1435 Morris Avenue - Suite 3A, Union, NJ 07083
Tim Haresign, President

AFT + Member Benefits

With access to a wealth of opportunities and resources, the AFT has something for you.

  • Insurance for your home, auto and life—even your pets
  • No fee credit card with special union-member features
  • A mortgage program with special features for AFT members
  • 15 percent off wireless phone plans

With the purchasing power of 1.5 million members, together we are able to access a wide array of quality programs and services.

Many of the AFT's benefit offerings are through our affiliation with Union Plus, the AFL-CIO benefits program. New Union Plus programs have been added to the AFT + roster of benefits to bring you savings on an even wider array of products and services.

AFT + Endorsed Insurance

Auto and Home Insurance*
Provides protection for members' most valuable assets - their cars and homes. Benefits include special discounts for AFT members, convenient payment options and a deductible savings benefit for safe drivers.

$10,000 No-Cost Term Life**
New AFT members can apply for $10,000 of term life protection at no-cost for 12 months.

Term Life*
Designed to provide financial protection for your loved ones in the event of a premature death. New AFT members are entitled to $10,000 of coverage for a period of one year at no cost. ** 

Disability Income*
Provides up to 60 percent of a member's monthly income in the event he or she is unable to work due to an accident or extended sickness.

Universal Life*
If actively at work, a member can obtain up to $150,000 of protection with no medical tests or health questions. 

Catastrophic Major Medical Plan*
Protects members from the financial hardships that can accompany major illness and injury from out-of-pocket healthcare costs. This plan supplements a member’s basic health insurance by paying expenses not covered by his or her primary coverage or Medicare. 

Long-Term Care*
Maintains a member's financial freedom and gives flexibility in making choices in the event of a long-term illness or a chronic condition.

Pet Insurance
Your pet can have their own insurance. Policies include older pets, accident-only coverage and more. 

Pet Assure Veterinary Care Savings
Members can save 25 percent off their bill at participating veterinarians. 


Health Club Discounts
Save on new health club memberships at more than 10,000 health clubs nationwide. 

Dental and Health Discounts
Members and their families can receive discounts from a network of participating providers. Choose from a no-cost prescription card, a vision discounts plan for just $14.95 a year and a dental discounts plan for just $69.95 a year..

Limited Medical Plan
A fixed payment policy offering a combination of limited medical benefits and a fully insured prescription plan for generic drugs. 

Vision Plan
An affordable solution to vision care for members and their families. The plan includes in-network savings at more than 30,000 locations.

Life Line Screening (Carotid Artery Screening)
Painless, non-invasive Stroke/Carotid Artery, Heart Rhythm, Abdominal Aortic Aneurysm, and Peripheral Arterial Disease Screening at various locations throughout the United States for only $135.

Member discounts for online Consumer Reports Health subscriptions.

Legal and Financial Services

Legal Services*
Members are in touch with a nationwide network of more than 2,000 law offices that offer free 30-minute consultations and discounted services.

Credit and Budget Counseling
Certified credit counselors are available 24 hours a day to help members with confidential financial guidance, free consumer credit counseling services and discounted debt management assistance.

AFT Member Benefit MasterCard Credit Card

Credit Card
The AFT MasterCard offers two card choices - one with 1.5% Cash Rewards, one with Low Intro APR - both with competitive rates, U.S.-based customer service and more. Plus, improved assistance benefits for eligible cardholders. **

Home buying and refinancing is made easier and more affordable for members with competitive mortgage rates and special union-member protections. For qualifying members, exclusive benefits include a $500 My Mortgage GiftSM award card1 from Wells Fargo Home Mortgage and, from Union Plus, special hardship assistance and the opportunity to earn a $500 First-Time Home Award.

Save My Home Hotline
A dedicated Save My Home Hotline staffed by HUD-trained counselors is available free to all members to discuss mortgage issues. 

Retirement Planning Calculator
AFT has online tools to help members plan for a financially secure retirement.

Travel and Entertainment

Entertainment Discounts
Members can save on movie tickets, movie rentals, theme park
admissions and much more. 

Car Rental
AFT + car rental programs with Alamo, Avis, Budget, Enterprise, Hertz and National will meet members’ travel needs and stretch their vacation dollars.

Auto Club
The AFT + Auto Club will be there to help members with vehicle-related problems, anywhere in the country, 24/7/365. 

Hotel Discounts
Save up to 20 percent off the best available restricted rate at more than 6,400 participating hotels worldwide. 

Go Ahead Tours - Escorted Tours for Adults of All Ages
A variety of tour types - safaris, food and wine, spa, cruises and city stays.

Extra Holidays by Wyndham
AFT members save 20 percent at one of more than 70 one-, two-, and three-bedroom deluxe suites.

Endless Vacation Rentals
AFT members receive a 10 percent discount at approximately 200,000 Wyndham vacation rental properties worldwide.


AFT Advantage
Exclusive access to an online shopping program. Save from 10 percent to 70 percent off electronics, apparel, home furnishings, tickets and much more.  

Flowers Flowers
Save 20 percent on all orders, and have flowers, gifts and plants hand-delivered anywhere in the world.

Powell’s online bookstore has a huge selection of new and used books, including textbooks. 

AFT Subscription Services provides members with the lowest rates and the best customer service on magazine subscriptions, renewals and gifts. 

Moving Van Discounts
Discounts on interstate moves and do-it-yourself moves. 

Discount Wireless pixAT&T Wireless Discount
Members can receive a discount of 15 percent
on AT&T wireless plans.  

Member discounts for online Consumer Reports subscriptions. 

Dell and HP Computers
Savings on selected Dell and HP products.

Auto Buying Discounts
Buying a car, whether new or used, can be stressful and time-consuming. The AFT + Auto Buying program brings you programs to help save money and keep you on the road.


Union Plus Scholarship Program

Union Privilege scholarship


Sponsored by the Union Plus Education Foundation. The program is open to members, spouses and dependent children of unions participating in any of the Union Plus programs.

 Information about the program and helpful links

 Link to the Union Plus site

Loan Forgiveness

The AFT does not sponsor our own loan forgiveness program, but our AFT Teachers division has compiled a list of resources for federal and state loan forgiveness programs, as well as scholarship programs for students pursuing careers in teaching:

Funding Database

Use our funding database to find funds for your continuing education, professional development, and classroom. Search for loan forgiveness programs, teacher grants and awards, classroom donation programs, and summer studies and exchange programs. You can even narrow your search by state, grade level, subject area and more!

Additional Funding Resources

Classroom Tips: Loan Forgiveness - This brochure describes a variety of federal loan forgiveness programs available to classroom teachers.