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BACK TO SCHOOL 2014 | WEAnews 26 Build a beer life with NEA Member Benefits. By negotiating with America's largest companies, we've saved NEA members like you more than $10 million. Our programs and services deliver the recognition you deserve. Read on to see all that's available to you. Learn more at neamb.com/learnmore. And if you have any questions, don't hesitate to call 1-800-637-4636. Credit & Loans NEA credit cards give you a choice of great rewards and competitive rates. With the NEA ® Cash Rewards Card, for example, you earn 1% cash back on purchases everywhere, every time. Earn 2% at grocery stores and 3% on gas for the first $1,500 in combined purchases in these categories each quarter. 1 The NEA Home Financing Program ® simplifies purchase and refinance mortgages, home equity loans, and lines of credit. The NEA Personal Loan ® can be a faster way to pay off your higher-interest-rate balances. If you owe from $5,000 to $25,000, this loan could be a great way to consolidate it—and take control of your finances. The NEA ® Smart Option Student Loan ® by Sallie Mae ® lets you borrow up to 100% of college tuition, room, board, and other costs—and you can defer payments until aŒer graduation. 2 Retirement Our Online Retirement Planning Center provides tips and tools for every member, whether you're already retired or just starting your first job. You'll find savings strategies for women and 403(b) management advice. Our Retirement Income Calculator knows details of your pension plan, and tells you if you're saving enough. You even get Kiplinger's Retirement Report FREE every month. NEA's Tax-Deferred Retirement Savings Program provides an ideal opportunity to supplement your retirement income. Savings * Get more for your money through our high-performing savings products, which include: NEA ® Online Savings Account NEA ® Money Market Account NEA ® Certificate of Deposit NEA ® IRA Certificate of Deposit Explore Explore all the ways NEA Member Benefits supports you. Programs & Services 2014–2015 Life Insurance The NEA Members Insurance Trust ® provides valuable coverage to members like you. All eligible members receive, at no cost, up to $1,000 of NEA ® Complimentary Life Insurance and up to $5,000 of AD&D (accidental death and dismemberment) coverage. 3 Throughout their first 12 months, eligible new members also get $15,000 of no-cost NEA ® Introductory Term Life Insurance. To supplement this basic protection, the NEA Members Insurance Trust offers you and your spouse four different plans, providing up to $1,000,000 in coverage at preferred rates. NEA ® Level Premium Term Life Insurance lets you lock in today's rate for up to 20 years. NEA ® Group Term Life Insurance gives you more flexibility. NEA ® Guaranteed Issue Life Insurance ensures coverage if you're age 45 or older. NEA ® AD&D Insurance offers rates as low as $19 a year. Health Insurance NEA ® Retiree Health Program helps retired members save with lower rates, on average, than the leading plan. 4 It's provided by the NEA Members Insurance Trust and underwri¦en by United American Insurance Company. America's leading insurers provide these member-only plans at preferred rates. They make the best care more affordable for you, your family, and even your pets: NEA ® Hospital Care Insurance NEA ® Long-Term Care Insurance NEA Income Protection ® Plan (disability insurance) NEA ® Pet Insurance NEA ® Dental & Vision Insurance Plans Auto & Home Insurance The NEA ® Auto & Home Insurance Program provided by California Casualty offers coverage designed for educators. Drivers who switch save an average of $443 a year. Combine your auto and homeowners/renters and take advantage of even greater savings. NEA also offers coverage for floods, earthquakes, mobile homes, personal umbrella, recreational needs, auto insurance for antique and classic cars, motorcycles, recreation vehicles, boats, and snowmobiles. Visit neamb.com/homeandauto & neamb.com/specialtyinsurance to learn more. *Savings products offered by Discover Bank, Member FDIC.