Texas Retired Teachers Association Member Benefits Updated February 2012.

26
Texas Retired Teachers Association Member Benefits Updated

Transcript of Texas Retired Teachers Association Member Benefits Updated February 2012.

Page 1: Texas Retired Teachers Association Member Benefits Updated February 2012.

Texas Retired Teachers Association

Member

Benefits

Updated February 2012

Page 2: Texas Retired Teachers Association Member Benefits Updated February 2012.

TRTA offers many

benefits to members.

All benefits have been

studied, recommended

by the TRTA Benefits

Committee, and then

adopted by the TRTA

Board.

TRTA Member Benefits

Page 3: Texas Retired Teachers Association Member Benefits Updated February 2012.

TRTA Dental Plan

• Provider: Ameritas Life Insurance Corp. – Ameritas is rated A (Excellent) by AM Best– Find a provider or ask about benefits at 888.239.3336

• Enrollment & Billing– Association Member Benefits Advisors (AMBA)– Request an enrollment form at 800.258.7041 or visit

www.trtabenefits.com– Enroll online at www.trtabenefits.com

• Highlights– Freedom to use any dentist you choose! No network required!– Routine Cleanings & Exams are covered at 100% of the usual and

customary rate with no deductible– High $1,500 Calendar Year Maximum– Dental Rewards – may allow the $1,500 benefit to grow to $2,750!– High Coverage Levels

Page 4: Texas Retired Teachers Association Member Benefits Updated February 2012.

TRTA Vision Plan

• Vision– Provided through Vision Service Plan (VSP)– Vast network of doctors

• Most members have access to a VSP doctor within 10 miles of work and home.

– Exam and lenses provided every 12 months after co-pay– Frames provided every 24 months up to your allowances,

or:– Contacts provided every 12 months up to your allowances

Page 5: Texas Retired Teachers Association Member Benefits Updated February 2012.

TRTA Vision Plan

• Claims

– Vision Service Plan (VSP), ranked highest in member satisfaction by J.D. Power three consecutive years

– Find a provider or ask about benefits at 800.877.7195

• Enrollment & Billing

– Association Member Benefits Advisors (AMBA)

– Request an enrollment form at 800.258.7041 orenroll online at www.trtabenefits.com

Page 6: Texas Retired Teachers Association Member Benefits Updated February 2012.

TRTA Vision Access Plan

• Free Benefit: Discounts at VSP Providers just for being a TRTA Member!

• Locate a provider– 800.877.7195– www.vsp.com/go/trta

• Available Discounts– 20% off eye exam– 20% off lenses and frames when purchased from the

same provider your eye exam was done at.– Other Discounts including Laser Vision Correction

Page 7: Texas Retired Teachers Association Member Benefits Updated February 2012.

How Do I Use It?

• Mention to the VSP provider that you are with the TRTA Vision Access Plan

• VSP must have a 9 digit number to locate you in their system

• Simply add zeroes to the front of your TRTA membership ID until it becomes a 9 digit number.

– For example – member #123456 would give the VSP provider the following number 000123456 (NOTE: there were 6 digits, plus the 3 zeroes added onto the front, equals a total of 9 digits).

TRTA Vision Access Plan

Page 8: Texas Retired Teachers Association Member Benefits Updated February 2012.

TRTA Vision Plan Facts

Average costs without the TRTA VSP Plan

• Eye Exam - $87.81

• Single Vision Glasses - $216.73

• Bifocal Glasses - $253.51

Page 9: Texas Retired Teachers Association Member Benefits Updated February 2012.

Member Benefits

• Group Long-Term Care/Home Health Insurance – You select the daily benefit amount, elimination period, and

benefit period which best suits your needs for care. – The policy features include no prior hospital stay and no

waiting period for pre-existing conditions.

• Medicare Supplement Insurance– You have the freedom of choice to select the doctors,

hospitals, and clinics that you want – and you will never be cancelled because of age or health. Multiple plans are available. All benefits are paid in addition to any other existing insurance you may have.

Page 10: Texas Retired Teachers Association Member Benefits Updated February 2012.

