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
• 8.5% discount for online sign up
• Other discounts include Multi-Car, Defensive Drive, Mature Driver, Owning a Home, Anti-Theft, Good Student, Driver Training, Bill Plan, and Anti-Lock Brakes.
• Free roadside service such as flat tires, dead battery, towing and lockout.
• No deductible for losses incurred on school property
• No deductible for losses incurred while traveling on PSEA business
• Coverage is now available for RV's, motorcycles, ATV's, snowmobiles, boats, and personal watercraft

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

Dental & Vision Plan - PSEA Care

Provided by PSEA Health & Welfare Fund

For PSEA-Retired Members:

• The PSEA Care Dental & Vision Program is available to PSEA-Retired Members and their spouses
• Effective dates to begin program participation are January 1st and July 1st of each year
• United Concordia (UCCI) is the administrator for the dental plan
• National Vision Administrator (NVA) is the administrator for the vision plan

For complete information, contact the PSEA Health & Welfare Fund at 1-800-944-7732, ext 7024

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:

• Guaranteed coverage for members and spouses age 45 or older
• Up to $10,000 or $20,000 worth of decreasing term life insurance, regardless of your health, depending on your age
• 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
• Coverage available for Renters and Condos as well as Mobile Homes and Specialty Dwellings
• Please call 1-800-422-8830 for a quote.

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

Level Premium Term Life Insurance

Underwritten by Prudential Insurance

Administered by NEA Members Insurance Trust

For NEA Members:

• Coverage amounts of up to $1,000,000 are available for 10-year, 15-year, and 20-year terms
• Available to members and spouses
• Rate is based on member's age at the time of issue
• Premiums won't increase due to your age and benefits won't decrease for the entire term
• Flexible payment options; no medical examination required

Long-Term Care Insurance

Underwritten by Prudential

Distributed by LTCI

For NEA Members:

• Benefits for all types of long-term care
• Free educational materials on long-term care service needs and insurance options
• Professional representatives to counsel you on coverage and benefit options

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
• 10 plans 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

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

Vision Care - Opti-Vision

Provided by PSEA Health & Welfare Fund

Administered by National Vision Administrators  (NVA)

For PSEA Members:

• The Opti-Vision Program offers substantial discounts for vision care services and supplies including examinations, frames and lenses
• Members can purchase service and materials through an extensive network of ophthalmologists, optometrists and opticians
• Low annual cost - $18 a year
• Available to members on an individual basis
• Coverage is provided for the member, the member’s spouse, and dependents to age 23
• No limit to the number of visits, examinations or options

For more information, call toll free:  1-800-944-7732, ext. 7085.

Voluntary Disability Income Insurance

Underwritten by New York Life Insurance Co.

Marketed by USI Affinity

For PSEA Members:

• Eligibility - PSEA member, under age 60, residing in the U.S.*, actively at work at least 30 hours per week
• Benefit periods offered to age 65 - 24 month and 12 month plans also available
• 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

*Not available in all states.  Contact the Administrator for current availability.