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CSEA Legal Services ProgramLEGAL SERVICES6Veterans Disability Benefits —You maybe eligible for compensation if you werewounded, injured, became ill while on activeduty, or have been diagnosed with a disease,post traumatic stress disorder (PSTD) ortraumatic brain injury (TBI) relating to yourservice in the Armed Forces. Pre-existinginjuries or illnesses aggravated by militaryservice may also be covered. If you haveapplied for veterans disability benefits andwere denied, we can represent you for theappeal. FOA attorneys do not require anyupfront payment for representation and onlyreceive a fee if they are successful with yourappeal. FOA fees are paid from the benefitsthat the veteran receives.Personal Legal Matters — If you need legalhelp for non-injury legal matters, CSEA’sPersonal Legal Services Plan can help. If youpay a small enrollment fee, you can receivesome free legal services [1 hour consultation;a simple Will, Health Care Proxy, Powerof Attorney or a simple document review],and be eligible for reduced pre-publishedattorney fees for other matters. Alternatively,without any enrollment fee, you just paythe reduced rates in the Fixed Fee Schedulefor services provided by a Plan Attorney.Personal Legal Services are provided byCSEA selected attorneys committed to givingyou the best coverage anywhere for realestate deals, matrimonial or family matters,Vehicle and Traffic Law matters, adoptionsand so much more.With our consolidated CSEA LEGALSERVICES PROGRAM, you can rest well,knowing that you will have quality legalrepresentation at no out of pocket costor, where there are fees, at pre-publisheddiscounted fees known by you beforehand.CSEA Program attorneys are selected fortheir expertise and their commitment toour members. The CSEA Legal Departmentaddresses any member concerns raised withus regarding the CSEA LEGAL SERVICESPROGRAM immediately with the attorneyand does a full review and response to thecomplaint.To access the CSEA LEGAL SERVICESPROGRAM, simply call CSEA at 1-800342-4146 and follow the CSEA LegalServices Program prompts to the injuryrelated plans or to the non-injury relatedplans, depending upon your needs.CSEA ONLINE EXCLUSIVE!The NYSP 6-Hour PIRP (Point and InsuranceReduction Program) is now available onlineas well as in the classroom.In addition to financial savings, if you have atraffic violation record you may REDUCE UP TOFOUR POINTS ON YOUR DRIVING RECORD TOTAL.NYSP’s online program is the first NYS DMV-approved course that has no testor quiz requirement in order to receive point and insurance reduction credit. Theonline class is available 24/7 — 365 days a year, so you may take it at yourconvenience. When you register online at www.nysp.com, enter code CSEA fora special reduced fee of only 23.95.NYSP classroom courses may also be scheduled at a conveneiently locatedclassroom facility and require advanced registration.All NYC Boroughs: 718-748-5252Statewide: 800-942-6874www.nysp.comCSEA members saved an average of 300 per year using thisprogram!AUTO, HOME & BUYING PROGRAMSmatters, falls, automobile, constructionaccidents, medical malpractice and anyother liability case with significant personalinjuries. There is no legal fee payable unlessthe law firm is successful in recoveringmoney on your behalf. If the case is favorablyresolved, the law firm usually receives 1/3 ofthe net settlement as its fee.REDUCE UP TO 4 POINTS ON DRIVING RECORD& SAVE 10% ON AUTO INSURANCE23

