Nase2008 Premiere Benefits Guide

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  • … that’s all to help prospective members by-in to the belief in the NASE and what it can do for their micro-business

Transcript

  • 1. for your micro-business 2008 Premier Membership FOR FSR USE ONLY. DO NOT USE IN MASSACHUSETTS. DUPLICATION AND/OR DISTRIBUTION ARE PROHIBITED. ASSOCIATION BENEFIT AVAILABILITY IS SUBJECT TO CHANGE WITHOUT NOTICE AND MAY VARY BY STATE AND MEMBERSHIP LEVEL. 01/2008
  • 2.
    • The National Association for the Self-Employed (NASE) is the nation’s leading resource for micro-business. Those who join the association discover a broad range of benefits that help the smallest businesses thrive and succeed.
    • The NASE was founded in 1981 as an organization that offers support, benefits and consolidated buying power. Today, the NASE is 250,000 members strong, and is the largest nonprofit, nonpartisan association of its kind.
    About the NASE NEXT
  • 3.
    • The association helps entrepreneurs successfully meet the
    • challenges of managing and growing their businesses by:
    • Securing focused tools and resources that help them manage and compete more effectively
    • Representing the interests of micro-business among legislators in Washington, D.C., on key issues that affect their business and that give these businesses more equal footing with larger corporations
    • Providing access to benefits that promote the health and financial security of micro-business owners
    About the NASE NEXT
  • 4. Business Benefits Featured Business Benefits Association 105 ® HRA ADP Payroll and Small-Business Services Identity Theft 911 ® Professional Consulting E-Commerce Legal Club - Small-Business Plan Business Development Grants Home Office Protection
  • 5.
    • Premier tax-savings program for small businesses
    • Offered at no additional charge during your first year of membership
    • Qualifying members can deduct up to 100% of their health insurance premiums and 100% of their non-insured medical expenses from state, federal and self-employment taxes
    • Association 105 HRA members save an average of over $3,800
    • in taxes per year
    • Do you and your business qualify?
        • Are you self-employed and married?
        • Does your spouse help in the business, even part time?
        • Do you pay for all or some of your family medical expenses?
    Association 105 ® HRA Back to Featured Business Benefits
  • 6.
    • The nation’s largest and oldest payroll company specializing in the smallest of businesses
    • Payroll Services: W2 processing, Income Tax filings, check processing, and more!
      • 20% discount with your NASE Membership
    • HR Help Services: Live HR consultants on staff to answer any state HR questions members may have
    • Worker’s Compensation Insurance: Simplify the administration of your workers compensation policy using ADP’s Pay By Pay insurance service
    • Retirement Services: Need a retirement vehicle for your small business? ADP has many retirement solutions suited for your needs.
    ADP Payroll and Small-Business Services Back to Featured Business Benefits
  • 7.
    • NASE Premier Members have access to the expert identity theft resolution services at no additional cost
    • Identity Theft 911 Resolution Services include:
      • Unlimited toll-free access to a personal advocate
      • Notification to credit bureaus, creditors, collection agencies, etc.
      • Assistance in filing a police report, creating a fraud victim affidavit and creating a comprehensive case file for investigative and claims-handling purposes
      • A 3-in-1 credit report and one year of credit monitoring
      • One year of fraud monitoring
      • A full year of active follow-up
      • And more
    Identity Theft 911 ® Back to Featured Business Benefits
  • 8.
    • Unlimited access from professional consultants at no additional cost.
    • No matter what your specific need is, help is just a call or keystroke away.
        • General small business – ShopTalk 800 ®
        • Taxes – TaxTalk
        • Estate planning – EstateTalk TM
        • Accounting and Finance – ABCs of Finance
    Professional Consulting Back to Featured Business Benefits
  • 9.
    • Create an online store to market your micro-business and products on the World Wide Web
    • Fully-functioning electronic commerce store
    • 12 months of Web hosting included in the cost of your Premier Membership
    • And much more
    E-Commerce Back to Featured Business Benefits
  • 10.
    • The small-business plan provides access to a legal expert for consultation and representation.
