A Leadership Guide
For
AFGE Member-Only Benefits
ACCESS
AFGE
A
L
EADERSHIP
G
UIDE
F
OR THE
M
EMBER
B
ENEFITS
P
ROGRAM
THE AMERICAN FEDERATION
OF GOVERNMENT EMPLOYEES
A
FFILIATED
W
ITH
T
HE
AFL-CIO
A
UGUST
2008
TABLE
OF
CONTENTS
INTRODUCTION 1
THE QUICK ACCESS 2
MONEY
BondRewards 3
AFGE Credit Card 4
Credit Builder Program 6
My FICO® Score 7
Credit Counseling Program 8
Corporate Card for Locals 10
HOUSE AND HOME
Mortgage and Real Estate Program 11
Costco 12
Moving Van Lines 13
Pet Health Insurance and Health Care 14
Home Heating Oil Discount (Boston, CT, MD, S. NH, NJ, NY, PA, RI, N. VA) 15
LEGAL
Legal Services 16
EDUCATION
College Financing 17
Scholarships 19
Online Degree Program 20
Online Training 21
Union Bookstore 22
MINDsprinting 23
COMPUTERS
Apple Computer Discount 24
Dell Computer Discount 25
Purchasing Power 26
Internet Service Provider (ISP) 27
CAREER
Federal Job Opportunities 28
HEALTH
Health Club Discounts 29
Health Needs Service (Discounts on Dental, Vision, RX, Hearing and more) 30
DISCOUNTS
Flowers Discount 31
Union-made checks 32
Entertainment Discounts 33
Union Made Clothing 34
ConsumerReports.org 35
AT&T Wireless Discount 36
TRAVEL
Worldwide Vacation Tours 37
Theme Park Discounts 38
Union Plus Cruises 39
Car Rental Discounts 40
Condo Rentals 41
RV Discounts 42
AUTO
Auto Buying 43
Auto Insurance 44
Pinnacle Motor Club 45
Goodyear Tire and Service Discount 46
INSURANCE
Free Accident Insurance 47
NEC Policy 48
Insurance Programs by District and Contact Information 49
1
INTRODUCTION
The purpose of this guide is to provide national and local AFGE leaders with at-a-glance
information on each of the benefit programs that are endorsed Federation-wide. For the most up-
to-date information on these programs, please visit the Member Benefits section of the AFGE
web site www.afge.org.
Information has been limited to listing the highlights of each benefit program, as well
as answers to the most frequently asked questions. In addition, restrictions, limitations and
features unique to each program are provided to avoid misunderstandings from the start and
insure that no program is misrepresented. This is to avoid “damage control” that can negate
gains in our efforts to increase visibility and attract new members.
Used correctly, The AFGE Benefits Program can be instrumental in organizing new
members and in the retention of existing members. These benefits are the immediate reward
for being an AFGE member. In some cases, using these programs can equal or exceed the cost
of membership. The Legal Program alone has a value of $150 to $200 a year.
This manual is published by the Membership and Organization Department which
recognizes that benefit programs help to meet the needs of our members. We are interested in
hearing from the field about which programs you find to be the most popular or effective in
achieving our goals. We would like to hear from you in this regard so that successful organizing
drives can be shared from District to District.
We recognize that a wide variety of benefits are needed to appeal to the largest number of
employees. We also recognize that, as the labor movement evolves, unions must endorse the
kind of benefits that help to meet the needs of the membership beyond the worksite. AFGE has
these organizing and retention tools. It is you, AFGE’s leadership, that will make these tools
work. We are here to assist you in building AFGE into an even more powerful union. With you,
we will achieve our goals.
Sincerely and in Solidarity,
John Gage
National President
American Federation of Government Employees, AFL-CIO
2
These benefits are for members only. Please have your AFGE Local
number and your AFGE membership number handy when you call.
MONEY
BondRewards
1-866-739-2737
AFGE Credit Card 1-800-522-4000
Credit Builder Program 1-800-651-5108
Loan Program 1-888-235-2759
Corporate Card for Locals 1-888-428-6466
Your Credit Score Available online www.afge.org
Credit Counseling Program 1-877-833-1745
HOUSE AND HOME
Mortgage and Real Estate Program 1-800-848-6466
Costco 1-800-774-2678
Pet Health Insurance 1-866-473-7387
Pet Health Care 1-888-789-PETS
Moving Van Discounts 1-800-234-1159
Home Heating Oil Discount 1-800-660-0691
EDUCATION
College Financing 1-877-881-1022
JNS SCHOLARSHIP 1-800-462-4237
Online Training Available online www.afge.org
Union Book Store Available online www.afge.org
Online Degree Program Grantham U. 1-800-955-2527
COMPUTERS
Easy Computer Purchase Program (ecp2) 1-800-540-4142
Dell Computer Discount 1-866-257-4711
reference CS33585924
Apple Computer Discount 1 -800-692-7753 (mention AFGE membership)
Union-America Internet Service (ISP) 1-877-712-9191
CAREER
Federal Job Opportunities Available online www.afge.org
LEGAL
Legal Services Program 1-888-993-8886
HEALTH
Health Club Discount 1-888-294-1500
Health Needs (Discount Dental, Vision, RX, Hearing and more) 1-877-570-4845
DISCOUNTS
Flowers Discount 1-888-667-7779
Union-made checks 1-888-864-6625
DVD and VHS Movie Rental 1-800-565-3712 ID# 00020201
Discount Movie Tickets: 1-800-565-3712: ID# 00020201
Discount Union Made Clothing Available online www.afge.org
Discount Music Available online www.afge.org
TRAVEL
Worldwide Vacation Tours 1-800-590-1104 Code UP147
Theme Park Discounts 1-800-565-3712, ID: 744387769
Union Plus Cruises 1-
866-867-0593
Avis 1-800-698-5685 reference # B723700
Budget 1-800-455-2848 # V816100
Hertz 1-800-654-2200 #205666
National 1-800-227-7368 #5130006
Condo Rentals 1-800-365-7607 ext. 400
RV Discounts 1-800-671-8042
AUTO
Auto Buying 1-866-824-1133, mention ‘Partner Code’ RU-503
Pinnacle Motor Club 1-800-366-1165
Goodyear Tire and Service Discount Available online www.afge.org
Auto Insurance 1-800-294-9496 for a quote.
3
BondRewards
The BondRewards Federation® was formed in 2000, when we noticed a negative trend in
savings in America. For the first time since the Great Depression of the 1930s, Americans had a
negative savings rate. They spent more than they earned.
We wanted to make it easier for Americans to save. We realized that a rewards programs
offering U.S. Savings Bonds as our signature reward was the perfect solution. We had
developed a program that was good for Americans and good for America.
Now you can save while you spend. Our corporate sponsors will contribute a percentage of all
your purchases with them into your BondRewards® account. You can redeem your earnings for
U.S. Savings
Bonds.
Enrollment in BondRewards Federation® is completely free. There is never any
cost associated to you as an Account Holder for being a part of the BondRewards
Federation®.
We hope that by using BondRewards and watching your savings grow, you will put some of your own
money aside for savings. The BondRewards service provides a simple and effective way to automate your
savings and reach your financial goals even quicker.
Shop online at over 500 stores including Target, Best Buy, Overstock.com and Buy.com and
earn Bond Dollars on each purchase.
ACCESS: Register online: www.afge.org; go to “Members-Only,” then click on “Member
Benefits,” or call 1-866-739-2737. Be sure to mention you are an AFGE member.
4
AFGE’s Credit Card
Union Privilege and our partner Household Credit Services have created the Union Plus® Credit
Card exclusively for working families. Explore the many reasons to apply today.
Value
Here’s a sampling of the card's consumer-friendly features:
• Competitive interest rate
• No annual fee
• Money-saving balance transfer offers
• Scholarship program
• No liability for lost or stolen cards
• Free additional cards
Flexibility
Given life's unexpected changes, we made sure the Union Plus Credit Card offers stress-free
flexibility:
• Special safety net for disabled workers and victims of natural disasters
• Skip-payment options
• 25 day Grace period on new purchases
• Complete online account management
• Unique union benefits for laid-off workers
Service
To ensure satisfied cardholders, Union Plus approaches customer service from all sides. Here are
some unique ways in which we serve our members:
• Member advocates - staffed by fellow union members, not bank employees
• 24-hour personal customer service by phone or online
• Online account management to keep track of recent transactions, view statements, or
even pay your bill online.
Variety
Union Plus offers a selection of credit cards to serve the diverse needs of union members.
Access: Members can apply by phone, online or request an application. Be sure to have your
AFGE member and Local number handy. See page 5 for all phone numbers.
5
Triple Plus Protection
sm
Special safety net for disabled workers and victims of natural disasters - including Lifeline Trust
Disability grants and Disaster Relief Fund grants
100% Fraud Protection: The Union Plus MasterCard gives you 100% fraud protection if your card
or account number is misused or stolen.
Union Review Committee: Union members ensure the card's benefits are the ones members need.
Extended Warranty: Adds up to one year of extra coverage to your original warranty on most
products purchased with the Union Plus MasterCard.
Triple Plus Service
sm
Live Customer Service: All customer service calls are answered by representatives in the United
States.
24-Hour Personal Service: you can always speak to a customer service representative, 24-hours a
day, 365 days a year.
Merchant Dispute Assistance: If you ever have a dispute with a merchant, we're here to help you get
your dispute resolved.
Triple Plus Value
sm
No Annual Fee: Other credit cards charge up to $50 or more every year.
Exclusive Member Rates and Benefits: As a union member you'll receive a competitive interest
rate, special Labor Day savings and low rate balance transfers.
Money Saving Discounts: You have easy access to discounts on eye care, movie tickets, prescription
drugs, veterinary services and more.
