 70% on many brands of top quality hearing aids 2-year warranty included at no additional charge with each Hear In America hearing aid Lifetime hearing aid cleaning and check-up service at no additional charge 3 years worth of free hearing aid batteries
37 NEA ID Theft Program Identity Fraud, Inc. provides comprehensive protection with plans starting at only $19.95 per year Protection for you and family members Unlimited VRS Elite Fraud Resolution Services for simple or complex cases $25,000 Identity Insurance* Limit for each person ($0 deductible) Single or Triple Bureau Credit Monitoring / Alert Options Fraud Alert, Credit Freeze Options Discounts on prevention tools, credit reports, FICO scores A library of free information on the subject, including the Loss Prevention Guide, education, newsletters and more... * Identity Insurance is not available to residents of New York or Indiana.
38 NEA Magazine Service More than 900 magazines at up to 85% off the cover price Choose from selections covering news, sports, fitness, entertainment, hobbies, family and education we have the magazines you re looking for at the guaranteed lowest introductory price available! Buy magazine subscriptions now, pay later. No credit card required for purchase. Premium customer service. Live online and offline service. Call, write or email. Educational magazine discounts. Special deals for students and educators on our most popular magazines. Lowest magazine price guarantee. Up to 85% off magazines. Check out our Discount Magazine Triple Guarantee!
39 NEA Propane Discount Program Provided by Propane.pro Visit www.neamb.com/propane When you take advantage of this program, you ll receive: Up to four FREE, no-obligation quotes from pre-screened and approved propane suppliers in your neighborhood. You ll only work with top rated and pre-screened local suppliers. The suppliers compete, and you save on your propane bills $50 of free propane when you switch to a Propane.pro supplier $100 toward the purchase of a new propane tank from your Propane.pro supplier
40 NEA Wireless Program Provided by AT&T Save 15% on AT&T cell phone monthly service for you and your family $50 credit for each new AT&T activation in Premier online store Enjoy the blazing fast speeds on the nation s largest 4G network Free use of AT&T s 26,000 WiFi hotspots across the United States Available to NEA Members who currently have AT&T Service
41 NEA Vehicle Protection Program Provided through CARCHEX Simply login and register at www.neamb.com look under the Discounts tab/home & Auto Discounts. Extended vehicle protection plans or extended auto warranties as they re popularly known help vehicle owners save on expensive auto repairs after their manufacturer's auto warranty has expired. Product Features/Benefits: VPP offer coverage for repairs not typically covered by an auto manufacturer s warranty or contract. Offers repairs excluded, or beyond the term of the manufacturer s warranty Provides ability to budget for vehicle maintenance and avoid expensive, unexpected costs Extends vehicle life through proper service and part replacement Enhances value in the event of sale due to transferability of policy Includes 24 hour roadside assistance, rental benefits, towing, rental car and trip interruption
42 NEA MEMBER BENEFITS NEA TRAVEL
43 Red Roof Inn 20% member discount at any of Red Roof s 350+ locations nationwide when members go to www.neamb.com/redroofinn or call toll-free (800) 733-7663 and use discount code #607905 Amenities include: Free Wi-Fi in all rooms Free local and long distance calling Free parking (at most locations) Upgrade Rooms with microwave and refrigerator available in most locations. Pets Stay Free (at most locations) Flat Screen TVs
44 NEA Car Rental Program: Alamo Take advantage of the savings on car rentals from Alamo that are part of your benefits as an NEA member by visiting www.neamb.com/alamo or calling toll-free 800-462-5266 and using contract ID 7014162. Member discount up to 25% Free unlimited mileage No charge for a second driver 24-hour emergency roadside assistance Get to the fun faster with the easy check-in kiosk Coupons for even more savings
45 NEA Car Rental Program: Enterprise Enterprise is known for its exceptional everyday low rates, neighborhood convenience and outstanding service, including free pick-up for local customers. As an NEA member, go to www.neamb.com/enterprise or call toll-free 866-876-2372 and use Customer # NEABNK9. 5% member discount with no holiday blackout dates Over 6,000 rental locations across the US in neighborhoods as well as airports Convenient free pickup and return Special seasonal offers
46 NEA Rental Car Program: National At National, NEA members can get on their way fast. When you enroll in National s Emerald Club, you can bypass the counter, choose your own car and quickly be on your way! Visit www.neamb.com/national and use your NEA member discount ID: 5030378 Enjoy these benefits at National: Member discount up to 25% Unlimited Mileage Member coupon offers 24-hour emergency roadside assistance
47 NEA Car Rental Program: Hertz Hertz is at the airport and in your neighborhood. Save up to 25% every time you rent with Hertz! Log in to www.neamb.com/hertz to take advantage of your NEA member discount or call toll free 800-654-3131 and reference the discount CDP# 50655 when you reserve your rental. Combine it with a Special Hertz offer to save even MORE! Join Hertz Gold Plus Rewards and get on your way even faster.
NEA Click & Save Travel Discounts In addition to the shopping discounts, NEA Click & Save has a Travel section that features deals on airline tickets, hotels, vacations, cruises, amusement parks and more. Save online at hundreds of your favorite stores and received personalize email reminders. Create a shopping profile to receive advance notice of upcoming sales. Invite up to four family members to join in the savings at no charge.
49 Trafalgar Guided Vacations Members receive an additional 10% discount. Browse online at www.neamb.com to select your next journey or call 1-800-380-1377 and provide promotional code 14NEA10 to learn more. Traveling with Trafalgar means: Over 67 years of experience put to work to create one-of-a-kind journeys with special Insider moments Attractive discounts for early payment, young travelers, repeat travel, groups, and special limited-time deals Over 230 worldwide itineraries to choose from across Europe, North and South America, Asia, Australia and New Zealand A variety of vacation styles to fit the way you like to travel
50 G Adventures NEA Members save 15% OR receive the best special offer price, whichever is greater. Use promo code NEA15. Call 1 (855) 677-9509 or browse online at www.neamb.com to select your next adventure! NEA members and up to three travel companions are offered an exclusive discount on trips to more than 100 countries on all seven continents An average of 10 travelers per trip (16 maximum), except on Expedition cruises CEOs (Chief Experience Officers) guide you throughout your trip Need to cancel or delay your trip? No problem. Your initial deposit will be here for you, whenever you need it. You can even pass it on to a friend