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Test Free College

Affordable college for union families

Our College Programs offer exclusive discounts, financial aid and grants to eligible union members and their families wishing to pursue a higher education degree at a low or even no out-of-pocket cost.

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Union Plus provides great opportunities and huge discounts! Who doesn't love discounts?

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What I’m so impressed by is the fact that Union Plus is providing benefits for and actually caring about hard working Americans.

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Term-to-70 Life Insurance Plan

Term-to-70 helps protect your family from the unexpected

You've worked hard to keep your family secure, but unexpected situations can happen. That’s why it’s important to get a life insurance plan that helps protect your family’s financial future.

Go to My Account to set up Auto-Pay, make a one-time payment, review important product information and more.

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Term-to-70 Life Insurance helps protect your family from the financial burden of an unexpected death. The costs of funeral arrangements and outstanding bills are high enough, not to mention the day-to-day bills (mortgage, car payment, college tuition, etc.) your family will face when you’re gone. And with today's rising costs and debt, many employer-sponsored life insurance plans may not provide enough coverage alone. 

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Hearing

Reduce hearing costs by over 40%

The Union Plus Hearing Care program is free for union members and their families (parents, too)! Get a free hearing exam and reduce your costs by over 40% at hearing providers near you.1

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Hearing

 

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

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Take care of your hearing — once and for all
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If you're having difficulty hearing certain sounds or syllables, these are tell-tale signs of hearing loss. If you're starting to see these or other signs of diminished hearing, it's time to take action.

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Did someone say FREE?
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Free exams, batteries, warranty and so much more
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With the Union Plus Hearing Care Program, union members receive exclusive discounts on high performance hearing aids that include Bluetooth® wireless capabilities and rechargeable models with hands-free connectivity for smartphones.

Free benefits include: a free hearing exam plus 1-year of follow up care; a 3-year manufacturer’s warranty (including loss and damage coverage; a 3-year supply of batteries and a free caption phone.2

Plus get: 10% off accessories; 75-day satisfaction guarantee3 and interest-free financing.4

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Say goodbye to old-fashioned, clunky hearing aids
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The next generation hearing solutions are here
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Today's hearing aids small and packed with powerful technology to make sure you don't miss a beat (literally).

Smaller, smarter, rechargeable
With the Union Plus Hearing Program you'll save hundreds on a wide selection of affordable hearing aids. Choose from small, smart, and rechargeable models equipped with the sound quality and connectivity you need to keep moving.

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Exclusive Hearing Offer for Union Members
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Sound quality, connectivity and rechargeability in an economical solution. Available in two performance levels. $699 and $899 (per ear).

Don't let hearing loss slow you down.

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Connect
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Call Your Hearing Network to be matched with a local licensed hearing expert in your community.

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Meet
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Your local provider will examine your ears, conduct a hearing test, and explain your test results.

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Enjoy the exclusive union member hearing discounts you deserve.

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Your questions, answered.

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Who is eligible?
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The program is available in the all U.S. states, as well Puerto Rico and the US Virgin Islands. The program is not available in Guam and Canada.

To be eligible, you must be:  

  • Dues-paying labor union members of participating unions 

  • Retired union members 

  • Working America members 

  • Widows/widowers of union members 

  • Spouses, domestic partners, parents and children of union members

  • Union Plus and Working America credit cardholders 

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Where can I use the hearing program?
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You can use the discount program at nearly 4,000 credentialed licensed audiologists and hearing aid dispensers in all 50 U.S. states, Puerto Rico and U.S. Virgin Islands.

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Need help?

If you have additional questions, please call 877-839-8117 (Monday-Friday, 8:30 a.m. - 8:00 p.m. ET.

We realize that sometimes you may need help with a concern about using a Union Plus program. The Union Plus Member Advocacy Program, staffed by OPEIU Local 2 members, is here to help you resolve any problems. Contact us at 800-472-2005 (8:30 a.m.  - 4:30 p.m. ET, weekdays) or  online.

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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.

Ready to start using your Union Plus Hearing Care discounts?

Click the button below and start enjoying your Union Plus Hearing Care discounts!

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Call 877-839-8117 to speak to a Union Plus Hearing Care specialist.

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Get a free hearing exam and reduce your hearing costs by over 40% at nearly 4,000 providers nationwide.