Access:
• Apply by phone: 1-800-522-4000
• Account Information 1-800-771-7321
• Technical Support 1-800-771-7293
• Lost or Stolen Cards 1-800-651-5116
• Customer Service 1-800-622-2580
• Application Status 1-877-277-0948
• Card Activation 1-800-651-5114
• Collections 1-800-285-5100
• Self-Select Pin 1-800-685-3500
• Credit-Line Increases 1-800-622-2580
• TDD Line 1-800-655-9392
• Lifeline Trust/Natural Disaster Helpline 1-877-761-5028
6
Secured Credit Card:
Credit Builder Program
S
TART WITH A CLEAN SLATE
.
Good news for union members who have poor credit or little or no credit history: The Union Plus
Secured Credit Card offers an opportunity to establish or re-establish a clean credit record - and
it's a better deal than other secured credit cards, which often charge high annual rates and other
fees.
The card is granted to approved members who make a deposit in an interest-bearing savings
account. After 18 months of on-time payments, members are eligible to be reviewed for the
regular Union Plus Credit Card.
The Union Plus Secured Credit Card benefits include:
The Secured Credit Card gets reported to the credit bureau as a regular credit card, so other
creditors who review your credit will see that you were issued a major credit card - meaning
you can build or repair your credit report
Deposit anywhere between $250 and $5,000 in an interest-bearing Secured Credit Card
savings account, then charge against this line of credit every month
No application fees
A competitive fixed Annual Percentage Rate (APR)
A low annual fee
Eligibility to be considered for the regular Union Plus Credit Card after 18 months of on-
time payments
No fees for additional cards on the same account
For more information or an application, union members may call 1-800-651-5108.
You can also download an application. Please go to www.afge.org; go to “Members-Only” then
click on “Member Benefits.”
7
AFGE’s FICO
®
Discount
Your Credit May Determine The Quality of Your Life
AFGE wants to help members understand how lenders determine the interest rates and credit
limits you are offered. The one most often used by lenders is a FICO
®
score.
W
HAT
I
S
A
FICO
®
S
CORE
?
A FICO
®
score is a snapshot of your credit risk picture at a particular point in time. The higher
your score, the lower the risk to lenders. Fair, Isaac and Company develops the mathematical
formulas used to produce FICO
®
scores.
Why should you know your credit score? Because lenders do. Banks and other lenders check
your FICO
®
score when you apply for and use credit. Knowing your score puts you one step
ahead when you apply for a mortgage, loan or other credit.
You, as an AFGE member, are eligible for a members-only 15% discount on all FICO
®
products.
You also have access to a tool that shows how credit decisions can affect your FICO
®
score to
help show you strategies that may qualify you for lower interest rates on your home and auto
loans.
You can learn what interest rates to expect in your state for your FICO
®
score, and use the
FICO
®
Savings Calculator to see how much you could save on monthly loan payments by
improving your FICO
®
score.
P
ROVIDER
myFICO.com is brought to you by Fair, Isaac & Company, the leader in credit scoring and the
inventor of the FICO
®
score -- the score lenders use.
Access:
Available only on-line. Please go to www.afge.org; go to “Members-Only” then click on
“Member Benefits.”
8
Credit Counseling
Program
RELIABLE CONSUMER CREDIT COUNSELING
It's often difficult to choose among the messages bombarding AFGE members from fraudulent
debt management companies and their misleading offers. To help members take a positive first
step, AFGE and Union Privilege created the Union Plus Credit Counseling program in
conjunction with Money Management International (MMI). Certified consumer credit counseling
advisors can work together with AFGE members to create a successful program to help eliminate
debt.
ADVICE DESIGNED AND DISCOUNTED ESPECIALLY FOR AFGE MEMBERS
Experienced credit counselors listen to you and your needs, then help you develop a plan of
action you can follow. No confusing gimmicks or overwhelming options. Just sound advice that
will help you stop collection agencies from controlling your financial life.
INITIAL COUNSELING
Members can get a FREE credit counseling session, budget analysis, and advice to get back on
the road to financial recovery. Simply complete a credit counseling report on line or use the toll-
free number available 24/7.
The free session covers:
• Complete financial review and budget analysis
• Assistance in budgeting or advice on sources of additional income
• Advice on how to work with creditors
• A written action plan that summarizes your financial situation, provides a budget and
timeline for reaching goals, and restates action items
• Referral to a social service organization in your area, if appropriate
• Referral to the AFGE Union Plus Legal Services or the AFGE Union Plus Mortgage
assistance program, if appropriate.
DEBT MANAGEMENT PLAN (DMP)
After the initial session, if you need additional assistance to eliminate debt, your
counselor will develop a customized DMP for you. You'll receive a 33% member discount on
the set-up fee for a DMP.
• In short, a DMP allows you to make one simple monthly payment to MMI, and
authorizes MMI to pay each of your creditors on your behalf based on the terms
negotiated with them.
9
• MMI also works with creditors to stop collection, waive or reduce interest charges, and
eliminate finance charge or late fees, wherever possible.
A TRUSTED CONSUMER CREDIT ADVISOR
The Union Plus Credit Counseling provider, Money Management International (MMI), was
carefully chosen to protect the interests of members. All interaction and transactions through this
program are strictly confidential.
For over 46 years, 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). MMI is the nation's largest full service, non-profit credit
counseling agency and currently assists nearly 100,000 clients to repay their debts.
MMI is constantly growing and currently has nearly 100 local offices throughout the country.
Access:
For more information, call 1-877-833-1745.
10
Local Credit Card
UNION PLUS TRAVEL CORPORATE CARD
An exclusive corporate card for Union leaders.
Benefits:
Round-the-clock customer service, along with a special Client Services Team to help you
manage your overall travel card program
$ 250,000 Travel Accident Insurance-covers you in case of an accident*
Baggage Reimbursement Insurance-covers lost or damaged personal items in excess of
common carrier coverage*
MasterRental Insurance Coverage-saves you up to $ 15 per day with rental car
Collision/Loss Damage Waiver Insurance*
MasterAssist Travel Assistance Services-gives you access to medical and legal
professionals and 24-hour roadside service*
*Certain restrictions and limitations may apply to the services and benefits listed. Further
information will be provided when the corporate cards are issued.
To Qualify:
Locals must be current on their per capita tax
The decision to extend credit is largely determined by the personal credit history of the Local
officers listed in the application.
Access:
For an application call 1-888-428-6466.
11
Mortgage and
Real Estate Program
AFGE’s Union Plus Mortgage & Real Estate makes refinancing and home-buying easier and
more affordable for AFGE members. Through Chase Manhattan Mortgage Corporation, one of
the largest lenders in the U.S., AFGE members can take advantage of convenient mortgage
programs over the phone or in-person.
FEATURES
• Assistance for members if they become unemployed or disabled
• Mortgage loans to purchase or refinance your home
• Loan programs for borrowers with "less than perfect" credit
• Down payments as low as 5% - and even lower for qualified buyers
• $350 toward closing costs (for buyers who use both the real estate and mortgage portions
of the program)
Home Financing Made Simple
Mortgage counselors will walk you through the entire process of buying, selling and refinancing
homes. Special programs for first-time buyers are also available.
Personal Service
If you prefer doing your mortgage arrangements in person, you can set up face-to-face
appointments by calling a local Chase branch office and identifying your AFGE membership.
Savings on Real Estate Services
To be eligible for these benefits, you must call Union Plus Mortgage and Real Estate to register.
ACCESS:
Call 1-800-848-6466 8:00 a.m. to 10:00 p.m. E. T., Monday through Friday; Saturday, 9:00 a.m.
to 5:00 p.m. E.T.
12
Costco
AFGE members who join Costco Wholesale receive free products valued at more than $40.
Costco Wholesale is the premier membership warehouse club. Costco’s 52-million members
enjoy low warehouse prices on thousands of high-end, brand-name products and services for
their home or business at more than 500 locations worldwide.
Costco is committed to offering the best value to its members with a risk-free, 100% satisfaction
guarantee on membership and merchandise. Costco members enjoy low warehouse prices on
high-quality products from brand names such as Michelin, AT&T, HP and Tide at more than 500
locations worldwide.
Costco members also save on a variety of convenient services, such as 1-Hour Photo, Pharmacy,
24-hour shopping at costco.com, an Optical Department with an Independent Doctor of
Optometry, and Travel. And many Costco stores sell discounted gasoline for your automobile.
A Costco Gold Star Membership is $50 a year and includes a free Household Card. You can use
your Costco membership at any U.S. or Puerto Rico Costco location or costco.com. Costco Gold
Star Membership is $50 per year. Executive Membership is $100 per year and earns a 2%
Reward on most Costco purchases. See the membership counter for details.
Coupons to redeem free products will be mailed to you within 2 to 4 weeks of processing your
membership application.
A free product with membership offer is valid only for non-members for their first year of
membership. Limit one offer per household.
Offer is nontransferable and cannot be combined with any other offer or coupon. Certain
product-specific limitations apply. See the membership counter for details.
Access:
Members join Costco by completing an application. The application can be downloaded online
at www.afge.org in the member-only area of the ‘Member Benefits’ section -- or members can
get one at the Costco warehouse. If you complete the application online, enter ‘AFGE’ at the
checkout. If you complete an application at a Costco store, use the awareness code 22330. For
questions or help with the application call Costco Customer Service at 1-800-774-2678.
13
Moving Van Discounts
Moving? Make it a stress-free and affordable experience with great rates on full-service moving
vans through Union Plus and the leading national moving brands, Allied Van Lines, and North
American Van Lines.
Preferred moving discounts especially designed for AFGE can save you hundreds of dollars on a
typical interstate (state-to-state or long-distance) move.
When you are relocating to another state, be sure to get a Union Plus quote on full-service
moving vans.
