FDSC-LIUNA

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.

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.

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.

*Not all unions are eligible for Strike Grants.