Layoff or Furlough Assistance

Grants and benefits to support you if you've been laid off or furloughed

We're here to help eligible union members who have been laid off or furloughed. Check out our benefits below.

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Get a $300 job loss or furlough grant
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A job loss or furlough grant can help cover your bills when you've been laid off or furloughed. After three months as a Union Plus Credit Card or Teamster Privilege Credit Card cardholder or after six months as a Union Plus Personal Loan-holder, you may be eligible for a $300 grant. Click the links below to learn more about the grant and to apply.

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Mortgage Assistance
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Get help paying your mortgage
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If you've had a Union Plus home mortgage for a year or more, you may be eligible for an interest-free loan to cover mortgage payments for up to six (6) months. Plus a one-time $1,000 grant payable directly to qualified participants.

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My wife found out about the grant opportunity. She said, ‘Oh, look, Cliff! Let’s see if we can get this grant.’ Any money helps pay bills!

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What I’m so impressed by is the fact that Union Plus is providing benefits for and actually caring about hard-working Americans.

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Need help?

Please visit our Union Plus Grants FAQ. Please send additional questions to grants@unionplus.org.

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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.

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If you've been laid off, you may be eligible for a grant and other benefits to help cover your bills.

Prepaid Debit Card

Get an all-in-one card with so many benefits

Shop at retail stores, pay bills, purchase goods and services, get cash back, and so much more!

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

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Introducing the Union Plus All-In-One Prepaid Visa® Card
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Simple to get, easy to use. No credit checks.1  No activation fees.2 No overdraft fees.3

Here’s what the prepaid debit card has to offer: 

  • Control your finances from anywhere. Know the moment your money arrives or when purchases are made. 
  • U.S.-based customer support. Enjoy 24/7/365 customer service for when you need help or have questions. 
  • The right prices and enhanced benefits. Clear pricing with unique benefits not found with other prepaid cards or bank accounts. 
  • Union support. Your money is safe and secure with Visa's Purchase Securityand Zero Liability5, you are protected against fraud, theft and loss.
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Get paid up to two days earlier
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Enroll in direct deposit and your paycheck or other recurring payments will be automatically deposited to your account and fully accessible as much as two days sooner.6

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Mobile device protection
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Pay your monthly wireless bill with your All-In-One Card and you're automatically enrolled in mobile device protection for all phones, tablets and hotspots on the account.7

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Guaranteed issue group term life insurance
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Get up to $10,000 guaranteed issue term life insurance with accidental death benefit with your active account.8

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Your questions, answered.

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How does it work?
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Get your All-In-One Card with three easy steps.

  1. Visit  www.unionallinone.com and select "Get a Card." Remember, there is no credit check1 or activation fee.2 
  2. When you receive your personalized card in the mail, go online or download the mobile application to activate your card and choose your life insurance beneficiary. 
  3. Sign up for direct deposit and use your card on everyday purchases everywhere Visa debit is accepted. 
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Who is eligible?
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The All-In-One Card is available to:  

  • Resident of the United States (50 states and the District of Columbia) 

  • 18 years of age or older 

  • Verifiable Social Security Number or ITIN 

  • Valid home address (PO Boxes are not permitted) 

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Need help?

For assistance with your All-In-One account, please visit us online at  www.unionallinone.com  or call 1-844-940-1229.

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It’s not often a prepaid card can truly change lives and communities as this one does.

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Union Plus provides great opportunities and huge discounts! Who doesn't love discounts?

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Ready to save?

Your Union Plus All-In-One Prepaid Visa® Card is just a few clicks away. Just click the button to get your card now.

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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.

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Get an all-in-one card you can use to purchase goods, get cash back and so much more!

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Mortgage Assistance

Help when you can't pay your mortgage

Are you concerned about missing a house payment because you're disabled, laid off, locked out or on strike? If you've had a Union Plus home mortgage for a year or more, you're protected.

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How mortgage assistance helps union members
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Union Plus Mortgage Assistance provides interest-free loans and grants to help you make mortgage payments when you're disabled, unemployed, locked out or on strike. If you qualify for the Mortgage Assistance loan benefit, you’ll also receive a one-time grant of $1,000 paid directly to you.

The program has provided more than $12 million in assistance to union members.

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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.

Apply for mortgage assistance

If you've had a Union Plus home mortgage for a year or more, you're protected. Click the button below to complete the mortgage assistance form.