Look at the preferred savings on moving vans you will enjoy:
AFGE member discounts on interstate moving, packing and in-transit storage.
Increased coverage on personal property protection.
AFGE-member waiver of increased summer moving rates.
On-time delivery guarantee. AFGE members will receive a $150 per diem if the
interstate move delivery is missed due to no fault of the member.
Access:
Call 1-800-234-1159 and reference your Union Plus discount for more information or
customer service for your moving services.
14
AFGE’s Pet Services
Program
Pet owners spend upward of $12 billion a year on veterinary care and $28 billion on pet
products. AFGE members can now choose pet health insurance, to help cover costs of an illness
or accident. For pets that do not qualify for pet insurance for reasons of age or pre-existing
conditions, members can choose a low-cost veterinarian discount plan that can offer substantial
savings.
Veterinarian Discount Program (from Pet Assure)
40% savings on membership. Additional savings for multiple pets. Coverage as low as
$5.99 per month.
25% point-of-sale discount off all veterinarian services from over 2,500 participating
veterinarians.
Up to 30% savings on pet-related products and services such as pet food, grooming,
boarding and pet supplies from thousands of local and national merchants.
Free pet ID tag and 24/7 locator service for each enrolled pet.
Online account management. View bills and search for vets in your area online.
Every pet is covered - including dogs, cats, birds, fish, reptiles, horses and more -
regardless of age or condition. Covers pre-existing conditions.
Members show their Pet Assure membership card when they pay for their veterinarian
services. The discount is immediately reflected on your bill - and the discount applies to
all services.
Union Plus Pet Health Insurance
o AFGE members save up to 10% off regular premium rates
o Comprehensive coverage of veterinary fees
o Enroll your pet as early as 8 weeks of age
o Fixed premiums and deductibles
o Pick your veterinarian
Access:
For details, visit www.afge.org, or call or call 1-888-789-7387. Use this program code: UP2003.
15
Home Heating Oil Discount
Home Heating Oil Discounts for AFGE members in Boston (MA) area, Connecticut, Maryland,
southern New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island or northern
Virginia.
Through the program provider, HEAT USA, the AFGE’s Union Plus Home Heating Oil
Discount means members will receive a free service contract from a highly-rated local full-
service company. Plus members save an average of $200-$300 annually - or 15-25 cents per
gallon on fuel oil purchases.
The home heating oil discount includes:
• Save $200-$300 annually - or 15-25 cents per gallon on full-service fuel oil purchases.
• Certificate for $50 of free heating oil.
• $10 off the first year's membership fee. Union members pay only $15, instead of the
regular $25 annual home heating oil membership fee.
• Free service contract on the home heating system, including 24-hour emergency
service, extensive parts and labor coverage and annual system cleaning and tune-up. This
service contract is a $100 value!
Special feature: When you use this home heating oil discount, HEAT USA will make a
contribution to the Union Plus Scholarship Fund.
You'll also appreciate the program's:
• Satisfaction guarantee or full refund of membership fee
• Convenient automatic delivery
• Credit terms and budget billing options so you can spread your payments over time
• Shopping service for new equipment
• Free quarterly newsletter
• Monthly oil drawing where customers are eligible to win 250 gallons of free heating oil
simply by sending in their old oil bills.
Access:
Call 1-800-660-0691 or join online: www.afge.org; go to “Members Benefits.”
16
AFGE’s Legal Services
In legal matters, union members rely on expert advice. And to help find lawyers who can answer
their personal legal questions, members can consult the Union Plus Legal Service. Our database
of union-approved lawyers contains more than 2,000 law offices nationwide. The database also
includes lawyers who focus on immigration law.
No enrollment forms or fees are required. Union members are automatically enrolled and are
entitled to:
• A free initial consultation of up to 30 minutes with a lawyer (in person or over the
phone).
• Most additional services are discounted by 30%. (A member may consult with a lawyer
as many times as necessary, provided each consultation is about a separate matter.)
• A free legal review of select documents and a free follow-up letter or phone call.
• AFGE members and their spouses and dependents are eligible to participate in this
program.
• Confidentiality
Members may consult with an attorney as many times as they need to, provided it is about a
separate matter each time.
All matters are handled between you and your lawyer on a strictly confidential basis. Only your
lawyer will know you are using the service.
No other online legal service provides exactly this type of service. We also encourage union
members (and attorneys interested in participating) to refer us to recommended lawyers. Please
complete our "Recommend a Lawyer Form.” You can also comment on your experience with the
legal service by completing the "Lawyers Feedback Form.”
Some legal matters, such as closing a mortgage loan, may require further attention from your
attorney. For such matters, you will receive a 30% discount off the attorney's normal fee. Also,
discounted flat fees may be available for some common services such as drafting a will. The
discount may be smaller for contingency fee or percentage fee cases. The discount does not
apply to ownership or operation of a business.
Access:
Call 1-888-993-8886, or find an attorney online at www.afge.org.
17
College Financing
Program
AFGE and the American Education Services (AES) have joined forces to provide educational
assistance to union members and their families. The Union Plus Education Services program
offers information on financing for a range of education and training needs.
Financial Aid Counseling
Pursuing financial aid opportunities seems to cause confusion for everyone, but AES can help
guide members through the financial aid maze.
Members can call toll-free and speak to a Union Plus Education Services financial aid counselor.
Experts are on hand to answer members' questions and guide them through the application
process.
Members can access a financial aid glossary to help with confusing terms and a financial aid
literacy quiz used to measure your knowledge of the process.
Student Aid
The Free Application for Federal Student Aid (FAFSA) is your starting point for applying to
almost all student financial assistance programs. You need to complete this free application to
receive any federal student aid. Many schools also use the FAFSA as part of their application
process for non-federal aid.
Most importantly, AES can explain how to fill out the Free Application for Federal Student Aid
(FAFSA).
State Savings Plans (529 Plans
)
More than likely, your state sponsors a college savings plan. Each state determines the maximum
amount you may contribute annually per child. The advantage of state savings plans is that your
savings are not subject to state and local taxes and may grow faster than a taxable investment.
Members can Learn more about 529 plans online with access to a tool to customize their
comparison based on criteria that is important to them.
Work-Study Programs
Work-study programs are a form of financial aid in which you perform work in exchange for
money for your education. Federal government programs are the primary source of work-study,
but individual states or campuses may also offer their own programs to make additional financial
aid available to as many students as possible.
18
Grants and Scholarships
A common misconception about grants and scholarships is that only "poor" students can get
them. We want to make sure you understand that not all grants and scholarships are based on
financial need. Some scholarship programs award funds to students in a particular major; others
may award money based on athletic ability, scholastic ability, religious affiliation, race (of the
student or parent), or social activities.
Military Service
Military service provides some of the greatest financial aid and educational benefits packages
available to students. For many students, trading 3-4 years of service for a "free ride" to college,
cutting-edge technological training, and a chance to see parts of their country/world they
wouldn't see otherwise is an easy choice to make.
Loan forgiveness
Loan forgiveness programs encourage up and coming professionals to pursue study in a certain
field by offsetting their incurred student loan debt with payments for certain work-related
requirements the student-borrower fulfills
Which One Is Best?
There are a lot of financing options out there for students. Members can find the one that works
best within their means by calling toll free and speaking with a to speak with an experienced
financial aid counselor.
Please Note: Due to the impact of the subprime mortgage crisis on student loans, the Union Plus
Education Services Program no longer offers direct loans. Contact your educational institution
for more information about federal student loan programs. Or call the toll free to speak to a
financial aid counselor.
Access:
Online: www.afge.org; go to “Member Benefits.” Or call 1-877-881-1022 to speak to a Union
Plus Education Loan financial aid counselor.
19
Scholarships
Scholarships and grants are an attractive way to pay for an education because you do not need to
repay the money. Some scholarships are based on financial need, others are awarded based on
achievement, religious affiliation, ethnicity, memberships, hobbies, or special interests.
The JNS College Scholarship:
The JNS College Scholarship was established by the Executive Board of the American
Federation of Government Employees to honor John N. Sturdivant, President of the AFGE from
1988 to 1997. John graduated from the college degree program at the George Meany Center in
January 1980. We believe this scholarship program is an appropriate tribute to John's belief in
the empowerment of education.
Purpose: To provide scholarship assistance to members of the American Federation of
Government Employees (AFGE) to attend the college degree program at the George Meany
Center for Labor Studies, Inc.
Term awards for both undergraduate and graduate assistance are limited to $2500. The yearly
limit is $5000. AFGE will notify applicants of the status of their application.
JNS Family Scholarship Applications Now Available: Beginning in January through March
31, 2007, AFGE Members and their dependents will be eligible to apply for the John N.
Sturdivant (JNS) Family Scholarship. Scholarship amounts of up to $2500 will be awarded on a
yearly basis for enrollment in a course of study leading to a 2-year, 4-year, or graduate degree.
The new scholarship program is administered jointly by AFGE and by the Federal Employees
education and Assistance (FEEA) fund
For additional information or to request an application, please contact the AFGE Education and
Leadership Development Office at 202-639-4012
Union Plus Scholarship:
The Union Plus Scholarship Program is offered through the Union Plus Education Foundation
with one-time awards of $500 to $4,000. The deadline to submit an application is January 31
st
of
each year. Winners are announced by the following June. Only winners are notified.
Union Scholarships:
A better quality of life through education has always been a key goal of the labor movement.
Every year, thousands of students enrolled in college receive scholarships and grants from labor
unions. Members can access a database online that describes more than $4 million in
scholarships with details about eligibility, application deadlines, and contact information
Access:
Complete details available online at www.afge.org. For the JNS Scholarship: Call the AFGE
Education Department at 202-639-4013. For the Union Plus Scholarship program: A new
application is printed every year in the fall. Call the M&O Department to place your request: 1-
888-844-2343, in DC 639-6941.