22WB Mason is offering CSEA members preferredprices on over 700 items along with free shippingon any order regardless of dollar amount.Create an account atwbmason.com/CSEAMember Take advantage of CSEA’scorporate account discountson office, cleaning andschool supplies, coffee,snacks and more. Discounts can help withback to school shopping,home office, cleaningsupplies and small businesspurchases.Need Help?Call Sean Beazleyat 508-436-8320 orBrian Budinichat 508-436-8942Pearl Carroll has been CSEA’sexclusively endorsed provider ofvoluntary insurance programs for over75 years. These plans were designedspecifically to help protect CSEAMembers and their families. Call 1-877847-2732 to speak with an insurancerepresentative.Term Life InsuranceThere are two Term Life plans available:Basic and Premier. This gives youoptions so that you can find thecoverage you need at a price you canafford. Members can apply for up to 250,000 in coverage, spouses/domesticpartner up to 150,000, and dependentchildren up to 10,000 (eligible toenroll up to age 26). Rates for Term Lifeinsurance are based on five-year agebands; so your premium is determinedby your age.You can pay Term Life premiumsbi-weekly using convenient PayrollDeduction. Also, new Members whoapply within 180 days of joining CSEAare eligible to enroll for up to 50,000 incoverage without answering any medicalquestions.Disability InsuranceDisability Insurance provides monthlybenefits if you are unable to work dueto a disabling sickness or accident. Inshort, it provides protection for yourpaycheck; one of your most valuableassets. Get up to 1,500 for Clericalemployees or 1,200 for Non-Clericalemployees in monthly benefits withoutanswering any medical questions.Spouse accident-only coverage andCompassionate Care benefit nowavailable.Whole Life InsuranceWhole Life Insurance is different fromTerm Life because it builds cash valueover time. Also, your premiums staylevel and won’t change as you get older.Up to 200,000 in coverage is availablefor Members 25,000 for spouses/domestic partners, and 25,000 fordependent children (eligible to enroll upto age 26).INSURANCE & FINANCEAUTO, HOME & BUYING PROGRAMSPearl Carroll7

Universal Life InsuranceUniversal Life Insurance is similar toWhole Life because it builds cash valueover time. The key difference is thatUniversal Life is a flexible plan; meaningyou can adjust both your premiumpayments and your amount of coverage.Choose from one of 3 plans available.Members can apply for up to 200,000.Spouse/domestic partner and dependentcoverage is also available.Critical Illness InsuranceCritical Illness Insurance pays benefitsin a lump sum of cash to help offsetthe unexpected costs of dealing witha serious illness. It covers 5 majorillnesses: cancer, heart attack, stroke,kidney (renal) failure, and any conditionrequiring a major organ transplant.Coverage is available Simplified Issue;which means you can enroll with verylimited health questions asked. Spouseand dependent coverage is also available.Hospital & Home Care RecoveryThis plan is designed to provide extramoney to help cover the cost of ahospital stay and the home recoveryafterwards. Benefits are paid in additionto any other insurance you have.Members under age 75 and their spousesare eligible to enroll with no healthquestions asked.Auto, Home and Renters InsuranceMembers also have access to aconvenient rating service for Auto andHome insurance (called Personal Linesinsurance). Quickly get quotes from 12different insurance companies at once.For more details call 1-800-574-0963 orvisit pcaquote.com.cseainsurance.com8SAVEon your membershipto BJ’s Wholesale Club!1. Save 15 off our 50 Annual Membership Fee 35 NYS sales tax (100% money back guarantee)2. Save 25 off our 100 Annual Rewards Membership Fee 75 NYS sales tax (100% money back guarantee)3. FREE Second Membership Card(for another household member)4. Receive an additional Bonus Month FREE!(THAT’S 13 MONTHS TOTAL)Plus receive a 50restaurant.comgift card!*Apply during one of the four openenrollment periods.cseany.org/bjs-discountOpen enrollment periods: Jan. 1-14 July 1-14 April 1-14 Oct. 1-14For assistance accessing the application in your area call 1-800-3424146 ext. 1359. All applications must be downloaded and mailed in.*All RENEWALS will have 13 months added onto their BJ’s membership from their current expiration date.This special offer is not available at any BJ’s Club location. Restaurant.com gift card is for first-time BJ’s members only.AUTO, HOME & BUYING PROGRAMSINSURANCE & FINANCEPearl Carroll21

