FDSC-LIUNA

Federal Laborers' International Union of North America

Short Name
Laborers Federal Employees
Mortgage Reference

Labor Day Sweepstakes

Headline
People's Choice Vote
Hide Secondary Nav
Off
Union
ABG
AEA
AFA-CWA
AFGE
AFGWU
AFL-CIO
AFLPU
AFM
AFSA
AFSCME
AFT
AGMA
AGVA
ALPA
APWU
ARA
ATDA
ATU
BAC
BCTGM
BLET
BMWED
BRS
CAPE
CIWA
CSEA
CSEA-AFSCME
CWA
FDSC-LIUNA
FLOC
GCC-IBT
GCIU
GIAA
GMP
HFIU
IAFF
IAM
IATSE
IBB
IBEW
IBT
ICWU
IFPTE
ILA
ILGWU
ILWU
IRONWORKER
IUE-CWA
IUEC
IUOE
IUPA
IUPAT
LDC
LIUNA
MEBA
MESA
MM&P
NABET-CWA
NALC
NATCA
NAWA
NDWA
NFLPA
NGMP
NNU
NPMHU
NWSLPA
NYSUT
OAPSE
OPCMIA
OPEIU
PACE
PLATE
RWDSU
SAG-AFTRA
SEATU-SIU
SEIU
SIU
SMART
SNTE
TCU-IAM
Test Term
TNG-CWA
TWU
UA
UAW
UBC
UFCW
UFW
UGWA
UIW-SIU
UMWA
UNITE HERE
UNKNOWN
UPTE-CWA
URW
USW
UTU
UURWA
UWUA
WGAE
WOAM
Test Leslee Managing Taxonomy
Test new union term 2
Paragraph Content
Disabled for Anonymous
Off

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.

Background Image or Gif
Paragraph Content
Headline
Look what people are saying
Testimonials
Icon
Quote
Testimonial

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

Attribution Line 1
Ashley Massey
Attribution Line 2
Union Member
Icon
Quote
Testimonial

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

Attribution Line 1
Meesha Townsen
Attribution Line 2
AFT Member
Disabled for Anonymous
On

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.

Background Image or Gif
Paragraph Content
Image Position
Image on Left
Image
Headline
Hartford query parameter test
Text

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. 

Disabled for Anonymous
Off

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.

Paragraph Content
Image Position
Image on Left
Image
Headline
Get a $300 job loss or furlough grant
Text

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.

Image Position
Image on Right
Image
Eyebrow
Mortgage Assistance
Headline
Get help paying your mortgage
Text

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.

Headline
Look what people are saying
Testimonials
Icon
Quote
Testimonial

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!

Attribution Line 1
Clifford O.
Attribution Line 2
IBEW Local 102
Icon
Quote
Testimonial

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

Attribution Line 1
Meesha T.
Attribution Line 2
AFT Member
Body

Need help?

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

Body

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.

Description

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

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.

Paragraph Content
Image Position
Image on Left
Image
Headline
How mortgage assistance helps union members
Text

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.

Body

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.

Headline
Look what people are saying
Testimonials
Icon
Quote
Testimonial

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.

Attribution Line 1
John S.
Attribution Line 2
IBEW
Icon
Quote
Testimonial

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

Attribution Line 1
Thomas O.
Attribution Line 2
IAFF Local 90
Icon
Quote
Testimonial

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

Attribution Line 1
Meesha T.
Attribution Line 2
AFT Member
Description

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.

Paragraph Content
Body

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.

 

Image Position
Image on Left
Image
Headline
Take control of your credit
Text

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.

Image Position
Image on Right
Image
Headline
How does credit counseling work?
Text

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. 

Headline
FAQ
Secondary Text

Your questions, answered.

Items
Title
Who is eligible?
Supporting Text

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 

Title
Can I request credit counseling by phone?
Supporting Text

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

Body

Need help?

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

Headline
Look what people are saying
Testimonials
Icon
Quote
Testimonial

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

Attribution Line 1
Thomas O.
Attribution Line 2
IAFF Local 90
Icon
Quote
Testimonial

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

Attribution Line 1
Meesha T.
Attribution Line 2
AFT Member
Description

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.

Paragraph Content
Image Position
Image on Left
Image
Headline
How medical bill negotiating helps union members
Text

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.

Body

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.

Headline
Look what people are saying
Testimonials
Icon
Quote
Testimonial

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.