20
Online Education
and Degree Program
AFGE has partnered with Grantham University to help facilitate educational access for a group
of people who has historically been underserved by the college and university systems.
Grantham’s online programs have brought college education to thousands of adult learners who,
because of the rising costs and lack of accessibility to traditional education, had all but given up
on the dream of being a college graduate.
AFGE members can pursue a college degree in a variety of academic disciplines or simply take a
few courses to update skills in an area. Online programs are available in: Business
Administration, Criminal Justice, Computer Science, Engineering and more.
AFGE members realize significant savings on tuition and fees in the form of a unique
scholarship program. AFGE members can take advantage of a new kind of "expeditionary
education" that allows them to complete their college courses completely online while at home,
at work, TDY, or from anywhere in the world.
Program Highlights –
Grantham University’s degree programs are designed to be ‘fast track’ for working adult
students. AFGE members may find that civilian testing (DSST & CLEP), any military courses or
military training, and training courses taken with the government may be eligible for transfer
credit.
The Grantham Evaluation Team analyzes previous college and military credits/training and then
customizes an Individual Education Plan (IEP) for each student to ensure maximum transfer-
credit benefit. Using these educational methods and Grantham’s student support, some students
can earn their college degree in as little as two years.
All Grantham undergraduate academic programs, support services, and one-to-one professor
support are offered completely online. Access to the entire University system is only a keystroke
away and available 24/7.
Access:
For more information, call the Grantham AFGE member hotline: 1-800-955-2527 or visit
www.afge.org.
For those AFGE members who are active duty military, veteran, or military family members,
Grantham offers other unique scholarship programs. For more information call 1-800-955-2527.
21
AFGE’s Online Training
Program
AFGE offers a member-only discount at Classroomdoor.com -- the source for over 1,600 online
courses to help you meet all of your computer training needs. Advance your career or get a better
job - make more money - by acquiring new skills or improving current skills.
Classroomdoor.com courses are comprehensive and easy to use. No pertinent information left
out. The courses are designed to allow you to learn at your own pace -- quickly or take your
time. No rigid class schedules.
Classroomdoor.com courses offer:
24/7 unlimited access. The bookmark feature allows you to return to the place where you
left off in the lesson.
Quizzes that test what you've learned or missed.
Simulations, interactive exercises, and practice files that ensure you retain what you
study so you can build confidence in your knowledge.
Skill assessments that show you what you know and on what you need to focus. Post
assessments that prove you've learned the material.
Printable Certificate of Completion
We also provide you with course glossaries, quick references, detail links, notes and tips. We
give you everything you need to increase your depth of understanding while retaining the
information you need to be successful.
Courses on Job-Seeking skills: Learn skills that will help get a job, advance your career and
income potential – interviewing, resume writing, negotiation, time management.
Prepare for Certification: A wide range of Microsoft products and technologies relating to
certification are offered. A member of the Microsoft Independent Courseware Vendor program.
Internet Skills: Getting the most out of the internet -- Navigating, searching, understanding web
page design, scripting languages, dynamic HTML and Java.
Professional and Personal Development: Basic computer skills, understanding Windows
95/98, grammar, math, time management, stress management, communication skills, business
writing and more.
Access:
View complete course list online: www.afge.org; go to “Members-Only,” then click on “Member
Benefits.”
22
Online Union Book Store
This unionized online bookstore offers a wide selection of affordable new and used books.
Daily book reviews from Salon.com, Esquire, The New Republic, The Christian Science
Monitor, The Atlantic Monthly, and Powell's own staff members.
• Textbooks, technical books, used books, kids' books, ebooks, rare books, collector's
books, etc.
• Gift certificates
• Author interviews
• Win free books
• And more...
Access: Available online: www.afge.org; under “Members Benefits.”
23
Mindsprinting
MINDsprinting provides FREE K-12 Math and Reading tutoring programs. Comprehensive
Assessment Tests provide immediate diagnostic results and create programs tailored to each
student's needs. Students learn at their own pace and advance only when they have mastered the
skill being studied (constant evaluation occurs to ensure mastery). MINDsprinting assigns the
lessons (unless you opt to select them yourself) from its proven curriculum and they are printed
for students to complete. Answer Keys are provided to correct lessons, and upon entering the
results MINDsprinting assigns the next one!
MATH PROGRAMS:
Students receive two math programs tailored to their individual skill level, which they may use
as you deem appropriate: Personal Math addresses math skills (and skill gaps) in a proven,
logically sequenced order that is not limited by grade; and State Standards Math addresses all the
skills, by grade, required for your state's annual proficiency exam. State Standards Math follows
the exact order set forth in the state's published standards (a copy of which is available to you on
the site). Both programs are tailored from the results of the math Assessment Test and they are
coordinated so that completed lessons in one program are not re-assigned in the other. Lessons
may be taken and re-taken as often as you like.
READING PROGRAMS
MINDsprinting also provides two Reading programs. Reading Excellence (K-3), which teaches
children how to read and write (K-3); and Reading Comprehension (4-12), which improves
students' understanding of what they read.
MINDsprinting is easy to use and has many convenient features. No training is required -
complete a quick registration and you're ready to start. Parents can manage multiple students
from one page - their Dashboard - where they can: print lessons; access Answer Keys; enter
results; and access detailed Transcripts or custom reports (all of which are easily printed and
emailed to others). Everything you need is readily available at the click of a button.
AFGE polled experienced teachers about the merits of this program. As in any endeavor in a
child’s growth, the level of success a child will attain using this program will depend upon the
level of involvement of the parent.
MINDsprinting had previously provided this program at a significant discount to AFGE
members. When the decision was made to provide this as a free service by relying on
advertising, this program was no longer exclusive to AFGE members. However, we will
continue to promote this program because we believe it provides members a significant benefit.
24
Apple Computer Discount
Apple and AFGE have a special program for union members. Members qualify for preferred
pricing on the latest Apple products and accessories.
Members can save up to 17% off on select Apple and third party products such as the powerful
and versatile MacBook Pro; the super-thin MacBook Air, the latest MacBook and iMac; the
world’s most popular music player, iPod; as well as Apple software.
Members not only save on these popular, easy-to-use, and award-winning Apple products,
members also enjoy a variety of other benefits:
o Free standard shipping on all orders over $50
o A complete online catalog, featuring the latest Apple products and compatible
third-party products
o Quick and easy ordering. Payment can be made with any combination of credit
card, Apple Gift Card, and Apple Instant Loan
o Online custom product configuration
o For product or purchasing related questions, contact APPLE
These discounts are so exclusive that only AFGE members can find out how much they are. So
sign-in to the Members-Only section.
© 2008 Apple Computer, Inc. All rights reserved. Apple, the Apple logo, MacBook Air,
MacBook Pro, MacBook, iMac, iPod, Mac are trademarks of Apple Computer, Inc., registered in
the U.S. and other countries.
In addition, members will receive:
•
Free standard shipping on all orders over $50
•
Free laser engraving on all iPods
•
Quarterly promotions
•
Online custom product configuration
Please note that Apple has the right to change them at any time.
Access:
Call 1-800-MY-APPLE (1-800-692-7753). Be sure to have your AFGE Local and membership
number handy when calling. Request the Union discount for government employees. Online:
www.afge.org; go to “Member-Benefits”.
25
DELL Computer Discount
High Tech At A Low Price:
Increase your tech power, while decreasing your costs. Whether you're a student, parent or
retiree, computers can make your life at home easier - and fun! Surf the net, balance checkbooks
and do school research quickly and easily. Check out the laptops, desktops, and other computer
deals we got from Dell.
Dell Computer Discounts
AFGE members receive 10% off of Dell Home Sales regular prices year-round through the
AFGE’s Dell Purchase Program. In addition, you’ll receive discounted 3-5 day shipping, all
generally advertised promotions, and 24X7 telephone technical support.
Benefits:
•
Receive a 10% discount on all Dimension™ and Inspiron™ systems.
•
EPP discounts taken on top of most generally advertised Dell Home Sales prices and
promotions (some consumer special offers and coupons may be excluded)
•
Discounted 3-5 day shipping with any system purchase
•
24-hour Dell hardware telephone technical support
At-home service provided via third-party contract with customer. Technician will be dispatched
if necessary following phone-based troubleshooting. Availability varies. Other conditions apply.
Access:
Order Online: www.afge.org and use coupon code WQ0SP4CNHKRFLN at checkout to
receive your AFGE discount.
Or call 866-257-4711 for more details. When ordering use Member ID: CS33585924
26
Purchasing Power
Special AFGE Members-Only Benefit: Purchasing Power, computers and more via payroll
allotment
AFGE members can purchase new, brand-name computers, electronics and home appliances for
themselves and their family through the ease of payroll allotment. With no credit check, no down
payment and a 12-month payment plan, buying life-enhancing products is simple and
economical. Plus, you can take advantage of easy budgeting via payroll allotment so you no
longer have to deal with the hassle of writing checks!
With a new computer from Purchasing Power, AFGE members will be able to:
Access the AFGE web site (www.afge.org)
Keep up with government legislation that affects you and your career
Take political action
Use AFGE's online training and career advancement programs
Stay in touch with friends and family using e-mail
Provide additional educational opportunities for your kids or grandchildren
Whether you want to further your education, enhance your career, give your children an
advantage in the classroom or get connected online, AFGE’s Purchasing Power program has the
right computer bundle for you.
Most computer bundles include the following features:
All-in-one, multi-function printer
CD burner and DVD reader
Keyboard, mouse, speakers, software, surge protector
Powerful sound and video cards
Flat screen monitors
Manufacturer’s warranty
To participate in this AFGE member benefit you must be:
An Active AFGE member
At least 18 years old
Have a credit card or a bank account to secure your order
Access:
Call: 1-800-540-4142 or online: www.afge.org; go to “Member-Only” then click on “Member
Benefits.”
