For information regarding any of the following benefits, and to receive your AFT discount, please visit the AFT PLUS web site at: http://www.aft.org/aftplus

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* Financial Services - AFT Credit Card, Legal Services, Loans (Personal and Educational), Mortgage and Real Estate.

* Group Insurance -Various kinds of insurance including Life, Disability, Medical, Hospital -- and more.

* Health Needs - Various kinds of health insurance.

* Discounts - Big Deal Book, Flowers, Dining, Subscriptions, Car Rentals, Theme Parks, Hotels, Tours, vacations -- and more.

* Special Offers and Savings - Travel Specials, Quarterly promotion specials, Discounts from 9 national hotel chains and 3 national car rental companies, Auto insurance, Student loan consolidation program-- and more.

Reliable Credit Counseling From AFT+ Member Benefits
from the AFT Retiree e-news, October 30, 2008

In times like these, managing your money is more important than ever. To help union members in financial difficulties take a positive first step, AFT+ Member Benefits and the AFL-CIO's Union Privilege have created the Union Plus Credit Counseling program in conjunction with Money Management International (MMI), a respected organization with 46 years' experience in credit counseling.

Certified consumer credit counseling advisors work together with union members to create a successful program to help you eliminate your debt. You can get a free credit counseling session, budget analysis and advice to get back on the road to financial recovery. Your free session covers: a complete financial review and budget analysis; assistance in budgeting or advice on sources of additional income; advice on how to work with creditors and a written Action Plan that summarizes your financial situation, provides a budget and timeline for reaching goals.

After the initial session, if you need additional assistance to eliminate debt, your counselor will develop a customized debt management plan for you. You'll receive a 33 percent union-member discount on the set-up fee for the plan. To find out more, visit http://www.unionvoice.org/ct/fd1KNr61DcHv/] or call 877/833-1745.