    • These attorney-provided services are included for no additional charge (retail value $290):
      • Monthly review by a plan attorney of up to five documents (10 pages each)
      • Two initial phone calls per month made on behalf of your business
      • Up to 10 initial collection letters per month
      • Consultation for each new legal matter (30-minutes each)
    • Capped hourly rate of $89 for out-of-court matters; $109 in court
    • Some restrictions apply
    Small-Business Legal Plan Back to Featured Business Benefits
  • 11.
    • Need access to more capital? The NASE wants to help grow your business
    • Business development grants worth up to $5,000 are available to Premier Member
    • Members must complete a simple application process and are selected on need and strategy
    • Over $200,000 has been awarded to members just like you.
    Business Development Grants Back to Featured Business Benefits
  • 12.
    • Coverage, included in your Premier membership , provides extra
    • protection of your home office.
    • Home Office-Business Equipment:
      • $7,500 per occurrence ($1,000 maximum per item with some special limits)
      • $1,000 for electrical equipment per policy period
      • $250 for tools per policy period
      • $250 deductible per occurrence
    • Temporary Business Relocation:
      • Up to $500 for temporary relocation of your Home Business
      • Maximum of $250 per month
    • Liability:
      • $20,000 Business Liability Coverage (at residence)
    • Coverage is excess and is subject to limitations and exclusions.
    Home Office Protection Back to Featured Business Benefits
  • 13.
    • A-Systems Accounting Software – Save 50% off the retail price
    • Background Screening Services - receive up to 50% off traditional market
    • prices on pre-employment background screening services
    • BizFilings – Save $20 - $60 on incorporation services
    • Burns Graphics – Save 10% - 30% on printing and promotional products
    • Business Insurance – General liability programs to help protect your
    • micro-business
    • Credit & Debit Card Processing – $295 enrollment fee waived, low processing
    • rate of 1.67% for most businesses
    • Credit Cards – Low-rate credit cards to help manage your business
    • DHL Express – Save up to 26% over other overnight carriers
    • E&O Coverage – Professional errors and omissions coverage at affordable rates
    Additional Business Benefits NEXT
  • 14.
    • Fast Collect – Reduce the number of bad checks received by 30% with this
    • discounted electronic check recovery system
    • Freight Savings Program – Save on freight cost with a one-time, discounted
    • lifetime fee of $25 – a $125 savings
    • Micro-Business Resources – Available at www.NASE.org , at no additional cost
    • MyNASE eLetter – Set-up your free NASE Web account and discover the
    • difference the NASE makes
    • National Credit Systems - An easy and effective method for collecting on
    • delinquent accounts – you keep 100% of the money collected
    • Penny-Wise Office Products – Receive exclusive savings on over 40,000 items
    • Pitney Bowes – Make mail processing faster and more efficient for your small
    • business
    Additional Business Benefits NEXT
  • 15.
    • PowerNet Global – Low-rate telecommunication services to fit your needs,
    • call and compare
    • QuickBooks ® – Save 20% on QuickBooks products plus members receive
    • free shipping
    • SamplePay ® – Reduce your payroll cost by as much as 70% - only $120 per
    • year for Association 105 customers
    • Self-Employed Magazine – Your bi-monthly member magazine included in
    • the cost of membership
    • TaxCentral – Unlimited access to tax information included in the cost of
    • membership
    • TurboTax Online – Makes filing taxes easy. Members receive a 15% discount
    • Web Services – Special rates for Web site development and hosting and Web-to
    • print direct mail services
    Additional Business Benefits Back to Featured Business Benefits
  • 16. Lifestyle Benefits Featured Lifestyle Benefits Accidental Death Benefit Life Insurance Scholarship Programs Motor Plan Shopping Mall Coupons Member Rewards
  • 17.
    • For no additional cost , your NASE Membership provides you and your
    • family members with Accidental Death Benefits
    • The coverage will terminate on the earliest of the following dates: for Principal Members, Spouses and Dependents,1) the
    • date this Policy is terminated; 2) the premium due date if premiums are not paid when due; Or 3) the date the Insured
    • ceases to be a member or any eligible class(es) of persons as described in the Classification of Eligible Persons section of
    • the Declarations section of this Policy. Termination of coverage will not affect a claim for a covered loss that occurred while
    • the Insured’s coverage was in force under this Policy.
