The Pennsylvania State Education Association

Benefit Details

AD&D Insurance Plan

Underwritten by Prudential Insurance

For PSEA Members:

• Economical rates, starting at $19 per year
• Guaranteed acceptance - no medical exams
• Up to $120,000 in coverage at home or away
• Up to $520,000 for any covered accident on a plan, train, ship or other public conveyance

Automobile Insurance

Underwritten by 21st Century Insurance

• 10% PSEA discount for members
• Free identity theft restoration service
• Free emergency roadside assistance and medical assistance 
• No deductible for losses incurred on school property due to vandalism
• No deductible for losses incurred while traveling on PSEA business
• Claims-free discount every year you remain loss free

Business Travel Protection

Underwritten by: National Union Fire Insurance Company of Pittsburgh, PA

 Administered by: PSEA Health & Welfare Fund

The PSEA Health & Welfare Fund Business Travel Protection program helps ensure that your costs can be covered if you are in an accident while traveling on business for PSEA.

It can help ensure that you and your family do not suffer financially due to a covered loss while traveling on behalf of PSEA. 

You may be entitled to benefits if you meet certain requirements.  The program covers medical expenses, the loss of time from work, and the loss of life.  This coverage will extend for 365 days from the date of the accident that caused the injury.

For more information, call 800-944-7732 ext. 7024

Complimentary Life Insurance

Underwritten by Prudential Insurance

Administered by NEA Members Insurance Trust

For NEA Members:

• Offers free life and AD&D insurance to active, reserve and staff members, as well as life members who are actively employed in the field of education
• Provides four levels of coverage:  up to $1,000 of term life insurance, up to $5,000 of AD& D coverage, up to $50,000 of AD&D insurance for any covered accident that occurs while on the job or serving as an Association leader, and up to $150,000 of life insurance for unlawful homicide while on the job

Disability Insurance

Underwritten by New York Life Insurance Co.

Marketed by USI Affinity

For PSEA Members:

• Eligibility - PSEA member, under age 60, actively at work at least 30 hours per week
• Benefit periods offered to age 65 - 24 month and 12 month
• Waiting periods offered - 60, 90, 180, or 365 days
• Maximum monthly benefit - $5,000, $2,500 or $1,500 according to occupation
• Eligible for waiver of premium after collecting 3 consecutive months of disability benefits

Group Term Life Insurance

Underwritten by Prudential Insurance

Administered by NEA Members Insurance Trust

For NEA Members:

• Decreasing term life insurance
• Low monthly premiums at group discounted rates
• Flexible coverage levels from $25,000 to $300,000
• Benefits remain level until age 70
• Optional spouse/domestic partner and dependent children coverage

Guaranteed Issue Life Plan

Underwritten by Prudential Insurance

Administered by NEA Members Insurance Trust

For NEA Members:

• An economical way to supplement your existing coverage so that your surviving family members won't be burdened with any debts you may leave behind
• Guaranteed coverage for members and spouses age 45 or older
• No medical examination required, no health questions asked
• Reduced benefits during first three years of coverage

Homeowners Insurance

Underwritten by 21st Century Insurance

For PSEA Members: 

• 10% discount for insuring both auto and home
• Deductible reduced $250 after three claims-free years
• Liability coverage for children who perform odd jobs
• $500 coverage for fundraising cash or goods
• $1000 personal property coverage when used for school activities
• $1000 coverage for property at a seasonal residence
• $250 coverage to replace lost keys and locks
• $100 coverage to help you recover your pet

Hospital Care Insurance Plan

Underwritten by Hartford Life Insurance Company

Administered by March Affinity Group Services

For NEA Members:

• Will assist in covering the difference between your medical payments and actual hospital costs, as well as other costs your medical plan doesn't usually cover
• In-hospital plan provides benefits directly to participants in increments of $20 up to $120 per day
• Two plans available to members and spouses
• In-hospital PLUS guarantees acceptance* for members and spouses age 65 and above and pays up to $1,000 for hospital and/or skilled nursing

         * Subject to pre-existing condition limitations

Introductory Term Life Insurance

Underwritten by Prudential Insurance

Administered by NEA Members Insurance Trust

For NEA Members:

• $15,000 of term life insurance provided to eligible new members at no cost for 12 months
• After the initial 12-month period, members will be able to continue their coverage at low members-only rates
• No evidence of insurability required
• Program began September 1, 2008

Level Premium Term Life Insurance

Underwritten by Prudential Insurance

Administered by NEA Members Insurance Trust

For NEA Members:

• Coverage amounts of $50,000 to $300,000 are available for 10-year and 20-year terms
• Available to members and spouses
• Premium is based on member's age at time of issue
• Flexible payment options; no medical examination required

Long-Term Care Insurance

Underwritten by John Hancock Life Insurance Co.

Marketed by LTC Financial Partners

For NEA Members:

• Benefits for all types of long-term care
• Free educational seminars on long-term care service needs and insurance options
• Free access to information and ratings on over 90,000 nationwide homecare agencies, assisted living facilities and nursing homes
• Professional representatives to counsel you on coverage and benefit options
• Multiple family member enrollment discounts
• Association discount
• Tax-qualified plan

Medicare Supplement Program

Underwritten by NEA Members Insurance Trust

Administered by Marsh Affinity Group Services

For NEA Members:

• Provides extra protection by paying hospital and medical expenses not covered by Medicare
• 12 program options to choose from with no restrictive list of providers
• Highly competitive rates
• All program options are guaranteed renewable

NEA Auto Insurance Program

NEA Auto & Home Insurance Program

Underwritten by California Casualty Management Company

For NEA Members:

• Special rates for NEA/PSEA members and their families - members save an average of $400 on auto insurance
• Deductible waived for vandalism to vehicle while on or within 500 feet of school property
• Numerous discounts available - mature drivers, good students, accident free, multi-cars, and more
• Convenient payment plans including "summer skip" and "holiday skip" options
• Save up to 10% on each policy by insuring both auto and homeowners insurance
• Free Identity Theft Resolution Service to all policyholders
• 24-hour emergency claims service

NEA Homeowners Insurance

Administered by Horace Mann Insurance Company

For NEA Members:

• Home and personal property protection that offers fire and broader coverage at competitive rates
• Individually tailored plans
• Expanded educational property protection
• New home discount
• Mortgage disaster benefits

NEA Homeowners Insurance

NEA Auto & Home Insurance Program

Underwritten by California Casualty Management Company

For NEA Members:

• Convenient payment plans and special rates for NEA/PSEA members and their families
• Includes coverage of up to $3,000 for your own educational equipment and materials when used on school premises or in school activities off campus
• Discounts on newly built or renovated homes, 55+ and retired, nonsmoker and fire, and burglary safety devices
• Save up to 10% on each policy by insuring both auto and homeowners insurance
• Free Identity Theft Resolution Service to all policyholders

NEA Income Protection Plan

Administered by American Fidelity Assurance Company

For NEA Members:

• Income protection benefits for two years or to age 67
• Choice of income to be protected in $100 increments, up to 2/3 of annual salary or $6,000, whichever is less
• Choice of four waiting period options
• Minimum monthly benefit of $100 or 25% of benefit purchased

Pet Insurance

Administered by Pets Best LLC

Underwritten by Aetna Insurance Company of Connecticut

For NEA Members:

• Pets Best reimburses you 80% of the veterinarian's bill for covered services, after a deductible
• Visit any licensed veterinarian
• Plans include reimbursement for covered care from specialists and emergency services
• Wellness options are available
• Rates start as low as $19 per month