Consumer Tips

Here are eight fun and safe ways you can enjoy this summer with your pet:

1. Buy a kiddie pool for you dog.
   Let them play in and cool themselves off in it. Always keep an eye on your dog while playing in the kiddie pool — and of course make sure they like the water.
    
2. Take your dog (or cat if they like the car) on a scenic drive.
   It’s social distancing while also getting you and your pup out of the house.
    
3. Go hiking with your dog.
   Organize a trail hike appropriate for your dog’s fitness level and breed. Be cautious not to go in the heat of the day, and be sure to bring a doggie water receptacle for breaks.
    
4. Take your dog camping with you.
   Dogs love being outside and will appreciate the nature getaway. Bonus points for letting them sleep in the tent!
    
5. Go to a lake or other safe body of water for an afternoon of swimming. 
   Many breeds love the water, see if your dog is one of them! Consider a canine lifejacket for them if you’re boating with your dog.


6. Go for a summer bike ride. 
   For small dogs, a bike pull trailer meant for children can be easily converted to accommodate dogs, allowing you to take the littlest members along for leisurely summer bike rides. Be sure your pet is safely harnessed in so that he or she can’t leap out. And always avoid roadways with dogs.


7. Check out the local dog park. 
   Most cities have some designated parks where dogs are allowed to roam off leash. Always ensure your pet is up-to-date on vaccinations when frequenting high dog-trafficked areas.


8. Take a scenic car ride with the windows (partially) down. 
   If your dog loves to stick her head out the window, consider getting her "doggles," which are canine goggles designed to protect eyes and shield from the sun as well. 

By getting outdoors and including your furry friend in family outings this summer, you’ll be sure to make lasting memories while also helping your dog to be the best companion possible.

Protect your pet from summertime injuries with Union Plus Pet Health Insurance. Accident Only¹ plans are only $6/month for cats and $9/month for dogs. If you'd like to include illness coverage, there are comprehensive BestBenefit Accident and Illness plans² available. 

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Union Plus PET HEALTH INSURANCE

The coronavirus pandemic stalled the start of the traditional spring buying season, and has many buyers and sellers wondering what to do next. If you’re in that group and wondering whether to move forward with your buying plans, here are a six things to consider:

1. Take stock of your personal homebuying goals and finances. 
   Did the pandemic change what you’re looking for at all? Is a home office more important than a backyard patio? What about your finances? Do you feel secure in your job? Do you already have savings set aside for a down payment as well as for a rainy day fund?
    
2. Know what you can afford. 
   The recent health crisis reinforces the reality of economic ups and downs and the fact that disasters can happen. It reinforces the importance of not overextending yourself in buying; you want to be able to weather any economic cycle. As you consider this, know that a bright spot is that mortgage rates are very low right now, which helps stretch your dollars when you decide to buy.
    
3. Start your house hunt from home.
   If you’re worried about venturing out, rest easy in knowing you can do a lot of the groundwork from home. As a result of coronavirus, virtual tours and agent-led video walk-throughs and video chat tours have all been added to the mix of showing homes. Lenders are available to serve you remotely, too, and are always available to have conversations about the lending process by phone.
    
4. Understand your down payment options.  
   There are still financing options available that don’t require you to put 20 percent down. Low down-payment options include our own yourFirst Mortgage^® program and government programs like VA and FHA. How much you put down is a financial decision to weigh as you look at your own finances and personal situation. It’s important to note that putting more down can reduce your monthly payments, which can free up dollars for other parts of your budget, including savings.
    
5. Double down on your rainy day fund. 
   It’s always been a good idea to have a little to fall back on. Owning a home means you’ll have expenses for repairs and updates. The economic uncertainty caused by the pandemic also reinforces the importance of having money to fall back on if you have an unexpected expense or loss in income.


6. Embrace digital tools. 
   Just like shopping for your perfect house, you can apply for a home loan from your kitchen; you never really need to step into a bank. Many tasks can be handled online, from starting the loan applications to signing disclosures and uploading needed documents during the loan process.