AUTO, HOME & BUYING PROGRAMSINSURANCE & FINANCE209

10Choose from 3 cards1. Each is designedto meet the needs of union members,have competitive rates and U.S.customer service representatives.Exclusive hardship grants for eligiblecardholders. All grants approved foreligible cardholders are paid by checkand you never have to pay them back.To apply or get more information call1-800-522-4000 or visit afscmecard.comCredit approval required. Terms and conditions apply. Union Plus Credit Cards are issued by Capital One, N.A.pursuant to a license from MasterCard International Incorporated.1Certain restrictions, limitations, and qualifications apply to these hardship assistance grants. Additional information andeligibility criteria can be obtained at UnionPlus.org/Assistance.Union Plus Consumer Credit and Budget CounselingThe Union Plus Consumer CreditCounseling Service Difference:Free budget analysis session for unionmembers: Request a session online orcall experienced credit counselors 24/7at 1-877-833-1745.Debt Management Plans (DMPs) withno set-up fee and reimbursement of allfirst year DMP fees after successfullycompleting 12 months of the plan(union members only).Program provided through non-profitMoney Management International(MMI), an accredited credit counselingprogram.AT&T is the only national unionized wireless provider with thousandsof employees represented by the Communications Workers of America.As a member of CSEA, you are eligible to receive 19% on the monthlyservice charge for any individual or family plan. The discount is availableby providing FAN#3702323 along with proof of eligibility, (employeebadge, paystub or union membership card), at any AT&T store.To find the AT&T store closest to you visit:att.com/find-a-storeFor more information, contact CSEA MemberBenefits Department at 1-800-342-4146 x 1359CSEA members saved an average of 250 per year using thisprogram!AUTO, HOME & BUYING PROGRAMSINSURANCE & FINANCEUnion Plus Credit Cards19

18Senior Life Insurance Provides Retiree Members and theirspouses with extra money to helpcover the later in life expenses Benefit can be used for anything —medical costs, credit card bills andother final expenses Guaranteed issue coverage - youcannot be turned down Available to members under age 80 Will Preparation BenefitBuyer’s Edge Inc. is a buying service that offers CSEA members“Lowest Prices Guaranteed” on many major purchases sugh asApplances, TV’s, Cars (new and used), Furniture, Kitchens and muchmore.Through the convenience of toll-free numbers, you can call many ofBuyer’s Edge vendors direct and talk to a “live” specialist, who hasproduct and service expertise, knows inventory availability and, inmost cases, can arrange delivery to your door A.S.A.P.It is FREE and convenient available to CSEA members and theirfamilies. Check them out:Dental InsuranceTwo Dental plans to choose from:Choice 1 from Cigna Dental — use anin-network dentist, no waiting periodsor deductiblesChoice 2 from MetLife — choose anydentist you want, no deductible forpreventive careAuto Home UmbrellaPearl Carroll offers a convenient buyingservice for Auto & Home insurance. Getquotes from up to 10 different insurancecompanies to compare for the bestcoverage at the best price. And with ourteam of Policy Review Specialists, you’llget a free annual coverage review beforeyour renewal date to ensure you’re stillgetting the best possible rate.Hospital & Home Care RecoveryInsurance Provides Retiree Members withextra money to help cover the costof a hospital stay and the recoveryafterwards Cash benefits are paid in addition toany other insurance you have Members under age 75 and theirspouses are eligible No medical exam or healthquestions to enroll No termination age once enrolledVision Insurance through PearlCarrollSave money on eye care with this planfrom Davis Vision Receive an eye health exam everyyear ( 10 copayment) Receive new frames and lenses everyyear ( 25 copayment) One year eyeglass breakagewarranty included on plan eyewearat no additional costINSURANCE & FINANCEAUTO, HOME & BUYING PROGRAMSSpecial Retiree Plans11