    • Insurance coverage underwritten by National Union Fire Insurance Company of Pittsburgh, PA, a member of the AIG
    • Companies®. The preceding is only meant to be a brief summary and is not a contract. LIMITATIONS AND EXCLUSIONS
    • may vary by state. Specific details may be found in the actual contract (Master Policy Form SRG 911 1245.) For a copy of
    • the Policy, contact the NASE.
    Accidental Death Benefit Back to Featured Lifestyle Benefits $10,000 $2,500 Dependent Children $10,000 $10,000 Spouse $30,000 $20,000 Principal Member Common Carrier Accidental Death Premier Benefits
  • 18.
    • Your NASE Premier Membership provides you and your family with
    • Basic/Dependent term Life Insurance Coverage from MetLife for no
    • additional cost.
    • Member’s Basic/Dependent Term Life Insurance Coverage includes:
    • Member $12,000
    • Spouse $ 2,500
    • Dependent Children* $ 500
    • * Child(ren) Eligibility: Dependent children ages 14 days to 19 years old, or 23 years old if a child is a full-time
    • student, are eligible for coverage. Coverage begins 61 days after membership effective. Member coverage provided
    • until age 60. At age 60 benefits reduce 75% and then cancel at age 65. Coverage which is terminated is subject to a conversion option.
    Life Insurance Back to Featured Lifestyle Benefits
  • 19.
    • Open to legal dependents of NASE Members at no additional cost.
    • NASE Future Entrepreneur Scholarship – up to $24,000 Award
      • The NASE Future Entrepreneur receives a $12,000 scholarship the first year and $4,000 per year for the next three years as eligible towards college costs
    • NASE Scholarships - $4,000 Award
      • Open to legal dependents of NASE Members, ages 16-24. To apply, students need to be high school students or college undergraduates planning to enroll in college in the fall semester.
    Scholarship Programs Back to Featured Lifestyle Benefits
  • 20.
    • Included in the cost of your Premier membership
    • Call to register your spouse and dependents at no extra charge
    • Emergency Road Service** provides up to $100 of coverage if your car breaks down or for other services such as:
      • Towing
      • Battery boosting
      • Key replacement
      • Winching services
      • Gasoline delivery
      • Unlocking
      • Tire changes
      • On site parts delivery/installation
    • ** The Emergency Road Service benefit does not provide for the cost of a tire, battery, parts or gasoline. Road service
    • for truck-sized needs is limited to single rear-axle trucks.
    Motor Plan Back to Featured Lifestyle Benefits
  • 21.
    • Coupons for the national retailers you shop at regularly!
    • Find the best available promotional offers
    • Create custom printable offers for your favorite stores
    • Print coupons to take to the store, or shop online!
    Shopping Mall Coupons Back to Featured Lifestyle Benefits Additional Lifestyle Benefits
  • 22.
    • Included in the cost of your Premier membership
    • Earn rewards just for being an NASE Premier Member.
      • Initial Rewards Cash Balance of $250 is deposited when members register online
      • Additional $50 in Rewards Cash for every month of current membership
    • Use Rewards Cash to help save on hotels, magazines, DVD movies, movie tickets, software, airline offers, restaurant offers and more!
    • Make selections, view your account history and check your balance at anytime at www.NASE.org.
    Member Rewards Back to Featured Lifestyle Benefits
  • 23.
    • 1-800-flowers.com – Save 15% on all orders; gift baskets, gourmet snacks,
    • beautiful flowers and plants
    • Amusement Parks – Enjoy savings at select amusement parks across the nation
    • Auto Coupon Book – For only $8 per booklet, save on all your auto maintenance,
    • repairs and purchases
    • Auto Insurance – Special program rates through Nationwide. Not available in AK,
    • HI, LA, MA, NJ, NM
    • Budget Rent-a-Car – Save 5% - 20% off standard daily, weekly, or weekend rates
    • Enterprise Rent-a-Car – Receive up to 10%* off standard daily rates
    • Golf Discount Directory – National Golf Network (NGN) directory only $2.99 each
    Additional Lifestyle Benefits NEXT
  • 24.
    • Grocery Coupons – $1,000 coupon book to select coupons you want for name
    • brand products you use. One coupon book a year is included in the cost of
    • the Premier Membership.