The current crisis has many Americans reflecting on their living spaces and thinking about their long-term financial goals. While no one knows exactly what will happen in the economy, if you are weighing whether buying is right for you, take a minute to focus in on your own unique goals, opportunities and circumstances and make the best decision for you.

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WELLS FARGO MORTGAGE

Here are four questions you may be asking yourself and how Wells Fargo home mortgage can help:

1. How can I save for a down payment? 
   It's never too early to start saving. To help you identify your need-to-haves, cut back on nice-to-haves, and put aside money you’ll need to buy a home, you can take advantage of our online budgeting and savings tools. You could also set up a separate “first home” savings or investment account and have a set amount directly deposited into it every month. The set amount could be automatically deducted from the account where you deposit your paycheck or other income.
    
2. What if I am not able to make a 20% down payment? 
   There are several mortgage loans and programs that may help homebuyers reach their goals with less available cash. Just remember, if you make less than a 20% down payment, you will likely be required to purchase mortgage insurance.
    
3. Can I use gifted money to help me make my down payment?
   Some loan program guidelines may allow you to use monetary gifts from family as part of your down payment.
   Keep in mind: You will most likely be required to provide written proof that the funds were truly a gift and not a personal loan. There are limits on how much gift money you can receive per year without increasing your tax obligations. Speak with a financial advisor, tax accountant, or your home mortgage consultant to learn more about how these options can impact your overall home financing plans and future goals.
    
4. Are there any other down payment sources I may be able to use? 
   Not-for-profit down payment assistance programs (DAPs) provide funds to qualified homebuyers to help with down payments and closing costs. Many DAPs don’t require repayment, if you meet their guidelines. Your home mortgage consultant can help you find out which programs are available in your area, explain their details, and see if you qualify.

There are many types of mortgages with different down payment requirements available to you. Ready to take the next step? Your Wells Fargo home mortgage consultant can help you understand your options so you can make informed decisions.

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WELLS FARGO MORTGAGE

MetLife Auto & Home’s claim organization stands ready to assist their customers impacted by Hurricane Laura, in Texas, Louisiana, and Mississippi.

Resources Available

MetLife’s National Catastrophe Response Team is ready to handle any incoming claims, and their claim personnel are prepared to:

• Help customers secure shelter, as needed.
• Guide customers through temporary repairs.
• Issue advances for immediate expenses using debit cards and electronic fund transfers.
• Promptly compensate customers for any damage to property.

Filing a Property Claim

If you need to file a property claim:

• Phone: 800-854-6011
• Fax: 866-743-1546
• Email: MET_CAT@metlife.com

Filing a Flood Claim

If you need to file a flood claim:

• Phone: 877-254-6819
• Email: metlifecs@torrentcorp.com
• Customer website: metlife.managemyfloodpolicy.com
• Agent website: metlife.torrentflood.com

Tips for Staying Safe

These are other resources that can help you stay safe! Please share these links with your family and friends:

• Preparing for hurricanes and tropical storms
• Packing a grab-and-go bag in case of disaster
• YouTube — 3 quick hurricane tips
• MetLife Hurricane Support
• MetLife Cares Twitter 

This important update was brought to you by Union Plus Auto and Home Insurance. MetLife Auto & Home^® lets union members compare and save on home and auto insurance.

Call 855-666-5797 and mention your discount code: DJ7.

GET YOUR PERSONALIZED QUOTES TODAY

These seven DIY home improvement projects can help you fall in love with your home again:

1. Paint Your Walls 
   Whether you choose a bright white to make a small room feel larger or an inky blue for a dramatic effect, there's nothing like a fresh coat of paint to make a space feel new. Feeling adventurous? Add a pop of color to your ceiling too.


2. Spruce Up Your Porch 
   A new doormat and pretty planter can lend your front entrance a fresh new look and curb appeal. 
    
3. Pressure Wash Your Exterior
   You'll be amazed by how much dirt and grime washes away from your house, porch, patio, and driveway.
    