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I made a phone call, and wow—one phone call to Union Plus—they really helped me out. It was incredible. It was almost like a dream.

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The assistance we received certainly helped us deal with the realities of the situation.

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What I’m so impressed by is the fact that Union Plus is providing benefits for and actually caring about hard-working Americans.

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If you’re concerned about missing a house payment because of a strike, disability or other valid reason, mortgage assistance may help.

Credit Counseling

Free credit advice for union members

Tired of getting calls from collection agencies? Talk to an experienced consumer credit counseling advisor about how to take control of your debt.

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Money Management InternationalUnion 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.

 

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Take control of your credit
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If you’re struggling to get control of your debt, it may be time to ask for help. Get a free consumer credit counseling session to help you get back on the road to financial recovery.  

Complete a confidential request for consumer credit counseling online.  There are no confusing gimmicks or overwhelming options. Just sound advice that'll help you stop collection agencies from controlling your financial life.

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How does credit counseling work?
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Certified, experienced consumer credit counseling advisors listen to you and your needs, then help you develop a plan of action for debt repayment that you can follow to help eliminate your debt. 

Your free session covers: 

  • Complete financial review,  including  budget analysis and credit management counseling. 

  • Assistance in budgeting  or advice on sources of additional income. 

  • Advice  on how to work with creditors.

  • An  Action Plan  that summarizes your financial situation, provides a budget and timeline for reaching your debt management and repayment goals, and restates action items. 

  • Referral to a social service organization  in your area, if appropriate. 

  • Referral to Union Plus Legal Service or Union Plus Mortgage Assistance program, if appropriate. 

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FAQ
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Your questions, answered.

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Who is eligible?
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Consumer credit counseling is currently available in the United States, but not available in Puerto Rico, Guam, Virgin Islands and Canada. 

To be eligible, you must be: 

  • Dues-paying labor union members of participating unions 

  • Retired labor union members 

  • Spouse, domestic partners, and children (age 18+) may be included. (Not eligible for monthly DMP fee rebate but will get the reduced set up fee.)

  • Widows/widowers of union members 

  • Union Plus credit card holders 

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Can I request credit counseling by phone?
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To request credit counseling by phone, call 877-833-1745. They are available 24/7.

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Need help?

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

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The assistance we received certainly helped us deal with the realities of the situation.

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Thomas O.
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IAFF Local 90
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What I’m so impressed by is the fact that Union Plus is providing benefits for and actually caring about hard working Americans.

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Get a free consumer credit counseling session to help you catch up on your credit card bills.

Medical Bill Negotiating Service

Get free help with your medical bills

Are you having trouble paying doctor and hospital bills? The Union Plus Medical Bill Negotiating Service provides union members and their families with assistance negotiating medical bills.

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How medical bill negotiating helps union members
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The Union Plus Medical Bill Negotiating Service by Health Advocate provides union members with FREE assistance negotiating large out-of-pocket medical bills, bill reductions with physicians, hospitals and other medical providers. The Service negotiates with medical providers on the union member's behalf to lower costs and establish payment plans.

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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.

Ready to apply?

If you're struggling to pay your medical bills, get free assistance now. Click the button below to complete the medical bill negotiating service form.

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I didn't realize this union benefit existed, but I'm so glad it does. It put me in a much better position to pay off my medical bills.

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The assistance we received certainly helped us deal with the realities of the situation.

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IAFF Local 90
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What I’m so impressed by is the fact that Union Plus is providing benefits for and actually caring about hard-working Americans.

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If you're struggling to pay doctor and hospital expenses, get help negotiating medical bills.

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Hospital Grants

Get help paying your hospital bills

We’re here to help when union members are hospitalized.

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Hospital grants give you money when you've been hospitalized
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Get money to help with your hospital expenses. You may eligible for a hospital grant if you have a Union Plus Credit Card or Teamster Privilege Credit Card, or you participate in the Mortgage, Supplemental Insurance or Retiree Healthcare Programs.

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The assistance we received certainly helped us deal with the realities of the situation.

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Thomas O.
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IAFF Local 90
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What I’m so impressed by is the fact that Union Plus is providing benefits for and actually caring about hard-working Americans.

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Meesha T.
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AFT Member
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Need help?

Please visit our Union Plus Grants FAQ. Please send additional questions to grants@unionplus.org

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You may be eligible to receive a grant to help pay your hospital bills.

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