UFT members are also members of our state affiliate – New York State United Teachers. As NYSUT members, you have access to a variety of endorsed insurance, financial, legal, and shopping/travel/personal programs available through NYSUT Member Benefits.
For more information, applications or brochures about any of these endorsed programs & services, please visit the Member Benefits website or call (800) 626-8101.
Level Term Life Insurance
This program allows NYSUT members and/or their lawful spouse (or certified domestic partner) to apply for coverage up to $1 million for either 10, 15 or 20 years. Your age determines the length of term that you may apply for under the coverage. Applicants must be under age 55 to be eligible for the 20-year plan, under age 60 for the 15-year plan and under age 65 for the 10-year plan.
Term Life Insurance
This program offers up to $1 million of group-rated term life insurance. Coverage can be purchased by you and/or your lawful spouse (or certified domestic partner); dependent child coverage can be added. An accelerated death benefit is available for terminally ill insureds up to age 70. If you are between the ages of 65 and 84, you are eligible to apply for, or continue with, up to $30,000 in coverage – depending on your current age. The plan provides decreasing term coverage to age 85. Benefits decrease as age bands increase.
WrapPlan II Universal Life Insurance
This group universal life insurance plan offers you a way to plan for the continuing need for life insurance coverage, while taking advantage of the term life insurance that you already have. This program allows you to purchase life insurance coverage that increases as your term life coverage decreases or terminates. Premiums may be set at a level to produce as much or as little accumulated cash value at age 95 as may be desired. You must be age 70 or under to apply.
Personal Property and Liability Insurance
Policies include auto, homeowners, condo, renters, boat, personal excess liability, mobile home (New York State only), snowmobile, motorcycle, fire (for rental properties) and landlord package. Coverage is available in all 50 states. Various discounts may apply.
This program provides valuable income replacement benefits to help meet your living expenses if you become partially or totally disabled and are unable to work. Disability insurance can be customized to fit within your budget and still provide peace of mind until you are able to return to work. Long-term, five-year or short-term disability insurance plans are available.
Legal Service Plan
This plan provides unlimited toll-free legal advice; a simple Will, Health Care Proxy, Living Will, and Power of Attorney; guaranteed maximum fees for many personal legal matters; and legal assistance at discounted rates throughout the continental United States. The plan can provide assistance with identity theft, debt consolidation and mortgage foreclosure issues. Optional Elder Law and Business Protection Riders are available.
No-Cost Accidental Death and Dismemberment Insurance
NYSUT provides this benefit to all members at no charge; Member Benefits administers this program for NYSUT. You are automatically insured for up to $1,500 in the event of death or dismemberment resulting from accidental injuries; the maximum benefit amount for AD&D for a Common Carrier is $3,000 in the event of death or dismemberment resulting from accidental injuries. You don’t need to designate a beneficiary; the blanket policy provides for payment of death benefits to next of kin or estate.
Also provided with the AD&D Insurance is Europ Assistance to provide referrals to help insureds locate appropriate medical care while traveling. Europ Assistance will assist members in making necessary arrangements but will not provide payment for any services.