NEA MEMBER BENEFITS PROGRAMS & SERVICES

Life Insurance Programs*

NEA DUES-TAB^® Insurance — Free coverage for eligible members: Up to $50,000 in accidental death and dismemberment insurance and a $150,000 benefit
for death due to homicide while actively engaged in your occupation.

NEA Term Life Insurance Plan — Economical decreasing term life insurance protection of up to $300,000 for NEA members and their eligible dependents.

NEA AD&D Insurance Plan — You can cover your entire family with accidental death and dismemberment insurance. You can choose from plans with rates starting at $19 per year and coverage options for up to $520,000.

NEA Guaranteed Issue Life Plan — For NEA members age 50 and over. You cannot be turned down for coverage.

NEA Level Premium Term Life Insurance Plan — Up to $250,000 of decreasing term life insurance with a premium that won’t change until age 70. Receive a special 20% discount when you purchase a minimum of $40,000 or $100,000, depending on your age.

NEA Joint Protection Life Plan — Life insurance benefits of up to $300,000 with optional joint life protection.

NEA Preferred Term Life Plan — A level premium/level benefit 10, 15, or 20-year term life insurance plan. $100,000, $250,000, and $500,000 of coverage are available.

Health and Disability Insurance Programs

NEA MemberCare^® Critical Illness Benefit — Up to $100,000 protection against the financial disaster caused by catastrophic illness. Pays a lump-sum benefit upon first diagnosis of a wide array of critical conditions.

NEA MemberCare^® In-Hospital Plan — Helps you pay the “extra” expenses associated with a hospital stay.

NEA Income Protection^® Plan — Helps replace your income if you are out of work due to illness or injury.

NEA MemberCare^® Long-Term Care Insurance   Program — Provides financial support in paying for necessary long-term care services like nursing home, home health care, and assisted living care.

NEA MemberCare^® Medicare Supplement Program* — Coverage for hospital and medical expenses not covered by Medicare after age 65. Includes a discount package; pharmacy card (plans H-J). Hard-to-beat prices. Choose your own doctor.

Casualty Insurance Programs

NEA Members Auto & Home Insurance Program^® — An auto and home insurance program designed to meet the needs of members of the National Education Association, with exclusive rates and excellent benefits.  It’s all made possible by NEA Member Benefits and a unique collaboration of insurance providers managed by California Casualty.

NEA Homeowners^® Insurance — Inflation-proof protection for owners and renters at school and at home. Features a deductible that decreases if no claims are made and unique, member-only benefits.

*Provided by the NEA Members Insurance Trust.^®

For more informaion contact:

Savings, Deposit and Investment Programs

NEA-Sponsored Money Market Account — Great yields with easy access to your funds. FDIC-Insured up to $100,000 per depositor. Offered by MBNA America Bank. Member FDIC.

NEA-Sponsored CD — Offers some of the highest yields in the nation. FDIC-Insured up to $100,000 per depositor. Terms from 6 to 60 months. Offered by MBNA America Bank. Member FDIC.

NEA Valuebuilder^® Program — Build a retirement nest egg with the only annuity and mutual fund program sponsored by the NEA.

Credit Programs

NEA Line of Credit^® — Apply for a credit line between $500 and $25,000^† which you can access using personalized checks.^††

NEA Credit Card Program^®** — Superior benefits exclusive to NEA members with the NEA Quantum Card, NEA Platinum Plus^® Card,  NEA Premier Gold^® Card, or the NEA School Days^® Card. Benefits to members include no annual fee; travel, merchandise and cash rewards through the NEA WorldPoints program; low introductory rates; and competitive interest rates.

Loan and Mortgage Programs

NEA National Board Certification Loan^® — A low cost line of credit designed to help cover the assessment fee for National Board Certification.

NEA Home Financing Program^® — Includes new mortgages, refinances, and home equity loans. Great rates, superior service, a quick application, and a decision within minutes. “NEA Getaway” member bonus with new mortgages and refinances.

NEA Personal Loan^® — Apply for a competitive rate, no collateral loan account with credit lines from $3,000 to $25,000^†. Use the money for almost any purpose — bill consolidation^††, tuition or home improvements.

Special Discount Programs

NEA Car Rental Program^® — Enjoy special year-round savings and no additional driver charge for a spouse when you rent a car from Hertz or Alamo through the NEA Car Rental Program.

NEA Magazine Service^® — Over 600 titles at up to 85% off newsstand prices. Visit our Web Site at www.neamb.com.

NEA Member Benefits Web Site

Learn more about NEA Member Benefits programs and services and take advantage of special offers at www.neamb.com.

Free Member Education Guides

Homeowners Insurance

Tax-Deferred Annuities

Healthy, Wealthy, & Wise

Managing Credit

A Shopper’s Guide To Long-Term Care Insurance

Understanding Your Disability Income Protection Needs

Understanding Medicare and Medicare Supplemental Insurance

A Consumer Guide to Credit Cards

23 Financial Mistakes You Can’t Afford To Make

Note: Some programs are not available in all states.

†Receipt of maximum credit line is subject to creditworthiness standards.

††MBNA may prohibit the use of an NEA Personal Loan or an NEA Line of Credit account to pay off or pay down any MBNA account.

**You may contact the issuer and administrator of this program, MBNA America Bank, to request specific information about the costs associated with these credit cards by calling 1-800-468-7632 or writing to P.O. Box 15020, Wilmington, DE 19850. Certain restrictions apply. Platinum Plus is a federally registered service mark of MBNA America Bank, N.A. MasterCard®  is a federally registered service mark of MasterCard International Inc., and is used by MBNA pursuant to license.