Member Benefits

When you’re out of work due to illness or injury, there are two things that are increasingly hard to come by: piece of mind and cash. Aflac™ policies provide both!

When you’re out of work due to illness or injury, the moment is all that counts, as you marshal your emotional, physical and financial resources to get back on your feet as quickly as possible. The concern for a growing number of Americans is the increasing burden of uncovered and out-of-pocket expenses - and that’s even if they have major medical insurance.

That’s why you need Aflac™. Aflac™ provides the money you need to help with deductibles, treatment-related travel, daily living obligations, loss of earning power, any of life’s necessities. Aflac™ policies can be purchased to cover an individual, a husband and wife, a single-parent family or a two-parent family. This freedom of choice allows the policyholder flexibility with their coverage.

For more information about the benefits, costs and limitations of their insurance policies, please contact our Aflac™ agent today!

Union Plus® benefits offered by the AFL-CIO’s Union Privilege® and benefits offered by AFSCME Advantage® provide consumer savings, discounts, benefits, and education resources to active and retired union members.

BE SURE TO USE THEM TODAY & EVERYDAY!

Just some of the products and services you can be saving on through

AFSCME Advantage and Union Plus include:

·	Education. Looking for training? Need money for school? Take advantage of AFSCME’s Scholarship Programs, Union Plus Education Services, and its unionized online bookstore.

·	Auto Advantage. From insurance to tires, AFSCME Advantage has you car needs covered.

·	Legal. Quality legal services are available for every need.

·	Money & Credit. The best rates, benefits and tax preparation services have been established exclusively for members.

·	Health Services. Look to AFSCME Advantage for affordable health insurance, discount programs and health club discounts.

·	Home Mortgage Assistance. Arrange a confidential, free consultation with expert housing counselors who can provide advice, help you find answers and develop an action plan to get your financial house in order.

The Federation has expanded its medical malpractice benefit package to include a partnership with Physicians Risk Management Group (PRMG) who has designed a comprehensive benefit program that can offer substantial savings for our members.

Over the past year we’ve been working with PRMG to incorporate many of the things that our members have suggested they would like to see in their medical malpractice benefit packages. As a result, in working with an underwriter who writes in all states that the Federation has membership, our members may be able to develop tailor-made, professional liability insurance programs for less than what they are paying now.

ALL Federation members who are in current standing qualify for

this new cost-savings benefit.

With the way these programs are developed, many FPD members can enjoy substantial savings! Reduced premiums, membership dividends and other financial benefits that reward physician members for their loyalty and commitment to providing outstanding patient care – all are part of a new series of benefits that we have developed in our continued response to the malpractice crisis that still plagues many of our members.

In addition to serving as liaison between FPD members and the insurance carriers, PRMG’s in-house staff risk management department has recently added Alan Robbins, M.D. (OB/GYN) to assist physician office managers and personnel in dealing with complex safety and risk issues that arise in individual, partnership, or group physician offices.

Take a look at just some of the coverage details that FPD members can anticipate:

w	Choice of liability limits up to $25,000,000 – occurrence or claims made

w	FREE retirement tail coverage

w	Roster policy feature (for large practice groups who need flexibility to accommodate staff changes, providing separate limits of liability and extended reporting coverage)

w	Coverage for Locum Tenens, at no extra charge

w	Alternative policy options, to customize policies that address both future and residual exposures

Indeed, you may already be receiving this type of coverage, but after reviewing several examples of policies currently held by FPD members, we have been told that each one of them could be written at substantial savings!

AND....

Not only is PRMG offering medical malpractice at greatly reduced rate, we’ve also arranged for discounts in workers’ compensation, disability income, package insurance for your building and office, and NOW - Employee Benefits! Because PRMG works with medical professionals exclusively, you can be assured that you will receive excellent attention to your individual situation.

PRMG has the experience to know which carriers to use to get the best programs in place to meet each of the Federation Members needs. PRMG relies only on “BEST” ratings for company information and most of the companies they do business with have a “BEST” rating of “A7” or better. All companies cannot be everything to everyone - for instance, an insurance company that specializes in an Anesthesiologist/Pain Management physician may not be the right insurance carrier for an Obstetrician/Gynecologist, Neurosurgeon or Dentist. This is why PRMG has negotiated on your behalf with several carriers to offer their program to Federation Members at a discount.

As you know, strength comes in numbers. Physicians Risk Management Group will use our numbers to strengthen our union membership and offer a full range of insurance plans dedicated to the Medical Professional at reduced rates not currently available to them.

So, if you would like to find out what kind of savings in your malpractice premiums you may be eligible for, or if you want to see if they can arrange for discounts in other areas, such as small group or individual health insurance for your employees, you are encouraged to contact our agent at Physicians Risk Management Group today!

BE SURE TO MENTION THAT YOU ARE A FEDERATION MEMBER!

PRMG shares the Federation’s commitment to physicians and physician advocacy, and in pursuing legislative reforms that protect the practice of good medicine. We hope that you take advantage of this powerful combination of benefit programs and as always, if you have any questions please feel free to give us a call anytime!

If You Think Identity Theft Can’t Happen to You Because ...

You’re careful when you give your credit card information to servers in restaurants or clerks in stores.

®	You should know that an estimated 9 million Americans have their identities stolen each year.

You watch when you type your PIN into an ATM machine to make sure that no one looks over your shoulder.

®	You should know that ATMs can be rigged to copy bank cards, account numbers and PIN combinations.

You are not vulnerable because of your age. I won’t ever be a victim of identity theft.

®	You should know that identity theft criminals do not discriminate. They don’t care how old you are. Anyone can be a victim.

You don’t purchase items online so your credit card information won’t be targeted.

®	You should know that online exchanges represent only a small percent of this crime. The majority of identity fraud occurs through paper documents and stolen information.

Have you ever stopped to think what would happen if your income stopped should you suffer a disability?

Expenses would continue ... probably greater than ever when you consider insurance deductibles and uncovered medical bills. Your income is your most valuable asset and without it your savings can quickly be turned into debt!

You insure your other valuable assets, like your home and your car. But you may not have thought to insure your income in the event you suffer a disability that prevents you from working - which is much more common than you think.

We want our members to be protected! Disability Income Insurance Protection plans are now available! These products are specifically designed to replace lost income due to a covered accident or illness, and both Short Term and Long Term disability products are available.

HERE ARE SOME HIGHLIGHTS:

Short Term Disability

·	Guaranteed to Issue available – policies issued regardless of health conditions (within issue ages and actively at work); 12-month pre ex will apply

·	Coverage ages 16-69

·	Fully portable

·	Shorter elimination periods – benefits payable as soon as the 15th day of an accident or illness

·	Benefit periods up to 1 or 2 years

·	Pays on and off the job benefits; benefit reduced if worker’s comp. Pays

·	Can be used to fill the gap while waiting for your Long Term disability to begin Plan designs to meet your individual needs and budget

Long Term Disability

·	Coverage ages 18-70

·	Fully Portable

·	1, 3 or 5 year Benefit Periods

·	60, 90 or 180 day elimination

·	Coverage customized for each individual

·	Medical underwriting questions required

·	Issue up to 65% of income

We’d like you to know more about this, so please click on the link below to complete our online quote request form, or you may contact our agent for additional information.