    • Hertz – Save up to 10% off standard daily, weekly and weekend rates
    • Hotel Access Card – Included in the cost of your Premier Membership. Save
    • up to 50% off rack rates at hotels nationwide
    • Hotel Savings Program – Save 10% off the “Best Available Rate” at thousands
    • of hotels nationwide
    • Legal Club Of America – Family Legal Services – For only $59.95 per year
    • provides access to free and discounted legal services for you and your family.
    Additional Lifestyle Benefits Back to Featured Lifestyle Benefits
  • 25.
    • Mortgage Lending-Countrywide ® – Up to $500 off closing costs for
    • NASE Members
    • Movie Tickets – Discounts on AMC Theaters and Regal Entertainment
    • Pet Insurance – A variety of coverage, from accident to
    • comprehensive illness
    • PODS – Save 10% on initial delivery and first month storage
    • Real Estate Transaction Savings – Receive a 20% rebate on
    • commission when buying or selling
    Additional Lifestyle Benefits Back to Featured Lifestyle Benefits
  • 26. Health Benefits Featured Health Benefits CAREINGTON Advantage Card Dental Discounts Hospital Advantage Card Hospital Confinement & ER Benefits Critical Illness Assist America ® TelaDoc™ Association Rx Card Health Insurance Access
  • 27. CAREINGTON Advantage Card
    • To help offset the high cost of health care, many people are turning to
    • medical fee reduction programs for relief. Simply select the program that is
    • right for you and your family.
            • Physician Access Program – $15 per month
            • Plan A – $15 per month
            • Plan B – $25 per month
    • A few important facts:
    • Your membership cards and materials will be sent separately from your NASE membership materials.
    • Your CAREINGTON Advantage Card must be presented at each participating provider’s office visit
    • HOSPITAL CHARGES ARE NOT INCLUDED IN THIS PROGRAM
    • This program cannot be used in conjunction with other discount plans or programs
    • Please note that this is not health insurance and we do not make payments directly to medical services providers. It is discount program, and you are
    • obligated to pay for all health care services. You will receive discounts for medical services at certain health care providers who have contracted with
    • the plan. This plan is administered by CAREINGTON International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. The program and its
    • administrators have no liability for providing or guaranteeing service or the quality of service rendered. Note to Utah residents: this contract is not
    • protected by the Utah Life and Health Guaranty Association.
    • THIS IS A DISCOUNT PROGRAM AND IS NOT INSURANCE. DISCOUNTED FEES ARE DUE AT TIME OF SERVICE.
    • Discounts on professional services are not available where prohibited by law. Not available in MT, VT.
    NEXT
  • 28. CAREINGTON Advantage Card Physician Access Program - $15 per month This specific program is designed to save 20% - 45%* on provider services provided at a network of family practice and specialty providers nationwide. Members can save on everything from doctor’s visits to mammograms and lab work. Physician Access Program members saved an overall average of 40% in 2007. *Percentage of savings may be higher or lower depending on procedure codes and provider location. Plan A - $15 per month The Plan A program can save you hundreds and even thousands of dollars when visiting network providers for ancillary health care services such as: - Dental – 20% - 60% savings - Chiropractic – 10% - 30% savings - Diabetic – 20% - 40% savings - Alternative Medicine –10% - 30% savings - Long Term Care – 5% - 30% savings - Vitamins and Supplements – 25% savings - Vision – 15% - 45% savings - And more. . . Plan B - $25 per month The Plan B program broadens your savings by combining the Physician Access Program and ancillary programs of Plan A into one medical savings card program. Back to Featured Health Benefits
  • 29. CAREINGTON Advantage Card Physician Access Program - $15 per month This specific program is designed to save 20% - 45%* on provider services provided at a network of family practice and specialty providers nationwide. Members can save on everything from doctor’s visits to mammograms and lab work. Physician Access Program members saved an overall average of 40% in 2007. *Percentage of savings may be higher or lower depending on procedure codes and provider location. Plan A - $15 per month The Plan A program can save you hundreds and even thousands of dollars when visiting network providers for ancillary health care services such as: - Dental – 20% - 60% savings - Chiropractic – 10% - 30% savings - Diabetic – 20% - 40% savings - Alternative Medicine –10% - 30% savings - Long Term Care – 5% - 30% savings - Vitamins and Supplements – 25% savings - Vision – 15% - 45% savings - And more. . . Plan B - $25 per month The Plan B program broadens your savings by combining the Physician Access Program and ancillary programs of Plan A into one medical savings card program. Back to Featured Health Benefits
  • 30.