4. Updated Cabinet Knobs and Pulls
   New hardware can make an older kitchen or bathroom vanity feel modern again. Look for an updated finish that speaks to your style. 


5. Rearrange Your Furniture
   With a few shifts, you may find a space configuration that works better for your space. Don't be afraid to mix furniture and accessories from different parts of your home. 


6. Get Organized
   De-clutter and take stock of your belongings. A few floating shelves or pretty wicker baskets can make a big impact on your storage needs. 


7. Make Your Home Smarter 
   From lightbulbs that connect to an app to smart thermostats and camera-enabled doorbells, some new technology can help introduce greater function to your home.  

And of course, no matter how you DIY your home, as a union member, you have access to homeowners insurance with MetLife Choice^SM, allowing you to quickly and easily compare home coverage from top companies.

Call 855-666-5797 to get started on your free quotes. 

GET YOUR PERSONALIZED QUOTES TODAY

Essential estate planning documents include a Last Will and Testament, Durable Power of Attorney, and Health Care Power of Attorney. While it is optimal for a parent to have these documents created prior to having a need for them, there are still options for having these documents established as long as the parent has the mental capacity to make legal decisions.

Durable Power of Attorney
A Durable Power of Attorney, also referred to as a Financial Power of Attorney, allows the Maker of the document to delegate decision-making authority to the person, or Agent, of their choice. Upon the incapacity of the Maker, the nominated Agent has the ability to step into the shoes of the Maker with regard to all financial affairs. Their powers include the ability to inquire about financial status, pay bills, pay taxes, manage bank accounts, and fulfill other financial obligations on behalf of the Maker. Also, an Agent under a Durable Power of Attorney may have the authority to sell property, create a Trust for the benefit of the Maker, bequeath gifts, and manage the financial aspect of medical care.

Health Care Power of Attorney
The Health Care Power of Attorney is created by the Maker to allow the nominated Agent to make health care related decisions in the event the Maker becomes incapable of arriving at those decisions on their own. The Health Care Power of Attorney Agent has the authority to make decisions regarding medical treatment, including medications and surgical procedures. An Agent under this power is also permitted to carry out the Maker’s wishes with regard to autopsy and organ donation. In some states, mental health care decisions are included in this Health Care Power of Attorney; however, in other states decisions related to mental health must be contained in an independent Mental Health Care Power of Attorney. Certain powers are specific to the treatment of mental health issues, including the ability for an Agent to enroll the Maker in a structured mental health care facility, particularly important in the treatment of advanced dementia or Alzheimer’s disease.

Last Will and Testament
Finally, a Last Will and Testament allows a parent to make provisions for the distribution of their estate after they pass away. These provisions can include specific bequests to family members or friends, including gifts of a monetary nature, personal property, and real property. A Will also nominates the person(s) the parent chooses to ensure that their last wishes are carried out properly. This nominee, known as either the Personal Representative or Executor depending on the state you live in, is charged with following through with the instructions contained in the Will and ensuring that the last wishes of the Maker are followed completely. A Will can also outline specific memorial and funeral instructions, including whether the Maker would prefer cremation or burial, where their remains should be disbursed or interred, and if there should be a formal funeral or a simple ceremony.

There are several easy ways to virtually connect with the important people in your life. It's easy to set up virtual movie nights, happy hours, book clubs, birthday parties or even wine tastings using these simple-to-use apps. Check them out and stay connected.

Ways to Connect Virtually

• Zoom works well for getting a large group on screen together, especially once you set gallery mode and can see everyone at once. It’s free to sign up and host a meeting. Video conferences of three or more are limited to 40 minutes unless you upgrade your membership.
• Skype has been around for a long time and supports big groups with no real time limit. You can put together video calls of up to 50 people at once. 
• Facetime is perfect if everyone's Apple friendly. Facetime can handle up to 32 people at a time. 
• Google Hangouts video calling can include up to 25 people. Video calls on Google Hangouts are completely free to make. 
• WhatsApp is a good option, if you don't mind a four person limit. It's free to video call friends, wherever they are.
• Netflix Party is available on Chrome browsers and is free to download. It allows users to synchronize a show or movie viewing with friends. You can also react to what you're watching by using the chat feature.  

