CWA members and employees are eligible for a 15% discount off the Monthly Access Charge on Home, Regional and National rate plans, along with the following: Free Nokia 6340i (GAIT) on any plan; Free Ericsson T226 (GSM) when activated on $29.99 and above plans; Free Nokia 3595 (GSM) when activated on $29.99 and above plans; Free Cigarette-Adapter Power Cord; Free Hands-Free Kit; Free Activations; No fee to foll over from existing plans - we are allowing those with existing plans to take advantage of this special offer; Standard Credit Approval Guidelines Apply (credit based on individual rating).

THIS OFFER IS ONLY AVAILABLE VIA THE WEBSITE OR PHONE NUMBER. Follow the link to Cingular or call 1-877-751-7257, Monday-Friday, 7 am-8:30 pm central time, and Saturday, 8am-6pm central time.

Copyright © 2002 Nabet-CWA Local 41, All Rights Reserved.

Finally - affordable, quality health care for the entire family.

You want the best care when it comes to your families' health. But quality care at an affordable price can be out of reach for working families. Even families with some insurance coverage often have high out-of-pocket expenses.

That's why we developed the Union Plus Health Savings Program in conjunction with our program provider, MedAdvantage. For less than $15 per year, union members and their families (including parents) can save on expenses for prescriptions, vision care, diabetic supplies and more. For less than $50 per year your family can also get discounts on dental care services, plus access to a special nurse helpline. Compare with similar programs that charge $129 or more.

Call 1-800-228-3523 for more information and to enroll.

1) Health Savings Premium Program - $49.95 per year (coverage for members, spouses, children and parents)

Dental care services
Retail and mail order prescriptions
Vision care
Foot and ankle care
Hearing care
Diabetic supplies
Nurse HelpLine

2) Health Savings Standard Program - $14.95 per year or free when you use your Union Plus Credit Card (coverage for members, spouses, children and parents)
Retail and mail order prescriptions

Vision care
Foot and ankle care
Hearing care
Diabetic supplies
No More Claim Forms - Just Instant Savings

After you enroll, we will mail you a Union Plus Health Savings card (allow 5 - 7 days for delivery). Simply present your card when you visit a participating eye doctor, pharmacy or other health care provider, and receive discounted rates on the spot. It's that easy. Best of all, there's no limit on the amount you save or the frequency with which you use the program.

The program also offers quarterly account activity summaries, making it easy to track how much you've saved.

FREE Enrollment
You can now enjoy the Health Savings Standard Program benefits for free. Just use your Union Plus Credit Card when you enroll.

Find answers to important questions for retirees through the Alliance for Retired Americans.

Here's more information for consumers from the Food and Drug Administration: Health Tips
Providers in your area
Search for a dentist.
Pharmacy look-up for the US Script Open Network (no ID number required).
Find a vision care provider.

TRY BEFORE YOU BUY
Union members can call 1-800-228-3523 for a free 30-day trial period. Representatives are available Monday - Friday from 9 am - 6 pm (ET). Se habla espanol.

Have your credit or debit card ready, and the birthdates of any family members you plan to enroll.

Prescription Savings & Convenience

Save an average of over 18% or over $12 per prescription at more than 39,000 pharmacies nationwide including Rite Aid, Safeway and Thrifty-Payless chains.* Or get even greater savings when you choose to have convenient, money-saving mail-order prescriptions delivered right to your door. (*Based on second quarter 2003 claims and savings data.)

Dental Care Deals

Under the Premium plan, members can use the dental care services and save on routine exams, cleanings, fillings, X-rays, root canals, crowns and bridges, extractions and orthodontics. Simply choose any provider from our list of more than 20,000 qualified dental professionals. Then make an appointment and show your Union Plus Health Savings card when you visit. You'll get instant savings with the program's reduced fees. In most cases, members will save an average of 35% per office visit for dental care services.

Vision Care Discounts

No matter what your eye care needs, you can enjoy substantial savings (up to 50% off) on frames, glasses and contact lenses at more than 9,000 independent optometrist shops. Union members also typically save about 30% on a routine visit to the eye doctor, which includes an exam and a pair of single-vision glasses. And they can save as much as $100 on more costly vision-care items, such as progressive eyeglass lenses or gas-permeable contact lenses.

Foot & Ankle Care

With the Union Plus Health Savings program you can save up to 40% or more off the usual and customary charges for foot and ankle care services and procedures performed by over 3,800 podiatrists nationwide. Typical services available include treatment for bunion removal, corns, calluses and heel spurs. The program also provides discounts of more than 50% on orthotics.

Hearing Care Services

Save up to 30% on the usual and customary charges on hearing care services and save up to 58% on the retail priced hearing aids provided by credentialed audiologists at more than 1,300 locations nationwide. Typical services include hearing tests and hearing aids. The program also provides discounts on hearing aid repairs.

Diabetic Supplies

By special arrangement with an established mail-order program, union members receive discounts of up to 30% off retail prices on diabetic supplies, including needles, syringes, glucose meters, test strips, pumps and more. Orders can be made via phone, fax or mail and are conveniently delivered to your door.

Nurse HelpLine

Under the Premium plan, union members have unlimited access to the Nurse HelpLine. Experienced registered nurses offer personal health care advice and support as well as general health information, 24 hours a day. The HelpLine also offers a large library of pre-recorded health information.

FOR FURTHER INFORMATION PLEASE CALL: 1-800-228-3523 OR GO TO OUR AFFILIATES PAGE ON THIS WEBSITE AND CLICK ON THE LINK TO UNION PLUS.

Read Q&A's from lawyers.

