The Union Privilege Benefit Programs
Union Credit Card
A union-endorsed credit card with a low interest rate and no annual fee. Members of participating AFL-CIO unions are eligible to apply for the Union Plus Credit Card, which has a low variable rate, no annual fee and a unique design featuring the union's logo. Plus, it offers a money-saving balance-transfer option that allows members to transfer balances from their higher-rate credit cards at only 9.9 percent for the life of the balance. The Union Plus Credit Card is available with or without a grace period and can save members who use it $80 to $100 a year versus higher-rate cards. Call 1-800-522-4000 to apply.
Q&A see: http://unionpriv.org/credques.htm
Secured Union Credit Card The Secured Union Credit Card can help union members who need to establish or repair their credit. The card is granted to approved members who make a deposit in an interest-bearing savings account. By paying their bills on time for 18 months, members can get the regular Union Plus Credit Card. Here's what the Secured Union Credit Card offers: No application fees, A competitive fixed Annual Percentage Rate (APR), A low annual fee, The ability to build or repair one's credit record, "Graduation" to a standard Union Plus Credit Card after 18 months of on-time payments.Call 1-800-452-9425 for details. Q&A see: http://unionpriv.org/secques.htm
Life Insurance
Supplemental term insurance at low group rates. Even if you already have life insurance, it may not be enough to fully protect your family. Dollar for dollar, this program gives members of participating unions more insurance for their money. Here is what the Life Insurance Program offers: Low rates -- below comparable plans, A broad range of coverage plans, A skip-payment provision in the event of a layoff, disability or prolonged strike, Special plans for children, seniors and members with health problems. Call 1-800-899-2782 for details.
Q&A see: http://unionpriv.org/lifeques.htm
Union Driver & Traveler
Special motor-club, car-repair and travel-club benefits. This program offers a unique combination of money-saving benefits for much less than any one of
these benefits would cost alone. Compare Union Driver & Traveler to your local American Automobile Association (AAA) -- chances are your union's program offers more for your money. Here's what Union Driver & Traveler offers: One low annual membership fee, which covers you, your spouse and your children living at home -- unlike other motor clubs that charge extra for additional drivers, Emergency towing and roadside assistance, Savings on auto repair and maintenance services, Cash back on air travel purchased through the program. Call 1-800-547-4663 to join. Plus Walt Disney World Hotel Discount 1-800-248-7890, Parents College Advisor 1-800-248-5299, Encyclopedia and educational resource benefit for educational books and software, and Hertz Car Rental 1-800-654-2200 (union I.D. number required). Q&A see: http://unionpriv.org/drivques.htm and http://unionpriv.org/family.htm
Legal Service
Free and discounted legal assistance. This service allows members of participating AFL-CIO unions to consult an attorney on personal legal matters or to prevent a legal problem. Union-approved lawyers at over 900 law offices nationwide are available for free legal consultations of up to 30 minutes. More complex legal matters are handled at a 30 percent discount. Legal Service offers: No enrollment fee, Free review of select documents, A free 30-minute consultation in person or over the phone, A free follow-up letter or phone call, A 30 percent discount on additional services. Q&A see: http://unionpriv.org/legques.htm
Union Member Mortgage and Real Estate
Buying, selling, refinancing made easier, more affordable. This program can help union members, and their children and their parents take care of their complete mortgage and real estate needs. The whole application process can be handled over the phone, through one of the program's expert mortgage and real estate counselors. Here's what Union Member Mortgage and Real Estate offers: Special help for qualified first-time home buyers, Savings on the real estate commission paid to participating real estate agents, Extra savings for members who both buy and sell your home through the program, Special assistance for program mortgage holders who are having trouble making mortgage payments, and The ability to apply for a mortgage from home over the phone. Call 1-800-848-6466 for details. Q&A see http://unionpriv.org/mortques.htm
Loan Program
Lower-rate, longer-term loans. Union members can apply for a low-interest, unsecured personal loan or a revolving line of credit. Program loans come in handy for unexpected expenses or to pay off other bills. The Union Privilege Loan Program offers:
1. Personal loans from $3,000 to $10,000 with repayment terms of up to seven years
2. Traditional fixed-rate loans or revolving variable lines of credit
3. Lower rates and longer terms for lower monthly payments
4. The convenience of applying for a loan from home
5. A convenient skip-payment option
6. Cash refunds for automatic account withdrawal payments
Call 1-800343-7097. Q&A see http://unionpriv.org/loan.htm
Union Member Accident Insurance Plan
Coverage for accidental death or dismemberment. This plan offers members of participating unions a special benefit of up to $5,000 worth of no-cost accidental death insurance, which covers them on the job and while commuting to and from work. Around-the-clock accidental insurance available at low group rates and includes: Up to $200,000 worth of additional coverage, Optional family coverage, An additional $100,000 worth of coverage for a death in an airplane, train or other common carrier, and An additional $50,000 benefit for an accidental death at work. Call 1-800-899-2782 for details. Q&A see http://unionpriv.org/accidqa.htm
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