OPEIU

Your Hearing Network is a nationwide hearing healthcare network that gives members access to skilled hearing care professionals and exclusive discounts.

¹Over 40% off pricing as referenced in the "Consumer Guide to Hearing Aids". Details available on request. Discount varies depending on product.

²Certification of hearing loss is required. Telephone service and high speed internet are required.

³Trial period for hearing aids is 75 days. If you’re not satisfied, simply return your aids for a full refund. Ask your provider for more details.

⁴Approval based on credit.

The Union Plus Credit Cards and Teamster Privilege Credit Cards are issued by Capital One, N.A. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

The Union Plus All-in-One Prepaid Visa^® Card offers union members control and unmatched benefits all-in-one.

BY USING THIS CARD, YOU AGREE TO THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY. The Union Plus All-In-One Prepaid Visa Card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. “Metropolitan Commercial Bank” and “Metropolitan” are registered trademarks of Metropolitan Commercial Bank. © 2014

FOR CUSTOMER SERVICE CALL Cascade Financial Technology Corp at 1-844-940-1229.

¹IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

²Other fees, terms and conditions apply, see cardholder agreement.

³There are no overdraft fees because overdraft fees are not permitted.

⁴Visa Purchase Security: Certain terms and conditions apply. For general questions regarding the benefit, call 1-800-553-4820 or visit our website at www.securecardassociation.org.

⁵Visa Zero Liability: You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please see your cardholder agreement.

⁶Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds are subject to payer's support of the feature and timing of payer's funding.

⁷Mobile Device Protection: Certain terms and conditions apply. For general questions regarding this benefit, visit our website at  www.securecardassociation.org  or contact us at 1-855-955-6469.

⁸The Group Term Life Insurance offers a benefit payout to a chosen beneficiary. This Group Term Life Insurance may be issued on Form Series GLC-3002, by Guarantee Trust Life Insurance Company (GTL), 1275 Milwaukee Avenue Glenview, IL 60025 or Policy Form Number ALTLP-TX-05, by Amalgamated Life Insurance Company (ALI),  333 Westchester Avenue, White Plains, NY, 10604.

Benefit amounts are based on age at the time you become a member of the SCAA. These coverages and their features may vary by state. Certain exclusions and limitations may apply, for complete details of coverage, please refer to your certificate. This coverage is not intended to replace any life insurance currently in force.   GTL, ALI, Metropolitan Commercial Bank, and Secure Card Association of America (SCAA) are separate legal entities and have sole financial responsibility for their own products.  GTL and ALI provide the Group Term Life insurance coverage and do not provide nor are they affiliated with the discount programs provided as a benefit of membership in SCAA. The Term Life or Accidental Death insurance included with your account is not FDIC insured, guaranteed by the issuing bank, or a deposit account.

Eligibility

If you've had a Union Plus home mortgage for a year or more, you're protected with our unique Mortgage Assistance Program administered through the AFL-CIO Mutual Benefit Plan. Read the Plan's Eligibility and Benefits.

• You must have a Union Plus mortgage for at least one (1) year.
• You or your eligible cosigner are out of work due to a union-approved strike, lockout, involuntary unemployment, or disability;
• Your income or the eligible cosigner's income is reduced by an amount equal to at least 50% of the monthly mortgage payment;
• The income loss occurred within one (1) year of your application.

Documentation verifying your union membership, out-of-work status and related income loss is required at the time you apply for benefits.

To apply for mortgage assistance, you'll need:

1. A working printer to print out forms after you've completed the application.
2. An email address, so we can contact you about your application.
3. Your most recent Union Plus mortgage statement must be included with your printed application.
4. The name of your union and the local number.
5. Your monthly gross (before-tax) income when you're working a full-time schedule.
6. Your monthly gross (before-tax) unemployment or disability benefits (sickness  & accident, worker's compensation, etc.).
7. The last day you worked.

*If you're unable to apply online and need an application mailed to you, please call 800-472-2005 to request one by mail. To expedite your request please be sure to leave a detailed message, including your full name, full mailing address and phone number. Please slowly and clearly spell out your name, your street and city names.

Union Plus Credit Counseling and Debt Management Plans are administered through Money Management International (MMI), a national nonprofit dedicated to changing lives and creating fresh starts for families and individuals struggling with financial challenges.

Requirements

1. You must be a union member or union retiree.
2. You must have at least one outstanding unreimbursed medical expense of $400 or more from a single medical provider. But there's no limit on the number of medical providers with which the service will negotiate.

Eligible Medical Expenses

• When you calculate your unreimbursed medical expenses, you may include expenses incurred from physicians, dentists, hospitals, surgery centers, diagnostic service providers — any medical provider. The Service attempts to negotiate any medical or dental bill regardless of insurance benefit status, including insured, underinsured, non-covered and out-of-network claims.
• Do not include expenses that were covered by your (or your spouse/dependent's) health insurance. Health Advocate may not be able to fee negotiate on money that was applied towards a deductible, coinsurance or co-pay. Deductibles, coinsurance, and co-pays are the member's contracted obligation with the insurance carrier.
• Unreimbursed expenses must be at least $400 for each medical provider.

 How to Apply

1. Complete the online application form.
2. Print your confirmation email, sign and mail to:
   ATTN: Union Plus Medical Bill Negotiating Service
   c/o Union Plus
   1100 1st Street NE, Suite 850
   Washington, DC 20002
3. Please allow 4-5 weeks for application processing.
4. When your application is approved you will be notified by email and postal mail. You will be advised to contact the medical negotiation service provider directly. You should be prepared to provide them with documentation of your unreimbursed medical expenses of at least $400 per medical provider, copies of medical bills, or insurance Explanation of Benefits (EOB) forms.

Important Note: Do NOT mail copies of your medical bills with your application.

Questions

If you have additional questions, please send an email to grants@unionplus.org.