For more legal consumer tips click here.

Use our Online Lawyers Directory to find a lawyer.

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 1,900 law offices nationwide. The database includes lawyers who focus on immigration law.

Free Lawyer Consultation and Review

No enrollment forms or fees are required. Union members are automatically enrolled and are entitled to the following benefits for each separate legal matter:

A free initial consultation with a lawyer of up to 30 minutes (in person or over the phone),
A free simple document review and explanation
A free follow-up letter or phone call, if likely to resolve a legal matter.
Most additional services are discounted by 30% (including attorney's hourly rates and flat fees for most common legal cases.

It's Confidential.

All matters are handled between you and your lawyer on a strictly confidential basis. Only your lawyer will know you are using the service.

It's Unique & Union-Backed.

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.

FOR FURTHER INFORMATION, CLICK ON THE LINK TO UNION PLUS ON OUR AFFILIATES PAGE.

As the college acceptance letters start filling mailboxes across the country, you and your family may be figuring out how to pay for all your current and future college-related expenses!

Here's the bad news: there's no escaping the fact that college costs are rising.

Believe it or not though, there is good news. Financial aid is still available. And, especially with Union Plus benefits, a college education remains an affordable choice for most working families.

Special features of Union Plus Education Services - www.unionplus.org/education prepare students and their parents for higher education.

Take out a Union Plus Education Loan and you will be eligible for the unique strike benefit - financial assistance should you ever go on strike. Begin the application process now.

First, be sure to complete your FAFSA.

College loans include low-cost federal loans and private
loans with rate reductions for automatic and on-time payments.

Already been to college, but feeling the weight of your student loans? Bundle all your existing education loans into one low payment with a consolidation loan.

Access expert advice to prepare for the college entrance exams, select schools, apply to colleges and decide which school is the best fit for you - all with help from the Union Plus College Planning Center.

Call 1-877-881-1022 to speak to a Union Plus financial aid counselor for experienced guidance.

Exercise your UPromise Advantage. By shopping at participating stores, you can earn contributions for future college expenses or payments to your current student loans. Read details here.

Don't be duped: Educational lenders may offer incentives to encourage you to secure your loan funds through them. These incentives may affect your loan repayment terms or reduce some of the administrative costs you are expected to pay for taking out a loan. Read the how and why of choosing a lender to understand the importance of this choice.

Union Backed, Union Approved
The Union Plus Education Service program has been helping union members and their families reach their education goals for over 10 years - and now you can use the resources from an enhanced program provided by American Education Services (AES) - a union company staffed with over 1,000 AFSCME union members.

Do you know...What's the difference between "need-based" financial aid and "non-need-based" aid? Get the answers - plus other tips and hints for parents - here.

Questions? Visit www.unionplus.org/customer or email: info@unionprivilege.org

Union Plus is brought to you by Union Privilege - established in 1986 by the AFL-CIO to provide consumer benefits to union members.

Union Plus benefits are available only to members of participating unions.

When you're laid off, Union Plus layoff programs can help
The Union Plus benefit programs offer built-in protection for workers who are laid off:

Layoff Helpline
Union Plus Mortgage and Real Estate
Union Plus Health Savings
Union Plus Legal Service
Additional Member Resources
Sign up for email updates about your Union Plus benefits

Layoff Helpline -- The Union Plus Credit Card and loan programs have established a layoff helpline to assist union members who may experience difficulties making payments on their Union Plus accounts due to a temporary or permanent layoff. This new benefit is available to credit card and loan program participants only.

Members who call the layoff helpline will speak with a specialist who will evaluate their situation and determine the best short or long-term solution to help them during this difficult time. The phone numbers for program participants are:

Union Plus Credit Card Layoff Helpline: 1-800-551-2873
Union Plus Loan Program Layoff Helpline: 1-800-365-1328
The bank specialist will determine what assistance the member qualifies for on a case-by-case basis based upon the member’s account history, payment history and credit record. The following help is available:

Skip payment options
Interest rate reductions
Short-term hardship programs
Long-term hardship programs
Account settlements
Credit counseling
Union Plus Mortgage and Real Estate - For mortgage holders, the Union Plus Mortgage program will:

Exercise flexibility with regard to late fees and other matters related to loan payments.
Offer interest-free loans to help members make their mortgage payments through the Union Plus Mortgage Assistance Program. An expedited process is being put in place to assist these members.
Address additional considerations on a case-by-case basis. Mortgage holders can call 1-800-848-6466.

Union Plus Health Savings - Members without health insurance coverage can save an average of 18% off the usual and customary physician charges. Discounts on retail and mail-order prescription drugs, vision care, foot & ankle care services and hearing care are also available. A small annual fee of $14.95 covers the entire family. Learn more and download an enrollment form here or call 1-800-228-3523.

Union Plus Legal Service - The Union Plus Legal Service provides supplemental benefits to members of participating unions. Receive free and discounted legal service -- with no annual fee or enrollment cost. Click here to find out more.

Additional Member Resources

The AFL-CIO provides information about how unions are assisting workers. To help meet the needs of laid-off workers, the AFL-CIO
launched www.laidoffworkers.org -- a website that provides
resources for surviving unemployment, meeting working family challenges, learning what went wrong and protecting retirement security.

The AFL-CIO Working for America Institute provides information and assistance on dealing with layoffs. Visit their site here or call 1-800-842-4734.
Labor's charity, Union Community Fund, is helping to meet human service needs. You can donate online.

Search Union Plus

FOR FURTHER INFORMATION, CLICK ON THE LINK TO UNION PLUS IN OUR AFFILIATES PAGE.