27
Union Internet Service
An AFGE member-only benefit can also save you some hard-earned dollars over what you're
paying every month to your current Internet service provider. Become part of the Union Internet
community.
Features:
• Only $14.95 per Month! No Setup Fees!
• Unlimited Internet Access
• 5 MB Web Personal Storage Space
• Local Dial-up Access Numbers in Your City
• Security Encryption
• Automatic Configuration For Your Computer
• 24-hour full tech support
Sign-up:
First verify that there is a local dial-up number in your area. You can do this online or by phone.
Then sign-up online, over the phone, or order one of our free sign-up CD's.
E-mail
• Premium Union Internet Services include five (5) personal e-mails
• Add an unlimited number of e-mail addresses to your account at only $.50 per month per,
per address.
• Easy access to your e-mail account from any online Internet connection worldwide.
• You can configure your favorite e-mail program like Outlook, Eudora or Netscape, to
access and manage your e-mail.
• Manage your own account
Hi-Speed Internet Dial-up
For $17.95, add the Hi-Speed Internet Dial-up "Accelerator.” Makes your web pages load up to 5
times faster than regular Internet dial-up.
Union Web Site Design and Production
We are America's Union-Made Web Page Design, Development, and Maintenance ISP!
Web Hosting at Unions-America
Unions-America.com offers web hosting for all your union and personal needs. Our web-hosting
package gives you the tools you need for a strong presence on the Internet.
Access:
Call toll free: 1-877-712-9191, or 1-866-260-9563 or sign up online at www.afge.org.
28
AFGE’s Federal Job
Search Benefit
AFGE members have no-cost access to over 25 federal departments and agencies, representing
an estimated workforce of over 1,682,985 employees. Members can access and apply for federal
job opportunities and receive notification of opportunities of interest online. The site also
provides members with a wide range of expert information with respect to the entire spectrum of
employee relations, EEO, Civil Rights, and other workforce management issues.
AFGE joined forces with Avue Technologies because it is a firm highly regarded for its
aggressive innovation and advocacy on behalf of federal government workers and its association
with federal agencies that are seeking the broadest possible outreach to promote diversity in
hiring.
Using Avue technology, AFGE members have free access to thousands of federal government
job openings through a special "portal" designed and maintained ally for AFGE. This portal is
designed to make sure members can see all jobs currently available, and to also be notified when
any job meeting a member’s career and geographical location interests opens in the future.
Members will also find that the site contains plenty of information to help make them a better job
applicant. For federal Agencies that are Avue clients, members will even be able to apply
directly on-line, learn immediately whether they meet basic qualifications, and track their
progress 24/7. The online Avue process is fair, objective, transparent, and provides "on the
merits" consideration of all interested candidates.
For agencies that are clients of Avue Digital Services(tm), members are able to expedite their
application directly to these agencies and monitor progress through the selection process on a
365/24/7 basis.
For agencies that are not yet Avue clients, applicants are able to automatically generate and print
a hard copy resume from a "base profile" maintained on line. In addition, the site provides our
members with a wide range of expert information with respect to the entire spectrum of
employee relations, EEO, Civil Rights, and other workforce management issues.
Access:
Available only online at www.afge.org, see “Member Benefits,” under “Careers.”
29
Health Club Discount
Things are shaping up for AFGE members. Get member-only discounts on new health club
memberships at over 1,500 health clubs including Bally's Fitness and select World and Gold's
Gym across the country. AFGE Union Plus has partnered with Globalfit Fitness Solutions to
provide these health club savings for AFGE members.
The Union Plus Health Club Discount gives you:
•
A pre-negotiated 20-60% discount on initiation and monthly fees at over 1,400 health
clubs nationwide, including Bally Total Fitness.
•
The flexibility of a month-to-month membership. No long-term commitment necessary.
•
An online directory makes it easy to locate a gym near you.
•
Access to the GlobalFit's Travel Program when visiting cities across the country. (Not
available at all clubs)
•
Ability to conveniently freeze*, transfer or cancel your gym memberships.
•
Additional discounts for family members
•
Free guest pass to check out any club before joining.
•
Online access to gym information and toll-free Health Club Help Line
Membership fees billed to monthly credit card or bank account.
Access:
To locate a participating gym in your area, visit www.afge.org or call GlobalFit at 1-888-294-
1500
30
Health Savings Program
The Union Plus Health Savings program offers a great financial cure for members interested in
saving money on healthcare costs. AFGE members and their families in the same household can
reduce out-of-pocket expenses for a variety of healthcare services as soon as they join the
program.
This program is available for AFGE members, retirees and their household members - including
spouses, children and parents - are eligible for this program. There are three money-saving
packages to choose from:
Standard Program: $14.95
per family per year OR One Time fee of $4.95 when the member
uses their AFGE Union Plus Credit Card
Includes:
1. Retail and mail-order prescriptions
2. Vision care
3. Foot and ankle care
4. Hearing care
5. Medical and diabetic supplies
Premium Program: $69.95 per family per year
Includes:
1. Retail and mail-order
prescriptions
2. Vision care
3. Foot and ankle care
4. Hearing care
5. Medical and diabetic supplies
6. Dental care services
7. Nurse hotline
Premium Plus Program $159.95 per family per year OR $15.95 per month
Includes:
1. Retail and mail-order
prescriptions
2. Vision care
3. Foot and ankle care
4. Hearing care
5. Medical and diabetic supplies
6. Dental care services
7. Nurse hotline
8. Physician and hospital care
services
Access:
This program is available for AFGE members and their household members, including spouses,
children, parents and extended family.
Call 1-877-570-4846 (M-F, 9:30 am - 6:30 pm ET) for a free 45-day trial period. Have the
birthdates of any family members you plan to signup.
31
AFGE’s Flower Discount
Flowers Discount
Flowers make the perfect gift for birthdays, holidays, celebrations and tokens of sympathy. The
Union Plus Flower Service offers a variety of flowers and plants at union-members-only prices.
Choose roses, centerpieces, bouquets, flowers with balloons, baskets and more. Union members
can order discounted flowers online or by phone and have them delivered anywhere in the world,
satisfaction guaranteed.
• 20% discount per order
• Unconditional 100% satisfaction guarantee
• Wide selection of expertly designed flower arrangements, green and blooming plants and
wreaths
• Same-day flower delivery service (if ordered before noon in recipient's time zone)
• International service (with three-day delivery guarantee)
• Secure site with a "My Account" password-protected section that can send gift reminders
The Union Plus Flower Service "My Account" section features:
• Address Book. You'll automatically see all the addresses to which orders have been sent.
• Gift Reminders. Now you'll never forget to buy your sweetheart flowers on his/her
birthday! Set up your contacts in the Address Book, then designate your gift special
occasion reminders (e.g. anniversaries, birthdays, etc.) for family and friends. Seven days
before each occasion, you'll get an e-mail reminding you of the date.
• Order history, contact information and payment preferences. Rather than retyping your
information each time you order flowers, we'll store it and redisplay it for you - safely
and securely - when you need it.
• Sign up for e-newsletters.
Access:
Call 1-888-667-7779 or online: www.afge.org; go to “Members-Only” then click on “Member
Benefits.”
32
Union-Made Checks
Show your AFGE pride with Union-printed checks and return-address labels. With these 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 AFGE’s
logo.
• Members can also order convenient return-address labels with a similar design.
• Union-made personal checks:
200 count = $9.95 (plus $1.50 postage & handling)
• Union-made business checks:
Available in single-page laser & 3-to-a-page ledger styles.
• Return-address labels:
240 count = $10.95 (plus $1.50 postage & handling)
To order:
Call 1-888-864-6625 or go online at www.afge.org and print and fill out an order form. You
may also view check designs online.
• Mail your completed order form to:
The Union Shop
P.O. Box 9867
Baltimore, MD 21284-9867
• Include these items:
1. Completed order form
2. Check or money-order payment for checks and/or return-address stickers
3. A voided check from your current checkbook (to provide proper account
numbers)
Please allow three weeks for delivery.
33
AFGE’s Entertainment
Discounts
AFGE members can use Union Plus Entertainment Discounts from Working Advantage --
including movie ticket, video and theme park discounts.
Sight-Seeing Savings at theaters, Broadway shows, museums, aquariums, zoos and
sporting events like Major-League Baseball in selected cities - New York, Boston, Los
Angeles, Minneapolis, New Jersey, Philadelphia and San Francisco
Ski-Lift Discount Tickets for New England Ski resorts
Advantage Points
The Union Plus Entertainment Discounts program rewards you for making purchases and
registering online. When you buy tickets and register on the Working Advantage website, you
automatically receive extra "Advantage Points" upon signing up and you can earn one additional
point for every dollar spent on purchases. Points may be redeemed for free entertainment. Union
members, for example, can get a free movie pass for 550 points.
Disneyland Discounts are available. Disney World is not offering discounts at this time.
Sporting Events Discounts
Movie Tickets
Through Working Advantage, AFGE members can save up to 30% off the regular box office
price with discounted movie tickets from any of eleven (11) national chains. Tickets must be
prepaid. No limit to the number you may purchase. There is a minimum order of eight tickets
at a time. Tickets are valid for approximately one year from date of issue. Other restrictions
may apply.
Movie Rentals
Save up to 25% by purchasing DVD and VHS movie rental coupons in advance from
Working Advantage. BLOCKBUSTER® rental coupons are valid for approximately 6
months and Hollywood Video Rental coupons are valid for approximately one year for any
DVD or VHS movie (limit one coupon per visit per day).