12CSEA Retiree Reduced Fee DentalProgramThis program offers retirees analternative to dental insurance.Retirees can choose from a networkof participating dental providers whoagree to charge a reduced rate forspecific services and treatments asoutlined in the Retiree Reduced FeeDental program booklet. This is not aninsurance program and is only availableto CSEA Retiree members. RetireeMembers are responsible for paymentof the fees to provider based upon theservices rendered and the prices listedfor that service. To obtain a copy ofthe booklet please contact the CSEAMember Benefits Department.Vision Care ProgramsPearl Carroll & Associates, RetireeDavis Vision PlanWith this new plan, every 12 monthsyou are eligible to receive: full eyeexamination, new frames and lensesor new contact lenses among othergreat benefits for you and your spouse.Davis Vision offers convenient networklocations, making it easy to find aUnion Plus Home Mortgage Programprovider in your area. Between theirlist of preferred doctors and select retailpartners you get the freedom to choosewhere you receive your eye care.For more details about the plan, just logon to the Open Enrollment/DiscountPlan section at davisvision.com andenter Client Code 4926 or call PearlCarroll and Associates at1-877-847-2732.CSEA Vision Care Value AdvantageProgramThis program allows members and theirdependents to receive eye examinations,eyewear and laser vision correction atreduced prices. Members simply callthe Davis Vision Care Processing Unitat 1-800-783-3594 (TTY 1-800-5232847). The Value Advantage Plan isavailable nationwide, members will besupplied with the names and addressesof network providers nearest them.Wells Fargo 500 My Mortgage GiftSM award cardcompliments of Wells Fargo HomeMortgage when you buy a home. 300 My Mortgage GiftSM award cardcompliments of Wells Fargo HomeMortgage when you refinance yourhome.Exclusive Mortgage Protection BenefitsGain peace of mind if you experiencean unexpected loss of income. Aninterest-free assistance loan or grantmay help if you become unemployed,disabled, locked out, or are on strike.The first 1,000 of the assistance loandoes not need to be repaid. It’s called theMortgage Assistance Program.Call 1-800-472-2005.unionplus.org/mortgageCSEA members saved an average of 300 per year using thisprogram!AUTO, HOME & BUYING PROGRAMSINSURANCE & FINANCESpecial Retiree Plans17

16Save up to 1,200 a year on groceries! Special Pricing for CSEAMembers: 12 Months of Program Access 29.95 per member.RETAILPRICE:This exclusive deal is for CSEAMembers and their families toSAVE BIG at the grocery store.CSEAPRICE: 69.95 29.95 Save 1,000 per year or more on your utility billIncrease the resale value of your homeNo money upfront - Incentives cover 100% of costASP will match or beat the price of establishedinstaller for a comparable system within aparticular region. Every system comes with 25year equipment warranty.With your Grocery Reward Club benefits, you’ll get: 100 in Clipped Coupons MonthlyThousands of Printable CouponsSavings on Shopping & Travel Freebies, Daily Deals & More24/7 Program Access EverydaySavings That Really Add UP!CSEA Member Bonus:Sign up today and we’ll add in a bonus 25Restaurant.com Monthly Dining Reward eachand every month!Visit the CSEA enrollment page:www.groceryreward.club/CSEACSEA members saved 500 using this program!SCHEDULE A FREE HOME SOLARASSESSMENTCALL solarpartners.com/cseaAmerican Solar Partners (ASP) provides solar power systemsusing American made solar panel and union (IBEW) installation.CSEA members saved an average of 1200 - 2000 per yearusing this program!AUTO, HOME & BUYING PROGRAMSAUTO, HOME & BUYING PROGRAMSSOLAR POWER FOR CSEA MEMBERS!13

AUTO, HOME & BUYING PROGRAMS 50 worth of free oil upon sign-up.CSEA MembersPay Less for PropaneExclusive Benefits for CSEA Members: Save an average 300- 500 a year on propane Work with a top local propane supplier Access to Tankfarm member services team 100 upgrade cert

Pearl Carroll & Associates LLC and MetLife each sponsor a one-time 2,500 award. Applications are available in mid-February from Local and Unit Presidents. Filing for a Flaumenbaum Scholarship automatically puts an applicant in consideration for the Pearl Carroll & Associates LLC and MetLife Scholarships. To download the Flaumenbaum