Union Plus tailors its programs to the needs and interests of working families. When union members are faced with special circumstances, we are here to help. Once we verify your special situation, we're committed to providing the assistance you need.
If you currently are a union member who participates in a Union Plus program and are laid off or on a prolonged strike, you're eligible for special benefits. Read about the unique ways we assist union members:
How much money per year can you save with Union Plus
benefits? Find out here.
If you are facing financial trouble, you may be at risk of missing a mortgage payment. Falling behind on your payments could mean foreclosure! The Union Plus Save My Home Hotline can help. Don't wait until it's too late - call 1-866-490-5361, any time day or night.
Policyholders can defer their premium payments for two months in case of a union sanctioned strike or a lockout lasting 90 days or longer.
To access the benefit:
Call Union Plus at 1-202-778-9838 to speak with the Auto Insurance Program Manager at least two weeks prior to the 90th day of the strike.
A strike verification form will be mailed to you, along with specific instructions that must be followed to gain access to the benefits.
Complete the strike verification form and have it signed by a union representative. Return the fully executed form, along with your insurance payment invoice, in the postage paid envelope that will be provided.
You will be responsible for bringing the payment up to date within 60 days of the strike’s settlement. If you are still on strike or locked out at the end of the two-payment period you will once again be responsible for payments on the Union Plus Auto Insurance policy.
Strike skip-payment plan available to members of most unions during union-sanctioned
strikes or lockouts of 30 consecutive days or more, as long as the account
is in good standing. (Finance charges continue to accrue, but no penalty fees
apply.) You can skip up to three consecutive months in a row, and a total
of four months in a year.
To access the benefit: Call 1-800-622-2580 to discuss your situation
with a customer care representative. You must make a payment after the third
consecutive strike skip month and then you can access the fourth skip month.
During each skip-payment month, you must notify the bank that the strike is
going on and that you intend to exercise the strike skip-payment option.
For laid off union members:
The Union Plus Credit Card offers a layoff helpline to assist union members who have difficulties making payments on their Union Plus accounts due to temporary or permanent layoffs.
A specialist will determine what assistance the member qualifies for based upon account history, payment history and credit record. The following help may be available:
Skip payment options
Interest rate reductions
Short and long-term hardship programs
Account settlements
Credit counseling
Call the Union Plus Credit Card Layoff Helpline: 1-800-551-2873
Skip up to two monthly payments a year, as long as the account is in good
standing. (Finance charges continue to accrue, but no penalty fees apply.)
To access the benefit: Call 1-800-622-2580 during each month you
want to skip a payment. You must notify the bank you want to skip a payment,
unless it is offered to you on your statement.
For laid off union members or union members on strike:
You can get a FREE credit counseling session, budget analysis and advice to get back on the road to financial recovery. In addition, if after the initial session you need additioanl assistance to eliminate debt, your counselor will develop a customized Debt Management Plan (DMP) for you that allows you to consolidate all your debt into one monthly payment. You'll receive a 33% union-member discount on the set-up fee for a DMP.
For laid off union members or union members on strike:
Receive a free membership in the Standard ($14.95) program - including discounts
on retail and mail order prescriptions, vision care, hearing care and foot care.
To access the benefit: Call the Union Plus Health Savings program
at 1-800-228-3523 and say you want to get a free membership as part of the
"Union Plus disaster or strike benefit".
For union members on strike and laid off union members:
The Union Plus Loan Program offers a layoff helpline to assist union members who have difficulties making payments on their Union Plus accounts due to temporary or permanent layoffs.
A specialist will determine what assistance the member qualifies for based upon account history, payment history and credit record. The following help may be available:
Skip payment options
Interest rate reductions
Short and long-term hardship programs
Account settlements
Credit counseling
Call the Union Plus Loan Program Layoff Helpline: 1-800-343-7097
Standard twice per year skip-payment option as long as there is a history
of satisfactory, on-time payments and your account is current. (Finance charges
continue to accrue, but no penalty fees apply.)
