Low cost legal services. Free initial consultation of up to 30 minutes; free review of selected documents and free follow-up call or letter; most additional services discounted by 30%.

Credit card benefits. No annual fee, a competitive interest rate (usually two points below the national average), and a skip payment grace period (twice in a rolling 12 months); charge disputes are handled by unionized staff and there is no liability for fraudulent use of card if lost or stolen. (Strike payment protection is major benefit for workers.)

Personal, home equity and car loans. Access to personal unsecured loans of $2,500 to $25,000 and skip payment privileges; home equity loans from $5,000 to $25,000; no application fee and low monthly payments.

Mortgage loans and refinancing. Lower rates and monthly payments as well as shortened loan terms. Down payment as low as 5%.

Health savings program provides an average of 18% off prescription medicine; up to 35% off dental care; savings on vision, foot and ankle, diabetic supplies and hearing services of 30 to 50%, and nurse helpline aid 24 hours a day. There is a Premium Plan at $49.95 per year/family or the Standard Program at $14.95/year/family.

Automobile rental savings. Savings of up to 25% on Budget and Avis depending on vehicle type, time of year, location and length of rental. Free insurance with use of Union Plus credit card.

Automobile insurance benefits. Save up to $337 on A++ rated policy. You are free to choose your own body shop or mechanic when repairs are necessary. Service available 24 hours a day, 7 days a week and for those with less than perfect driving records.

Automobile Towing Services. Advertises savings compared to AAA.

Savings on Interstate Moves. Call North American Van Lines.

Vacation benefits. A free trip for anyone organizing a group of ten individuals for a single international trip organized by Go Ahead Vacations. Disney World's Hotel Royal Plaza has union rates.

Floral services. Discount of 15% per order.


For more information on these services and for telephone contact numbers go to www.unionplus.org/benefits/custom.cfm