AFT - American Federation of Teachers

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Reimbusement Disclosure Information

For information about these programs or about contractual expense reimbursement and/or endorsement arrangements with providers of endorsed programs, please call the AFT Financial Services Department at 202/879-4493; send an e-mail to disclosureinfo@aft.org; or refer to your AFT + benefit booklet.

The American Federation of Teachers Benefit Trust (“Benefit Trust”) is a tax-exempt, not-for-profit trust fund, established for the purpose of providing benefits to AFT members. Union membership dues paid to AFT or its locals are not used to pay the operating expenses of the Benefit Trust. The Benefit Trust receives funds to cover operating expenses from negotiated expense reimbursement and/or endorsement arrangements from some of the companies who provide these benefit programs to members. The reimbursement and/or endorsement arrangements may consist of a dollar amount per AFT member using that benefit or may be percentage of premiums paid by AFT members who are insured by an insurance provider.

Specific information pertaining to these expense reimbursement/endorsement arrangements is included in the communications materials and application or enrollment forms for each program that has such an arrangement in place. Expense reimbursements are used solely to defray the costs of administering the programs of the Benefit Trust including compensation, rent, office expenses and the cost of retaining outside consultants, auditors, and attorneys to advise the Trustees and staff. Where appropriate, revenues from expense reimbursements and endorsements are used to enhance the benefit programs for participants.

Just as no membership dues are used to support the Benefit Trust in any way, no expense reimbursement /endorsement funds received by the Benefit Trust are paid to the American Federation of Teachers, except for the reimbursement costs of office space and personnel provided by AFT as determined by independent auditors.

Supplemental Insurance Programs

USI Affinity* (USIA), a third party administrator (TPA), manages the supplemental insurance programs for the Benefit Trust. The Benefit Trust has an expense reimbursement/endorsement arrangement of 5 percent of total premiums for this administrative work. The following products are administered by USIA: Term Life Insurance with Accidental Death & Dismemberment; No-Cost $12,000 Life Insurance for new members only (first twelve months); Disability Insurance and Universal Wrap Life Insurance.

All payments to the Benefit Trust are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. Please call the AFT + Member Benefits Department at 800/238-1133, ext. 8643 if you experience a problem with any endorsed program.

* formerly Future Planning Associates, Inc.

Term Life Insurance with AD&D

The Term Life Insurance benefit is endorsed by AFT +. The Benefit Trust has an expense reimbursement/endorsement arrangement of 5 percent of total premiums for this program. All such payments to the Benefit Trust are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. The Insurer pools the premiums of AFT Benefit Trust participants who are insured for the purposes of determining premium rates and accounting. Coverage outside of this plan may have rates and terms that are not available through the Benefit Trust. The Insurer or the Benefit Trust may hold premiums reserves that may be used to offset rate increases and/or fund other expenses related to the plan as determined appropriate by the Benefit Trust. AFT + is your advocate; please contact the AFT + Member Benefits Department at 800/238-1133, ext. 8643 if you experience a problem with any endorsed program.

Disability Insurance

The Disability Insurance benefit is endorsed by AFT +. The Benefit Trust has an expense reimbursement/endorsement arrangement of 5 percent of total premiums for this program. All such payments to the Benefit Trust are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. The Insurer pools the premiums of AFT Benefit Trust participants who are insured for the purposes of determining premium rates and accounting. Coverage outside of this plan may have rates and terms that are not available through the Benefit Trust. The Insurer or the Benefit Trust may hold premiums reserves that may be used to offset rate increases and/or fund other expenses related to the plan as determined appropriate by the Benefit Trust. AFT + is your advocate; please contact the AFT + Member Benefits Department at 800/238-1133, ext. 8643 if you experience a problem with any endorsed program.

Universal Wrap Life Insurance

The Universal Wrap Life Insurance benefit is endorsed by AFT +. The Benefit Trust has an expense reimbursement/endorsement arrangement of 5 percent of total premiums for this program. All such payments to the Benefit Trust are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. The Insurer pools the premiums of AFT Benefit Trust participants who are insured for the purposes of determining premium rates and accounting. Coverage outside of this plan may have rates and terms that are not available through the Benefit Trust. The Insurer or the Benefit Trust may hold premiums reserves that may be used to offset rate increases and/or fund other expenses related to the plan as determined appropriate by the Benefit Trust. AFT + is your advocate; please contact the AFT + Member Benefits Department at 800/238-1133, ext. 8643 if you experience a problem with any endorsed program.