Access:
• Call 1-800-565-3712, Monday through Friday, 9 a.m. to 6 p.m. EST, or online at
www.afge.org. Reference Company Member ID: 744387769
34
Union Made Clothing
Discounts
Wear union-made clothing! These Union Plus Clothing Discounts are designed by and for union
members only. AFGE members receive a 5% discount on union-made clothing from two
providers of union-made apparel. Find the union label on everything from union-made jeans, T-
shirts and sweats to socks, dresses and pants. AFGE members save on every purchase with the
union-only family discount - even order gift certificates for your friends. Two providers offer
the union-made clothing discounts:
All American Apparel Company.:
• Savings: 5% off all orders
• Product Lines: UnionLine and Graybear
• Shipping UPS shipping normally in 10-15 business days after receipt of the order.
• Return Policy: Customers may return any item within 5 days of receipt. A restocking charge
may apply for refused items or orders with customer errors.
• Payment: Mastercard, (including Union Plus Credit Card), American Express and Visa,
cashier's check or money order.
• Union Shipping
JUSTICE CLOTHING COMPANY:
• Savings: 5% off all orders
• Product Lines: B&C Apparel Company, Scotty's Fashions, Plains T-Shirt Co, Lifewear, Inc,
Protexall, Windjammer, New Jersey Headwear, Wigwam, King Louie, UnionLine and
Graybear
• Shipping: Most orders ship the same or next day, unless specified.
• Return Policy: Customers may return any item within 45 days of receipt for refund. Items
must be returned in the same condition received with tags (if any) still on.
• Payment: All major credit cards (including Union Plus Credit Card), checks or money order.
• Union Shipping
Access:
This benefit is available only online. Visit www.afge.org; and click on “Member Benefits.”
35
ConsumerReports.org
Consumer Reports is the nation's undisputed authority for providing unbiased ratings and buying
guides, helping people get the most for their money.
Consumer Reports is Union
ConsumerReports.org is published by Consumers Union, a non-profit organization which accepts
no outside advertising, no free test samples, and has no agenda other than the interests of
consumers. Consumers Union is union organized, with testers and writers represented by the
Communications Workers of America (CWA).
Benefits:
Search Product Ratings and get reports and independent, expert information
Do side-by-side product comparisons
Access to over 1,000 Consumer Reports product Ratings
Online access to Consumer Reports shopping advice 24 hours a day/7 days a week
Ratings of online shopping sites
Concise how-to-buy articles
Buying advice on items ranging from tires and computers, to cars and appliances
Use ConsumerReports.org's interactive electronics
Product Selector that allows you to make brand and model choices based on price, features
and manufacturer specifications, and gives you the option of making side-by-side
comparisons of models based upon extensive product information available from Consumer
Reports' online data.
Cost:
Special offer for AFGE members -- not for the general public -- a 27% discount. Regular
annual ConsumerReports.org subscription is $26. AFGE member special ConsumerReports.org
price is $19.
Access:
This benefit is available only online. Visit www.afge.org; and click on “Member Benefits.”
36
AT&T Wireless Discount
Union members can receive a special 10% discount on wireless service from AT&T
(formerly Cingular), the only wireless company that can, and does, proclaim that it is "Proud to
Be Union."
The 10% discount is available off the regular monthly rate for any AT&T individual or family
plan.
Additional savings: Union members also receive additional special savings on phones and
accessories.
NEW: The new Apple 3G iPhone is now part of the Union Plus AT&T Discount Program.
Members will be able to purchase the new 3G iPhone at regular price and receive the 10% Union
Plus discount off the AT&T service plan.
Please note the discount only applies to service using the new 3G iPhone. There will be no
discount for service using the original iPhone. The 3G iPhone may only be purchased at
authorized AT&T stores.
Access:
Online at www.afge.org: Find specials on phones and purchase service or add a line to your
existing AT&T Wireless account online. You will be asked to certify that you are a current or
retired union member prior to entering the AT&T Web site. You will also be asked to provide
your union name and local number at time of check out.
Call 1-800-897-7046 and purchase new service or add a line to your existing AT&T wireless
account. Notify the customer service operator that the Union plus AT&T Wireless FAN number
is: 00113662. You may be asked to fax proof of your AFGE membership.
Shop Locally at an AT&T Store
The Union discount is ONLY available at AT&T stores, NOT at any authorized dealer or kiosk.
Notify the AT&T store that the Union Plus AT&T Wireless
Discount FAN number is:
00113662 and one of the following forms of union identification to the store:
Your AFGE ID card
Your AFGE credit card
Proof of payment of union dues
37
Worldwide Vacation Tours
AFGE members can take advantage of discounted world-class travel opportunities and the
vacation choices span the globe.
The AFGE Union Plus Worldwide Vacation Tours has also teamed up with GoAhead Vacations,
a leading global travel company with more than 100 offices in 43 countries. Interested in visiting
England, Italy or beyond? Union Plus Vacation Tours offers AFGE members adventurers
endless possibilities.
• Take $100 off the vacation of a lifetime, wherever you choose to go - Europe, Asia, Africa or
Central America.
• Book your reservation at over 200 union hotels across the country.
• Flights and vacation packages are also available.
Access:
Call 1-800-590-1104 or online: www.afge.org; go to “Member-Only” then click on “Member
Benefits.”
Use Promotion Code UP147 when booking your tour to receive your credit.
38
Theme Park Discounts
Enjoy the thrill and excitement at some of the best theme parks nationwide with Union Plus
Entertainment Discounts through Working Advantage.
Choose from 20 of the most popular theme parks in the United States - from Universal Studios to
Sea World to Busch Gardens. See the sample listing of theme parks below.
You'll save from $3 to $19 a ticket off the normal theme park ticket prices. Think of the savings
for a family of four: You could save from $12 to $76 on your theme park vacation!
Most theme park tickets are valid for one year (or the current season) and may be used anytime.
Sample List Of Participating Theme Parks
• Adventure Island (FL)
• Busch Gardens (FL)
• Busch Gardens (VA)
• Disneyland (CA)
• Knott's Berry Farm (CA)
• LEGOLand California
• Medieval Times (NJ)
• SeaWorld (CA)
• SeaWorld (FL)
• SeaWorld (TX)
• Sesame Place (PA)
• Universal Studios (FL)
• Colonial Williamsburg (VA)
• More…
Please note that Disneyworld (FL) is not a current participant of this theme park program.
Access:
For pre-purchase discounted passes call 1-800-565-3712, Monday through Friday, 9 a.m. to 6
p.m. EST. Reference Company Member ID: 744387769
Online: www.afge.org; go to “Members-Only” then click on “Member Benefits.”
39
Cruise Ship Discounts
In July of 2005, Norwegian Cruise Lines (NCL) launched the first new American-flagged deep
seas cruise ship in 50 years. This new ship, The Pride of America, features a crew of some 800
union members. And NCL offers AFGE members a special discount from 5% to 30% off their
published fares.
NCL is one of the major cruise operators for the North American market. The company is based
in Miami, Florida and originates cruises out of several US cities:
Boston
New York
Philadelphia
Charleston
Miami
New Orleans
Houston
Los Angeles
San Francisco
Seattle
Vancouver
Honolulu
Kahului, Hawaii
NCL operates three cruise lines -- Norwegian Cruise Lines, NCL America and Orient Lines –
that offer cruises worldwide, including Hawaii, New England, the Caribbean, Mexican Rivera,
Alaska, South America and Antarctica.
Benefits:
NCL features “Freestyle Cruising” which offers diverse and exciting restaurants, a more
relaxed dress code and more things to see and do.
A minimum 5% discount off any published fare for which the member is eligible. This is
applied on top of any other discounts – for example: senior discount, frequent cruiser, or
state resident.
Additional special promotions with savings up to 30% off special sailings
Because of its US-flagged status, NCL America's ships offer itineraries in Hawaii that no
other cruise line can. Sailing exclusively within the Hawaii islands, without having to sail
to a foreign port, gives you more port time in Hawaii to explore everything these islands
have to offer.
Access:
Visit ‘Member Benefits at www.afge.org for link directly to the NCL web site where you’ll find
all the information concerning the cruises and you can book online. Or you may talk to a cruise
specialist by calling 1-866-867-0593. If you choose to use a travel agent, be sure to ask for the
“Union Plus Freestyle Cruising discount.”
40
Car Rental Discounts
AFGE members enjoy up to 25% in savings from National, Budget, and Avis.
AFGE members enjoy up to 25% in savings from Avis, Budget, Hertz and National Car Rental.
Whether you need a car, van or SUV, AFGE members can drive in style for less. Rental car
savings vary depending on vehicle, time of year, location and length of rental.
Instant Savings
Calling or ordering 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 confirmation for your records and to
reference when you pick up your car.
AFGE members can also choose to use their AFGE Union Plus MasterCard when they make
their reservations for Avis or Budget rental cars and automatically get the discount.
Access:
Avis:
For an online quote, visit the Member Benefits section of www.afge.org
By phone: 1-800-698-5685
reference union I.D. # B723700
Budget:
For an online quote, visit the Member Benefits section of www.afge.org By
phone: 1-800-455-2848
reference union I.D. # V816100
Hertz:
For an online quote, visit the Member Benefits section of www.afge.org
By phone: 1-800-654-2200
Reference union I.D. # 205666
National:
Members can get government rates for personal use only by phone:
1-800-227-7368
Reference union ID. #5130006
41
CONDO RENTAL DEALS
Fantastic 7-night condo stay deals for "spur of the moment" travel!
We offer some of the best resorts at the best prices around. Stay in a resort condominium and
save. Condos generally offer more amenities such as kitchens and private bedrooms, plus on-site
activities, at far less than you would pay for a hotel stay. Members can book on-line, and they
can email or call for more information.