    • Save 20% - 60% on virtually all dental procedures
    • Access to over 78,000 providers nationwide
    • No limits on the number of visits
    • Procedures range from cleanings and fillings to root canals and crowns
    • Orthodontics available for both children and adults
          • Individual Program – $8 per month
          • Family Program – $12 per month
    • Please note that this is not health insurance and we do not make payments directly to medical services providers. It is a
    • Discount program, and you are obligated to pay for all health care services. You will receive discounts for medical services
    • at certain health care providers who have contracted with the plan. This plan is administered by CARE INGTON International
    • Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. The program and its administrators have no liability for providing or
    • guaranteeing service or the quality of service rendered. Note to Utah residents: this contract is not protected by the Utah
    • Life and Health Guaranty Association.
    • THIS IS A DISCOUNT PROGRAM AND IS NOT INSURANCE. DISCOUNTED FEES ARE DUE AT TIME OF SERVICE.
    • Discounts on professional services are not available where prohibited by law. Not available in MT or VT.
    Dental Discounts Back to Featured Health Benefits
  • 31.
    • Hospital stay negotiation services
    • Save up to 50%* at hospitals located all over the U.S.
    • Join for only $15 per month
    • The Hospital Advantage Card materials will be sent separate from your NASE Welcome Package
    • Not available in Maryland, Montana, Vermont or West Virginia
    Hospital Advantage Card Back to Featured Health Benefits Negotiated fees are based on services from December 2006 through March 2007. Negotiations vary by location and procedure. THIS IS NOT INSURANCE . This is a hospital negotiation service. You are responsible for paying all fees in advance prior to service. This plan is administered by CARE INGTON International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. Not available in all states including Montana, Vermont, West Virginia and Maryland.
  • 32. Hospital Confinement & ER Insurance coverage underwritten by National Union Fire Insurance Company of Pittsburgh, PA, a member of the AIG Companies®. The preceding is only meant to be a brief summary and is not a contract. LIMITATIONS AND EXCLUSIONS may vary by state. Specific details may be found in the actual contract (Master Policy Form SRG 911 1245). For a copy of the Policy, contact the NASE. Included in the cost of your Premier membership , this benefit will automatically provide you with protection in the event of unexpected accidents or illnesses. Back to Featured Health Benefits Upon ER Admission 2 nd Overnight Stay 1 st Overnight Stay Benefit begins Per ER Visit 10 days 180 days Max. days per year $750 No Coverage $100/day Dependent Children $750 No Coverage $200/day Spouse $750 $300/day $300/day Principal Member ER Benefit (fractures & dislocations only) Hospital Confinement Illness Hospital Confinement Accident Premier Benefits
  • 33. Critical Illness
    • Helps your family and business by providing some financial assistance in the event that you suffer one of the following serious medical conditions:
        • Cancer
        • Heart attack
        • Stroke
        • Kidney failure
        • Bone marrow and organ transplants
    • Receive payment of up to $1,000 in each of three different disease categories.
    Back to Featured Health Benefits The terms and conditions will be defined by an insurance policy. The policy contact definitions of coverage, limiations and exclusions. The preceding is only meant to be a brief summary and is not a contract.
  • 34.
    • The following benefits are available to NASE Members at no additional cost when traveling 100 or more miles from home:
      • Medical Consultation
      • Hospital Admission Guarantee
      • Emergency Evacuation
      • Medically Supervised Repatriation
      • Prescription Assistance
      • Compassionate Visit
      • Many other services are available, including emergency trauma counseling, care for minor children, legal referrals, return of mortal remains and more
      • Note: Any services not arranged by Assist America will not be paid or reimbursed.
    Assist America ® Back to Featured Health Benefits
  • 35.
    • TelaDoc is a network of board-certified licensed primary care physicians who diagnose routine, non-emergency, medical problems; recommend treatment and prescribe medication (when appropriate) over the telephone 24 hours a day, 365 days a year.
        • Included in the cost of the Premier membership
        • Physicians diagnose and prescribe medication when appropriate
        • Physician updates your medical file based on any reported changes
        • Prescriptions phoned into your local pharmacy
        • Access to FREE portable Electronic Health Record with HIPAA compliant secure servers
    • *TelaDoc services are currently not available in Oklahoma or South Carolina.