Long-Term Care Coverage

The Genworth, LLC Long-Term Care program is endorsed by AFT +. The Benefit Trust has an expense reimbursement/endorsement arrangement of $100 of each approved policy of this program. All such payments to the Benefit Trust are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. AFT + is your advocate; please contact the AFT + Member Benefits Department at 800/238-1133, ext. 8643 if you experience a problem with any endorsed program.

Discount Hotel Program

The discount hotel program offered by the Wyndham Hotel Group, LLC is endorsed by AFT +. AFT has an expense reimbursement/endorsement arrangement of 6 percent of earned premiums for this program. All payments to AFT are used solely to defray the costs of administering the AFT + Member Benefits programs and, where appropriate, to enhance them. AFT + is your advocate; please contact

AFT + Member Benefits at 800/238-1133, ext. 8643 if you experience a problem with any endorsed program.

Online Bookstore

Powell’s online bookstore is a program endorsed by AFT +. AFT has an endorsement arrangement of that rebates 7.5 percent of member purchases to the AFT; these monies are dedicated to the AFT Disaster Relief Fund. AFT + is your advocate; please contact the AFT + Member Benefits Department at 800/238-1133, ext. 8643 if you experience a problem with any endorsed program.

Education Travel

EF Educational Tours is an AFT + endorsed program. AFT has an endorsement arrangement of two round trip domestic airplane tickets per year. These two donated tickets are randomly awarded as a door prize to an attendee at the AFT Convention and/or QuEST conference. AFT officers and Executive Council members are not eligible for this prize. AFT + is your advocate; please contact the AFT + Member Benefits Department at 800/238-1133, ext. 8643 if you experience a problem with any endorsed program.

Magazines

AFT Subscription Services is an AFT + endorsed program. AFT has an endorsement arrangement of $3.00 per subscription. All payments to AFT are used solely to defray the costs of administering the AFT + Member Benefits programs and, where appropriate, to enhance them. AFT + is your advocate; please contact the AFT + Member Benefits Department at 800/238-1133, ext. 8643 if you experience a problem with any endorsed program.

Car Rentals

The Budget Rental, Inc. Car Rental Plan is an AFT + endorsed program. AFT has an expense reimbursement/ endorsement arrangement of 2 percent based on member net time and mileage revenue received for this program. All payments to AFT are used solely to defray the costs of administering the AFT + Member Benefits programs and, where appropriate, to enhance them. AFT + is your advocate; please contact the AFT + Member Benefits Department at 800/238-1133, ext. 8643 if you experience a problem with any endorsed program.

The Alamo & National Inc.’s Car Rental Plan is an AFT + endorsed program. AFT has an expense reimbursement/endorsement arrangement of 3 percent based on annual recorded net time and mileage revenue received for this program. All payments to AFT are used solely to defray the costs of administering the AFT + Member Benefits programs and, where appropriate, to enhance them. AFT + is your advocate; please contact the AFT + Member Benefits Department at 800/238-1133, ext. 8643 if you experience a problem with any endorsed program.

Union Privilege Credit Card

The Union Privilege Credit Card is an AFT + endorsed product that is offered through the AFT's participation in the AFL-CIO's Union Privilege program. AFT receives substantial royalty payments from the program that support the operations and services of the AFT + Member Benefits Department. AFT + is your advocate; please contact the

AFT + Member Benefits Department at 800/238-1133, ext. 8643 if you experience a problem with any endorsed program. For information about the royalty arrangement with Union Privilege, please call the AFT Financial Services Department at 202/879-4493 or send an e-mail to disclosureinfo@aft.org.

AFT +/Union Privilege Programs

AFT + has endorsed the following products or services available through the AFL-CIO’s Union Privilege program: auto club, pet insurance, veterinary care savings, legal services, mortgage, loan, credit counseling, credit score monitoring, health club discounts, online tax service, union made clothing, flower service, and entertainment discounts. AFT has a capped expense reimbursement/endorsement arrangement with Union Privilege. All such payments to AFT are used solely to defray the costs of administering the

Member Benefits programs and, where appropriate, to enhance them. AFT + is your advocate; please contact the AFT + Member Benefits Department at 800/238-1133, ext. 8643 if you experience a problem with any endorsed program.

For information about this program or about contractual expense reimbursement and/or endorsement arrangements with providers of endorsed programs, please call the AFT Financial Services Department at 202/879-4493; send an e-mail to disclosureinfo@aft.org; or refer to your AFT + Member Benefit Booklet.