Access:
For an online quote, visit www.afge.org under the “Travel” section of “Member Benefits” or call
1-800-365-7607 ext. 400
E-mail: spur@tradingplaces.com for your 7-night condo stay.
42
CRUISE AMERICA RV RENTALS
AFGE members receive 10% off every day Cruise America RV rentals!
Cruise America is number one in the RV Rental industry. Members get family friendly vehicles,
accommodating RV Rental policies (allowing pets) AND pricing that is fair and square.
An RV is your home away from home. With Cruise America RV, every member of the family
gets to come along, including the furry ones! At Cruise America RV rentals, our Pet-Friendly
Policy lets you keep the whole family together.
All rates include Peace of Mind protection coverage. A $500 damage deductible per occurrence
and up to $1,000,000 in supplemental Liability Insurance is included at no charge. Other RV
rental companies may charge up to $26.00 per day for similar coverage.
Access:
For an online quote, visit www.afge.org under the “Travel” section of “Member Benefits” or call
1-800-671-8042.
43
A
UTO
B
UYING
S
ERVICE
Each year, one in five AFGE members buys a new or used car or truck. For many, the experience
of buying a vehicle is stressful and difficult. Next to buying a home, a car or truck is often the
largest household consumer purchase. AFGE has developed the Union Plus Auto Buying Service
to help AFGE members through the car buying process and provide substantial savings.
Through the program, union members will receive pre-negotiated, best-market pricing on new
vehicles without having to negotiate with the dealer. The program can also help members find
used vehicles. Personal auto advisors will assist members throughout the buying process, from
selection of a car to the final purchase.
Program Features
Pre-negotiated fleet pricing on most new vehicles purchased through the program, typically 2
to 3 percent over dealer invoice
Used car pricing at 4 percent over the cost of the car at auction plus dealer preparation.
Help from the program’s auto advisors throughout the car-buying process
How The Program Works
The program helps members save by using pre-negotiated fleet pricing for new and used vehicles
at dealers all across the country. Once the member submits a vehicle request form, the auto
advisor assists the member in selecting a new or used vehicle and options. The auto advisor will
then find the vehicle at a dealer in the member’s area and negotiate a price based on fleet pricing
for new vehicles and auction cost for used vehicles. The dealer signs a contract agreeing to the
price and sends it back to the auto advisor. Then the auto advisor gives the member the
program’s pre-negotiated price for the vehicle. If the member agrees to the price they are given
the dealer’s information and the dealer is given the member’s information. They meet at the
dealership and if the member wants the vehicle they complete the purchase.
If the member decides not to purchase they are under no obligation. If they desire they may start
the process again with the auto advisor.
While the program can provide an excellent value for a vast majority of members, it may not
provide the lowest price for those members who want to take the time to haggle and travel from
dealer to dealer. Also, some vehicles are in such demand that they demand premium pricing.
However, even for buyers who make car buying a sport, the program can provide an excellent
price point to start from.
Access:
Call 1-866-824-1133 to speak with a personal auto advisor or go online at www.afge.org to fill in
a vehicle request form over the Vehicle Advantage website. The “Partner Code” is RU-503.
This code will identify the purchase as one through the AFGE Union Plus program. And be sure
to have your Local and member number handy.
44
Auto Insurance
AFGE members can save up to $393* or more on auto insurance. The Union Plus Auto
Insurance Program from AIG, a world leader in insurance, is available to participating union
members and their families.
Reliability
Auto insurance coverage you can trust - underwritten by member companies of
American International Group, Inc. (AIG)
With more than $800 billion in assets and approximately $80 billion in shareholders'
equity, AIG is one of the strongest and most stable insurance and financial services
organizations in the world.
Flexibility
Auto insurance policies available for drivers with less than perfect driving histories
Freedom of choice - union members can select body shop or mechanic if repairs are
necessary
Original equipment manufacturer replacement parts are available
Round-the-Clock Service
Call AIG companies at 1-800-241-1188 to report a claim. Service is available 24 hours a
day, 7 days a week. For changes to your AIG auto insurance policy or to ask customer
service a question, call 1-800-241-1188.
Already have an AIG auto insurance policy? You can manage your account online to pay
your bill and check your coverage.
Availability:
Union Plus AIG Auto Insurance from AIG is available in all states except MA and NH.
Access:
Call 1-800-294-9496 for a quote.
For changes to your policy or customer service call 1-877-310-5687 Monday-Friday, 7:30 am -
10 pm and Saturday from 8 am - 4 pm.
To report a claim call at 1-800-433-8880 24 hours a day, 7 days a week.
*Average annual dollar savings are based on all new Union Plus Auto Insurance policyholders nationwide who reported their prior carriers'
premium when they switched to Union Plus Auto Insurance from AIG from 2/15/06 - 2/15/07. This figure has been rounded to the nearest whole
dollar. Of the new policies issued during this timeframe, 86.9% realized a premium savings.
45
Pinnacle Auto Club
For as little as $1 a week, AFGE members can be protected by the Pinnacle Auto Club –a
premiere membership whose benefits exceed most AAA Plus plans. Membership follows you,
not your vehicle. No matter whose vehicle you are traveling in, you are fully protected anywhere
in the world. This program pays in addition to any other coverage you may have!
Up to 50% savings over AAA Plus!
Customer support 24/7 ... 365 days a year!
Assistance that follows you in any vehicle including RV’s, motorcycle, company cars,
rental cars, and recreational trailers!
Benefits include:
Up to $100 in emergency roadside assistance
Up to $100 locksmith service
Up to $500 in travel assistance
Up to $500 bereavement travel assistance
$5,000 stolen vehicle reward
Up to $25,000 bond
Up to $200 in legal fees (speeding)
Up to $2,000 in legal fees (vehicular manslaughter)
FREE custom trip routing
FREE maps and road atlases
Discounts on hotels, motels, car rentals and more
Payment Options:
Available through payroll deduction, annual credit card or check, or monthly bank draft or credit
card payment:
Member: Member + 1: Entire Family:
$2.00 biweekly $3.50 biweekly $5.00 biweekly
$4.33 a month $7.58 a month $10.83 a month
$52 a year $91 a year $130 a year
Access:
For more information or to enroll, call 1-800-366-1165 or visit www.afge.org.
46
Goodyear Tire and
Automotive Service Discounts
The average cost for car repair and maintenance for a two-year-old car is nearly $400 annually.
A new set of tires can cost between $200 and $400. To help AFGE families keep their car
running, save money and support union workers, Union Plus has developed a discount on tires
and auto service at company-owned Goodyear Gemini Auto Service Centers, Just Tires and El
Campo Tires locations. Members of the United Steelworkers of America manufacture many
tires made by Goodyear, using this program promotes union-made products and supports union
workers.
PROGRAM FEATURES:
• 5 percent discount on all tires, including snow tires, radials, all-terrain and more
• 10 percent discount on services other than oil change
• All discounts are on top of sale prices
HOW
THE
PROGRAM
WORKS:
To take advantage of this Union Plus discount, AFGE members need to present a coupon at any
company-owned Goodyear Gemini Auto Service Center, Just Tires or El Campo Tires locations.
A promotional flyer with a coupon is available through a link from the AFGE web site.
The downloadable flyer will be in the Adobe PDF format. A link to download a free version of
this software will be on the web page explaining the discount.
Members can then call toll-free 1-888-GDYR-STORES (1-888-439-7786) to locate the nearest
company-owned Goodyear Gemini, Just Tires or El Campo Tires location. (The discounts are
only available at company-owned facilities and will not be honored by franchise operators.)
Members then simply go to the store and present the coupon to receive the discounts.
Access:
Online: www.afge.org; go to “Members-Only” then click on “Member Benefits” to download the
coupon or to find a dealer close to you.
47
Free Accident Insurance
Every five minutes, someone in America dies from an accident.
The UnionSecure (AD&D) plan
creates a safety net for members and their families.
Your AFGE membership entitles you to enroll for no-cost coverage:
$5,000 of coverage against accidental death from covered motor vehicle/pedestrian
accidents, or
$1,000 of coverage for death due to any other type of accident at home, at work and
while commuting or traveling anywhere in the world.
This benefit is not automatic. Enroll online or download the enrollment PDF form to take
advantage of this coverage – at no cost for union members!
Purchase enhanced coverage: For added protection and peace of mind, you may choose to
purchase additional accidental death and dismemberment coverage from $50,000 to $150,000 at
group rates.
•
$50,000 to $150,000 base amount all-cause, 24-hour accidental death and
dismemberment benefits.
•
If an accidental death occurs due to injury sustained while riding as a passenger on any
common carrier - such as an airplane, train, bus or taxi – your beneficiary would receive
triple the amount of your base coverage. For example, if you purchase $150,000 of
expanded coverage, your beneficiary would receive $450,000.
•
If an accidental death results from a motor vehicle accident or as a pedestrian, your
beneficiary would receive double the amount of your base coverage. For example, if you
purchase $100,000 of expanded coverage, your beneficiary would receive $200,000.
•
Benefits are paid for loss of limbs, speech, hearing or sight.
•
Coverage provided for the member alone or entire family 24-hours-a-day, everywhere.
•
Pays in addition to any other insurance you may have.
•
No termination age; however, benefit amounts reduce by half at age 70.
Access: For more detailed information or to sign up online, visit www.afge.org, “Member
Benefits” or call 1-800-393-0864.
48
Voluntary Insurance Programs
NEC POLICY
Important:
The rule regarding any insurance that is marketed to AFGE members is that it must first be
authorized by the AFGE National Executive Council (NEC). If your Local is approached by an
insurance company representative, first check with the National Vice President (NVP) of your
District to see if either full or limited approval has been granted. If a member is approached by
an insurance salesman who says he is working for the union, the member should beware and
report this to the Local. These rules are in place to protect Locals and our members from
unscrupulous insurance representatives who misrepresent themselves. Allowing or marketing an
insurance program without following the criteria established by the NEC will result in personal
exposure to serious legal and financial problems for the Local’s officers, the Federation and its
members.