During these difficult times, you may not be prioritizing your education, but we are here to help. In response to the economic uncertainty surrounding the Coronavirus pandemic, we are offering to help union members and their families complete their bachelor's degree online for free. 

Complete Your Entire Degree Online for Free

• You can finish your entire degree 100% online with no out-of-pocket costs (such as tuition, fees or e-books) until graduation.*
• If you are unemployed, furloughed or laid off, don’t worry — you and your extended family members are still eligible to enroll in the Bachelor's Degree Completion Program at no cost.
• In partnership with Central State University, this flexible, 100% online program gives you the ability to work on assignments 24/7.
• Your courses are transferable to other schools and financial aid is available to students demonstrating need — including those affected by the Coronavirus pandemic.

Register now and continue your education without any financial worries.

COMPLETE MY DEGREE ONLINE FOR FREE

Limited Time Offer: Free Document Review and Consultations

Union members can contact MetLife Legal Plans Network Attorneys through July 31, 2020 for no charge advice, consultations and document review for many issues, including:

• Healthcare proxies or other estate planning
• Home refinancing or personal insurance forms
• Elder law questions for caregivers

Self-Help Document Library 

Union members will also have access to MetLife Legal Plans Self-Help Document Library to complete wills, living wills and power of attorney documents.

To access the Self-Help Document Library:

• Click the button below and enter the access code: 9790010.
• Click "Covered Services" in the top navigation and then select the "Self Help Documents" tab, and then click the "Access Now" button to browse the document library.

ACCESS FREE METLIFE LEGAL
SELF-HELP DOCUMENTS

If you need assistance, please contact Customer Service Center at 800-821-6400, Monday-Friday 8am - 8pm EDT.

If you are not enrolled in MetLife Legal Plans, you will need to state you are with Union Plus and provide the last four digits of your Social Security Number, and indicate that you are interested in the document review and consultations services being offered as part of the Disaster Relief Plan. 

If you are a current enrollee, you will need to provide your membership number.

The CARES Act is a stimulus package that became law last week. The Act includes measures intended to stimulate the economy and provide financial relief to individuals, as well as small businesses and large corporations.

The Act is 883 pages, but here are some quick take-aways of the measures that will most directly impact you and your family:

Direct Cash Payments and How Much You May Receive

• Most adults are eligible to receive a one-time, direct cash payment. Payment amounts are based upon income:
• Most people earning $75,000 or less can expect $1,200
• Married couples without children, earning $150,000 or less can expect $2,400.
• Add an additional $500 per qualifying child under 16.

Help for Unemployed Workers Unemployment Benefits
Most unemployed, partially unemployed and people who cannot work for number of reasons related to the Coronavirus (COVID-19) pandemic will receive benefits.

Unemployment Benefit Term Extended by 13 Additional Weeks
The bill provides all eligible workers with 13 weeks of unemployment benefits, in addition to your state's unemployment benefits (which are typically 26 weeks, though this varies by state).

An Additional $600 in Weekly Unemployment Benefits through July 21, 2020
Eligible individuals will receive $600 weekly in federal pandemic unemployment compensation in addition to their current state unemployment benefits for four months — through July 31, 2020.

Expansion of Unemployment Eligibility
The new law extends unemployment benefits to full time, part time and self-employed workers, and includes provisions to support working individuals and families who have been impacted by the closing of a daycare or senior care facility.

There are also provisions for tax payments, student loans, retirement account rules and renters facing eviction.

Get More Information
This summary is not exhaustive. Please refer to the below resources and/or your trusted news outlets for more in depth information on Coronavirus (COVID-19) and the "Coronavirus Aid, Relief, and Economic Security Act."

• Read the Congressional Bill — H.R. 748
• Read The New York Times article, "F.A.Q. on Stimulus Checks, Unemployment and the Coronavirus Plan"
• Read The Washington Post article, "Calculate how much you'll get from the $1,200 (or more) coronavirus checks"