    TelaDoc™ Back to Featured Health Benefits Additional Health Benefits
  • 36.
    • Access to a pharmacy program designed to save you time and money.
    • The Association Rx Card is accepted at over 43,000 pharmacies
    • throughout the United States.
    • This program offers four tiers of savings:
        • Tier I - Preferred Generic Drugs – up to $10 payment
        • Tier II - Preferred Brand Name and Generic Drugs – up to $20 payment
        • Tier III - Preferred Brand Name and Generic Drugs – up to $50 payment
        • Tier IV - Brand Name Drugs with Special Network Pricing
    • Choose the plan that’s right for you:
        • Individual - $13.95 per month
        • Family - $23.95 per month
    • THIS IS A SAVINGS PROGRAM AND IS NOT INSURANCE. FEES ARE DUE AT TIME OF SERVICE. Administered by
    • Rx Options, Inc., 2181 E. Aurora Road, Suite 201, Twinsburg, OH 44087
    Association Rx Card Back to Featured Health Benefits
  • 37.
    • Enroll for only $4 per month
    • Offers the lowest prices on prescriptions drugs at the time an order is placed
    Neighborhood Pharmacy Card Back to Featured Health Benefits THIS IS A DISCOUNT PROGRAM AND NOT INSURANCE. You are responsible for paying all fees at time of service. Not available in all states. Administered by Caremark, Inc., 7034 Alamo Downs Parkway, San Antonio, TX 78238. THIS IS A DISCOUNT PROGRAM AND NOT INSURANCE. You are responsible for paying all fees at time of service. Not available in all states. Administered by Caremark, Inc., 7034 Alamo Downs Parkway, San Antonio, TX 78238.
  • 38.
    • Included in the cost of your membership
    • Access to savings on prescriptions by mail
    • No deductibles
    • No annual maximums
    • No drug exclusions
    • No claim forms to file
    • Order refills via phone or online
    • Enjoy the convenience of medication delivered right to your door
    Mail Service Pharmacy Back to Featured Health Benefits THIS IS A DISCOUNT PROGRAM AND NOT INSURANCE. You are responsible for paying all fees at time of service. Not available in all states. Administered by Caremark, Inc., 7034 Alamo Downs Parkway, San Antonio, TX 78238.
  • 39.
    • Health Connection – save 20% - 60% on fitness clubs, self-help programs and
    • alternative medicine
    • Lab, Diagnostic and Imaging – save 40% - 70% on virtually all lab work and
    • imaging procedures
    • Vision Discount Plan* – save up to 40% on all your eye care needs
    • *THIS IS A DISCOUNT PROGRAM AND IS NOT INSURANCE. DISCOUNTED FEES ARE DUE AT TIME OF SERVICE. You are responsible
    • for paying all fees at time of service. Not available in all states. Vision Discount Plan is administered by EyeMed Vision Care, LLC, 4000
    • Luxottica Place, Mason, OH 45040.
    Additional Health Benefits Back to Featured Health Benefits
  • 40.
    • The #1 most requested benefit
    • Securing affordable health insurance is a top priority for micro-business owners.
      • Freedom of choice in selection of doctors and hospitals
      • Choose from many plan options to enhance your coverage
      • Optional benefits such as dental, visions and Rx plans
    • Association membership requirements vary by state. Association group plans, where
    • available, require membership. Underwritten by The MEGA Life and Health Insurance Company, Mid-West National Life Insurance Company of Tennessee, and the Chesapeake Life Insurance Company, subsidiaries of HealthMarkets ® .
    • Administrative office are located at North Richland Hills, TX. Exclusions and limitations apply. Plans vary by state. MEGA is licensed in all sates except New York (25875, 25876, 25877, 26025, 26026 or state variation); Mid-West is licensed in all states except ME, NH, NY, VT, (MW-25906, MW-25907, MW-25939 or state variation); Chesapeake is licensed in all states except NY, NH, VT (CH-25907-IP, CH-25939-IPNH.) The companies’ market and plan availability varies by state. Optional benefits require additional premium. ASSO000148 Exp. 12/08
    Health Insurance Access Back to Featured Health Benefits