If an individual or Local is considering an insurance program they wish to make available to
AFGE members, they must contact their NVP with the proposal. If the NVP feels the plan
warrants further consideration, he or she will submit it to the NEC's Insurance Committee. If
authorized by the Insurance Committee, the full NEC will vote for or against approval.
Once receiving NEC authorization and upon completion of a thorough review process, the
insurance company enters into a written agreement signed by the National President of AFGE.
The agreement authorizes insurance programs from a particular company, and the company, or
its agent(s), may not market other plans sold by that company. Companies are granted
authorization to market their program District-wide or Federation-wide authorization only within
specified areas of the Federation.
Insurance agents are prohibited from misrepresenting themselves as representatives of AFGE.
Always check with your National Vice President to determine if an insurance carrier has
authorization, as well as which plan(s) it is permitted to sell. Immediately bring any problems,
complaints or contacts by an unknown insurance company or insurance salesman to the attention
of your NVP. Remember, this is for the member's, the Union's and your protection.
For a detailed list of instructions on how to implement an insurance program for your Local, or
for a copy of the NEC's policy, Criteria and Guidelines for the Establishment of Insurance
Programs, call the National Benefits Coordinator at 202-639-6483, or fax your request to: 202-
639-6451.
For a list of the insurance companies currently authorized by AFGE to market a life or dental
insurance program, please visit www.afge.org, “Member Benefits.”
49
A
UTHORIZED
I
NSURANCE
P
ROGRAMS
F
EDERATION
-W
IDE
1. Hartford Insurance Company marketed through direct mail by Union Privilege, has
Federation-wide approval to market two programs, a term-life product and an accident
insurance product. 800-393-0864
2. Americo, marketed by Benefit Advisors, has Federation-wide approval to market a
universal life insurance product. 800-236-1154
3. Fidelity and Guaranty, marketed by Benefit Architects, is authorized to market two
universal life policies on a Federation-wide basis. 800-733-7236
4. Unum, marketed by Benefit Architects, is authorized to market a short-term disability
insurance program Federation-wide. 800-733-7236
5. Evanston Insurance Company, marketed by Benefit Advisors, is authorized to provide a
Professional Liability Insurance program Federation-wide. 800-236-1154
6. AIG, marketed through direct mail by Union Privilege, is authorized to provide an auto
insurance program. 800-433-8880
B
Y
D
ISTRICT
District 2:
1. Transamerica Assurance Company has authorization to market a supplemental life
insurance product to FEGLI. Contact the District office 732-828-9449.
2. Colonial Life is authorized to market a Cancer Insurance Plan, a Critical Illness
Insurance Plan and an Accident and Whole Life Insurance product. Contact the Marlene
Garland Hill Agency at 866-582-1777 or 313-965-1777.
3. Health Plex` is authorized to provide a dental program for members residing in New
York and New Jersey. Contact your Local AFGE representative and if you are unable to,
Contact the District office. 732-828-9449
4. MetLife Dental insurance, marketed by Benefit Advisors, is authorized for members.
800-236-1154
District 3:
1. MetLife Dental insurance, marketed by Benefit Advisors, is authorized for members.
800-236-1154
2. Dominion Dental, marketed by Benefit Architects, is authorized for members. 800-733-
7236
3. Colonial Life is authorized to market a Cancer Insurance Plan, a Critical Illness
Insurance Plan and an Accident and Whole Life Insurance product. Contact the Marlene
Garland Hill Agency at 866-582-1777 or 313-965-1777.
50
District 4:
1. MetLife Dental insurance, marketed by Benefit Advisors, is authorized for members.
800-236-1154
2. Dominion Dental, marketed by Benefit Architects, is authorized for members. 800-733-
7236
3. CompDent, marketed by Benefit Architects, is authorized for members. 800-733-7236
4. Colonial Life is authorized to market a Cancer Insurance Plan, a Critical Illness
Insurance Plan and an Accident and Whole Life Insurance product. Contact the Marlene
Garland Hill Agency at 866-582-1777 or 313-965-1777.
5. Transamerica Assurance Company has authorization to market the Wrap Plan, a
supplemental life insurance product. Contact SF&C Insurance Associates, Inc., 1-800-
876-7768
6. Allstate/American Heritage is authorized to market a disability, accident and cancer
insurance program. Contact SF&C Insurance Associates, Inc., 1-800-876-7768
District 5:
1. Fortis Dental Plan authorized for members. Contact Tate Heuer at 770-914-2543
2. CompDent, marketed by Benefit Architects, is authorized for members. 800-733-7236
3. Colonial Life is authorized to market a Cancer Insurance Plan, a Critical Illness
Insurance Plan and an Accident and Whole Life Insurance product. Contact the Marlene
Garland Hill Agency at 866-582-1777 or 313-965-1777.
District 6:
1. CompDent, marketed by Benefit Architects, is authorized for members. 800-733-7236
2. Colonial Life is authorized to market a Cancer Insurance Plan, a Critical Illness
Insurance Plan and an Accident and Whole Life Insurance product. Contact the Marlene
Garland Hill Agency at 866-582-1777 or 313-965-1777.
3. Aflac is authorized to market the Personal Cancer Indemnity Plan Level 3, the Specified
Health Event Protection Plan 2, the Hospital Intensive Care Protection Plan, and the
Hospital Protection Plan 2 to members. Call 1-888- 238-3801.
District 7:
1. MetLife Dental insurance, marketed by Benefit Advisors, is authorized for members.
800-236-1154
2. Colonial Life is authorized to market a Cancer Insurance Plan, a Critical Illness
Insurance Plan and an Accident and Whole Life Insurance product. Contact the Marlene
Garland Hill Agency at 866-582-1777 or 313-965-1777.
3. CompDent, marketed by Benefit Architects, is authorized for members. 800-733-7236
4. Delta Dental of Illinois, Michigan and Wisconsin are authorized for members. Contact
the District office. 312-421-6245
51
District 8:
1. CompBenefits Elite 75 dental insurance program, marketed by Benefit Architects, is
authorized for members. 800-733-7236.
2. Colonial Life is authorized to market a Cancer Insurance Plan, a Critical Illness
Insurance Plan and an Accident and Whole Life Insurance product. Contact the Marlene
Garland Hill Agency at 866-582-1777 or 313-965-1777.
3. MetLife Dental insurance, marketed by Benefit Advisors, is authorized for members.
800-236-1154
District 9:
1. Colonial Life is authorized to market a Cancer Insurance Plan, a Critical Illness
Insurance Plan and an Accident and Whole Life Insurance product. Contact the Marlene
Garland Hill Agency at 866-582-1777 or 313-965-1777.
2. MetLife Dental insurance, marketed by Benefit Advisors, is authorized for members.
800-236-1154
3. Delta Dental is authorized for members. 800-236-1154
4. Aflac is authorized to market the Personal Cancer Indemnity Plan Level 3, the Specified
Health Event Protection Plan 2, the Hospital Intensive Care Protection Plan, and the
Hospital Protection Plan 2 to members. Call 1-888- 238-3801.
District 10:
1. Fortis Dental program is authorized in Districts 10th, but limited to the state of New
Mexico under an NEC authorized ‘grandfathering-in’ from the old 13th District. See
your local AFGE representative.
2. Safeguard dental insurance program, marketed by Benefit Architects, is authorized for
members. 800-733-7236
3. CompDent, marketed by Benefit Architects, is authorized for members. 800-733-7236
District 11:
1. Colonial Life is authorized to market a Cancer Insurance Plan, a Critical Illness
Insurance Plan and an Accident and Whole Life Insurance product. Contact the Marlene
Garland Hill Agency at 866-582-1777 or 313-965-1777.
2. Assurant Dental Program, marketed by Camco, is authorized for members. 800-845-
4669
3. Safeguard dental insurance program, marketed by Benefit Architects, is authorized for
members. 800-733-7236
4. Dental Health Services is authorized for members 800-248-8108
5. MetLife Dental insurance, marketed by Benefit Advisors, is authorized for members in
Alaska. 800-236-1154
52
District 12:
1. Colonial Life is authorized to market a Cancer Insurance Plan, a Critical Illness
Insurance Plan and an Accident and Whole Life Insurance product. Contact the Marlene
Garland Hill Agency at 866-582-1777 or 313-965-1777.
2. Allstate/American Heritage, marketed by the Riley Marketing Services, is authorized to
market a disability, accident and cancer insurance program. Contact the District office.
760-233-7600
3. The Fortis dental program is authorized in Districts 12, but limited to the states of
Arizona under an NEC authorized ‘grandfathering-in’ from the old 13th District. Contact
your local AFGE representative.
4. MetLife Dental insurance, marketed by Benefit Advisors, is authorized for members.
800-236-1154
5. Safeguard dental insurance program, marketed by Benefit Architects, is authorized for
members. 800-733-7236
6. Dental Health Services is authorized for members. 800-248-8108
7. Delta Dental/HDS of Hawaii, marketed by Marlene L. Garland Agency, is authorized for
members limited to the State of Hawaii. Contact the Marlene Garland Hill Agency at
866-582-1777 or 313-965-1777.
8. Allstate/American Heritage, marketed by the Riley Marketing Services, is authorized to
market a dental insurance program, to members. 408-422-9680 or 408-244-9177
District 14:
1. Colonial Life is authorized to market a Cancer Insurance Plan, a Critical Illness
Insurance Plan and an Accident and Whole Life Insurance product. Contact the Marlene
Garland Hill Agency at 866-582-1777 or 313-965-1777
2. MetLife Dental insurance, marketed by Benefit Advisors, is authorized for members.
800-236-1154