Attribution Line 1
Angela N.
Attribution Line 2
AFT/AFSCME, Local 300
Icon
Quote
Testimonial

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

Attribution Line 1
Thomas O.
Attribution Line 2
IAFF Local 90
Icon
Quote
Testimonial

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

Attribution Line 1
Meesha T.
Attribution Line 2
AFT Member
Description

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

Disabled for Anonymous
Off

Hospital Grants

Get help paying your hospital bills

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

Paragraph Content
Image Position
Image on Left
Image
Headline
Hospital grants give you money when you've been hospitalized
Text

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.

Headline
Look what people are saying
Testimonials
Icon
Quote
Testimonial

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

Attribution Line 1
Thomas O.
Attribution Line 2
IAFF Local 90
Icon
Quote
Testimonial

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

Attribution Line 1
Meesha T.
Attribution Line 2
AFT Member
Body

Need help?

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

Description

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

Disabled for Anonymous
Off

Disability Benefits

Are you out of work because of a disability?

We’re here with help for eligible union members who are out of work due to a disability or illness.

Paragraph Content
Image Position
Image on Left
Image
Headline
Get the cash you need when you’re out of work due to a disability or Illness
Text

We offer our disability grant to eligible members who are Union Plus Credit Card or Teamster Privilege Credit Card cardholders or mortgage assistance to Union Plus Mortgage holders. We’re here to help take the pressure off during this difficult time.

Headline
More ways we help when you’re out of work
Promos
Headline
Hospital Grants
Description

If you are struggling with large out-of-pocket, unreimbursed expenses, you may be eligible to receive a hospital grant.

Image
Headline
Medical Bill Negotiating
Description

If you're having trouble paying doctor and hospital bills, get free help negotiating your medical bills. 

Image
Headline
Debt Management
Description

Get free budgeting advice, plus get a fee waiver for our Credit Counseling Program.

Image
Headline
Look what people are saying
Testimonials
Icon
Quote
Testimonial

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

Attribution Line 1
Meesha T.
Attribution Line 2
AFT Member
Icon
Quote
Testimonial

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

Attribution Line 1
Thomas O.
Attribution Line 2
IAFF Local 90
Body

Need help?

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 feel free to complete the feedback form and a member of our Union Member Advocacy Program team will contact you.

Body

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.

Description

We’re here with help for eligible union members who are out of work due to a disability or illness.

Disabled for Anonymous
Off

Strike Benefits

Grants and benefits to support you during a strike

We’re here to help when union members are on strike. Check out our strike benefits below. 

Paragraph Content
Image Position
Image on Left
Image
Headline
Strike grants give you money when you need it most
Text

Get cash with a strike grant. Unlike a loan, you'll never need to repay the money. If you have a Union Plus Credit Card or Teamster Privilege Credit Card or a Union Plus Personal Loan, you may eligible for a grant.

Headline
More ways we help when you’re on strike
Promos
Headline
Defer Your Auto Insurance Payment
Description

If you’re a Union Plus policy holder involved in a union-approved strike or lockout lasting 90 days or longer, you can defer your premium payments for two months.

Highlighted Text

To check eligibility and use this strike benefit, call 855-666-5797.

Headline
Waive Your Life Insurance Payment
Description

If you’re a Union Plus policyholder, your premiums are waived for up to three months during union-approved strikes lasting more than 30 consecutive days. This waived premium never has to be repaid. 

Highlighted Text

To check eligibility and use this strike benefit, call 800-393-0864.

Headline
Waive Your Accidental Death & Dismemberment Insurance Payment
Description

If you’re a Union Plus policyholder, your premiums are waived for up to one full year during a union-approved strike or lockout lasting 30 days or more, providing the coverage remains in force. This waived premium never has to be repaid.

Highlighted Text

To check eligibility and use this strike benefit, call 800-393-0864.

Headline
Look what people are saying
Testimonials
Icon
Quote
Testimonial

I’ve had [a Union Plus Credit Card] for over 10 years now. It can provide a one-time strike grant for eligible cardholders who are on [union-sanctioned] strike.

Attribution Line 1
Richard W.
Attribution Line 2
USW, Local 8565
Icon
Quote
Testimonial

It was nice knowing that the union understands that workers need special help during a strike.

Attribution Line 1
Wayne A.
Attribution Line 2
IBEW
Icon
Quote
Testimonial

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

Attribution Line 1
Meesha T.
Attribution Line 2
AFT Member
Body

Need help?

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

Body

*Not all unions are eligible for Strike Grants.

Description

If you’re on strike, you may be eligible for a grant that you'll never need to repay.