Member Benefits

• First Diagnosis Cancer Benefit Policy– The money comes directly to you in cash, all at one time in

one lump sum payment.– You know exactly how much money you can count on

receiving to pay for expenses – no surprises!– Guaranteed renewable for life.– Coverage available for individual, single parent, or family.– Total cash benefit paid whether or not you are hospitalized

or receive treatment.– Continuous coverage even if you change jobs or retire.

Page 11: Texas Retired Teachers Association Member Benefits Updated February 2012.

Member Benefits

• Single Premium Tax Deferred Annuity– Tax-deferred accumulation of interest– Guaranteed competitive interest rate– Multiple payout options– Nursing home waiver

• Final Expense Life Insurance– Premiums are guaranteed to never increase– Coverage is guaranteed to never decrease– Death benefits paid to your beneficiary are tax free

Page 12: Texas Retired Teachers Association Member Benefits Updated February 2012.

• Medical Air Services Association (MASA)– MASA is an international emergency assistance

association designed to return a person home after an illness or injury, and provide additional benefits that are outside most insurance company’s realms.

• Helicopter Transportation• Ground Ambulance Transportation• Mortal Remains Return• Escort Transportation• Minor Children/Grandchildren Return• Vehicle Return• Organ Retrieval • Organ Recipient Transportation

Member Benefits

Page 13: Texas Retired Teachers Association Member Benefits Updated February 2012.

Member Benefits

• John A. Barclay Agency, Inc.– Professional Liability & Private Practice Educator Professional

Liability Insurance for qualified TRTA members returning to the classroom is available through this company.

• Acadian On Call– Acadian On Call provides medical alert systems to over 14,000

subscribers nationwide and ranks in the top 10 medical alarm companies in the U.S. Emergency assistance is available at the push of a button.

• Hearing Healthcare Benefit– Hearing Aid Express administers and provides benefits to TRTA

members through a statewide network of hearing healthcare professionals. Member benefits include free hearing tests and a 10% discount off of everyday prices on hearing aids.

Page 14: Texas Retired Teachers Association Member Benefits Updated February 2012.

Member Benefits

• 1-800-Flowers– TRTA members save 15% at 1-800-FLOWERS.COM! Life's

everyday celebrations are easy at 1-800-FLOWERS.COM®.

• Stroke Scan, Inc.– Conducts vascular and bone denisty screening for $135 per

person for the 3 vascular and $25 for the bone density. Members receive discounted price of $100 for al 3 vascular screenings.  Will conduct tests at TRTA local unit meetings within the state for $100 per person. Call toll free at 866.935.7226 or visit www.strokescaninc.com.

Page 15: Texas Retired Teachers Association Member Benefits Updated February 2012.

Member Benefits

• Government Employee Travel Opportunities (GETO)– “Space available” rental program that has access to privately

owned resorts around the world. Off season rentals are available at reduced rates.

• AMBA TravelPERX– The best values for cruises, resorts, and escorted tour

vacations to the Caribbean, Mexico, Panama Canal, Europe, Alaska, South America, and Asia. Visit: www.AMBAtravelPerx.com or call 800-480-4080.

• La Quinta Inns Discount– Receive up to 35% off room rates in Texas and 15% off in

other states.

• Drury Inn & Suites– TRTA members receive 5% discount off Drury’s corporate

rates at the more than 100 Drury Inn & Suites in nineteen states.

Page 16: Texas Retired Teachers Association Member Benefits Updated February 2012.

Member Benefits

• Rental Car Discounts– Enterprise: Members save 10% on car rentals.– AVIS: Members save up to 25% on car rentals.– Budget: Members save up to 25% on car rentals.

• CSIdentity Protector– Identity theft protection is available to TRTA members through

CSIdentity Corporation. For $9.00 a month you can start protecting your identity from one of the fastest growing crimes in America. Most identity theft solutions only provide credit monitoring. CSIdentity ProtectorSM not only provides credit reports and monitoring, it also provides non-credit loan activity, public records monitoring, criminal record monitoring, Internet monitoring, restoration services, and $25,000 of identity theft insurance. Visit www.amba.info/idtheft.html to learn more or enroll.