Two additional skip-payment options are reserved for use during strikes
and other emergencies (for a total of four skip payments in a 12-month period),
but the skip payments may only be used two consecutive months at a time.
You become eligible for special Mortgage Assistance Program benefits* one year
after you receive a mortgage through the Union Plus Mortgage Program.
For union members who are laid off, disabled or involved
in short-term (less than 90 days) strike or lockout:
One year after receiving your Union Plus mortgage loan you become eligible
to apply for an interest-free loan from the Union Plus Mortgage Assistance
Program to cover your monthly payment. Loans are made on the basis of need
and cover up to six months of mortgage payments. (You must re-certify after
3 months.) Loans are interest-free and monthly payments begin one month after
the last assistance program payment. If you sell or refinance your home, you
must repay your loan in full at the time of the sale - if the proceeds of
the sale or refinance exceed the value of the mortgage.
To access the benefit: Call the Union Plus
Mortgage Program at 1-800-848-6466 as soon as you know that you will be unable
to make your monthly payment. A mortgage assistance application will be mailed
to you. To apply for a loan, complete the application and return it along
with proof of your unemployment or disability. Upon receipt of your application,
you will be contacted to discuss your circumstances and to request additional
information, as needed. Decisions are normally made within a week after complete
information is obtained.
For union members on strike or lock-out for 90 days or more:
Strike benefits are available if you are on an authorized strike, or are
locked-out, for 90 consecutive days (provided you have had your
mortgage through the Union Plus Mortgage Program for one full
year).
For three months - beginning with your first payment after the 90th day
of the strike or lock-out, the Union Plus Mortgage Assistance Program provides
payment of one half principal and interest.
For the following three months - the Union Plus Mortgage Assistance Program
provides for the payment of the entire amount of your principal and interest.
These strike benefits will not have to be repaid at a later time.
This is a one-time benefit for one strike or lock-out during the entire term
of your mortgage.
To access the benefit:
Call the Union Plus Mortgage Program at 1-800-848-6466 to speak with
a mortgage counselor at least two weeks prior to the 90th day of the strike.
A strike verification form will be mailed to you, along with specific
instructions that must be followed to gain access to the benefits.
Complete the strike verification form and have it signed
by a union representative. Return the fully executed form,
along with your portion of the mortgage payment, in the postage
paid envelope that will be provided.
Once the benefit goes into effect, beginning with the fourth
month of the strike or lockout, one half of the principal
and interest is covered on your mortgage loan for up to
three months. (You are responsible for paying the taxes and
insurance portion of your monthly mortgage payment for each
month that you receive benefits.) If you are still on strike
or locked out at the end of the first three-month payment
period, your entire principal and interest payment will be
paid for up to three months. Your local union leader will
be contacted monthly as to the status of the strike or lock-out.
*Benefits under the Union Plus Mortgage Assistance Program are contingent
upon available funds. The program reserves the power to make alternative determinations
of sufficient mortgage length for program eligibility. Benefits are available
for the mortgage on your primary residence only. The program may be amended
or terminated at any time.
Payments are made for up to 60 days for members who have been on strike
for 30 days or longer, as long as the account is in good standing. The payments
never need to be repaid.
To access the benefit: Call Union Plus Education Services at 1-877-881-1022.
For union members on strikeand laid off union members:
Life insurance premiums are waived for 3 months
during union-sanctioned strikes, lockouts or involuntary layoffs that
last more than 30 consecutive days. The waived premium need never be
repaid.
Accident insurance premiums are waived beginning
with the first quarterly premium due date following the start of the
strike or lockout and for up to one full year (provided your coverage
remains in force). The waived premium need never be repaid.
For legal issues surrounding your strike or layoff,
contact your national or local union. For other legal matters, access
free expert advice with no enrollment fee or annual cost.
A free consultation of up to 30 minutes (in-person
or over the phone)