Page 17: Texas Retired Teachers Association Member Benefits Updated February 2012.

Member Benefits

• Dell Computer Discount– Computer discounts for TRTA members

• Apple Products Discount– Members qualify for preferred pricing on some of the latest

Apple products and accessories. Benefits include special member discounts on Apple products, quarterly promotions, free standard shipping on orders over $50, free engraving on iPod, online custom product configuration, and simplified checkout using any combination of credit card, or Apple gift card.

Page 18: Texas Retired Teachers Association Member Benefits Updated February 2012.

Member Benefits – New for 2011

• Reverse Mortgage | What is it:– A reverse mortgage is a government insured loan program

that allows you to access the equity in your home without making a monthly mortgage payment1. Unlike traditional “forward” mortgages, the interest on the loan accrues and is paid back when you are deceased or sell your house. If you currently have a mortgage and you have enough equity in your home, it could be paid off from the funds you receive from a reverse mortgage, eliminating your monthly mortgage payment obligation2.

1You will still be responsible for making all property tax and insurance payments associated with your home.

2Consult your tax advisor to determine if a reverse mortgage will affect your tax status. Generally, the proceeds are

tax free and do not affect Medicare or Social Security benefits.

Page 19: Texas Retired Teachers Association Member Benefits Updated February 2012.

Member Benefits

• Benefits of a reverse mortgage:– Convert your home equity into tax-free cash– Pay off other existing debts– Fund home improvements or repairs– Supplement your monthly expenses– Take the trip you have always wanted– Financially assist family members– Allows you to stay in your home and retain ownership

• Reverse Mortgage Solutions (RMS) is one of the top lenders and servicers of reverse mortgages in the country and has the highest possible rating with the Better Business Bureau. TRTA members can learn more by calling 800-809-0528

Page 20: Texas Retired Teachers Association Member Benefits Updated February 2012.

Membership Building Using the TRTA Dental & Vision Plans

Page 21: Texas Retired Teachers Association Member Benefits Updated February 2012.

Why Join TRTA?

• Fellowship– Interact with a group that shares your values &

interests

• Legislative Representation– Let the interests & needs of retired educators be

heard by local, state, and national lawmakers

• *Benefits*– Receive insurance and discount benefits that exceed

what a person gets in the open market.

Page 22: Texas Retired Teachers Association Member Benefits Updated February 2012.

Why Join TRTA? – Benefits!

• TRTA Membership - What’s in it for me?– Any recruiter is required to answer this

question– There are a flood of teachers preparing to

retire – and they will be asking!– What will you say?

• *Benefits*– TRTA dues are $25 per year – the benefits &

discounts available to TRTA members more than compensate for this $25.

Page 23: Texas Retired Teachers Association Member Benefits Updated February 2012.

Why Join TRTA? – Benefits!

• What Benefits?– *Dental & Eye Care Insurance*– Long Term Care– Air Ambulance (MASA)– Life Insurance & Annuity– Cancer Insurance– Medicare Supplement

Page 24: Texas Retired Teachers Association Member Benefits Updated February 2012.

TRTA Dental & Eye Care

• Simple– Many benefits are difficult to explain, Dental & Eye Care coverage

is straightforward– A new retiree can easily see the value of the TRTA plan

• Necessary– Maintaining vision and dental health is a concern for most retirees

• Popular!– Over 15,000 TRTA Members participate in the TRTA Dental &

Vision program.

Page 25: Texas Retired Teachers Association Member Benefits Updated February 2012.

Grow that Membership!

• Carry information concerning dental & vision with you! – at Pre-Retirement Meetings– when meeting with School District Leaders– At TRTA local chapter meetings

• Use the dental, vision, and vision access plan to show potential members the value of TRTA membership

• Where can you get more information?– Visit www.trtabenefits.com

• Enrollment forms on the website – print as many as you need!– Contact AMBA at 800.258.7041

• Carry TRTA membership applications & TRS593 dues deduction forms

Page 26: Texas Retired Teachers Association Member Benefits Updated February 2012.

Grow that Membership!