NEA Member Benefits: Stretching Your Retirement Dollars 2015 Annual UEA Retired Meetings

Credit Cards Solutions for Retirees NEA ® Cash Rewards Card The NEA ® Cash Rewards Card allows you to earn cash back on your purchases automatically. NEA Credit Card SM with World Points ® Rewards The NEA Credit Card with World Points rewards—the card that makes a difference every time you use it. Sign up today and get a $100 statement credit. NEA ® Accelerated Rewards ® American Express ® Card This card offers everything you could want in a card: a competitive rate, purchasing power and rewards, plus special offers from participating merchants. NEA Rate Smart ® Card Members, are you looking for a competitive interest rate? Make the smart choice. The NEA Rate Smart ® MasterCard ® credit card is packed with great features! ► To apply by phone, call and mention source code VABTY3. (Mon-Fri 9:00 a.m. - 9:00 p.m.) 2

NEA ® Retiree Health Program ► Benefits automatically increase to cover Medicare’s gaps ► You choose the doctors and hospital you want ► Competitive rates ► Spouse coverage available ► No waiting period if you switch from another plan Lower Group Rates The NEA Plan’s rates average at least 15% lower than the nation’s most popular Medicare supplement program. Freedom of Choice The NEA Plan is not an HMO. It gives you the freedom to choose your own doctor or hospital to whom benefits can be paid. Eligibility As long as you’re at least age 65, an NEA member (or her/his spouse or domestic partner), and covered by Medicare parts A & B, you are eligible to enroll in any one of the Plan Options. During open enrollment periods and when you enroll in Medicare Part B for the first time, you do not have to answer any medical questions for enrollment in any Plan Option. You cannot be turned down for health reasons! 3

NEA Long-Term Care Program Protect your family and your retirement saving ► You’ve planned for retirement, but do you have a long-term care plan to protect your children and your savings? ► If due to illness or dementia, you need assistance with daily activities like bathing, dressing and eating, long-term care insurance pays for caregivers to come to your home to help. ► By the time you turn 65 there’s a 70% chance you’ll need long-term care at some point.* This care is not covered by health insurance or Medicare. ► You can help protect your independence and preserve your savings by getting NEA Long-Term Care coverage. ► Free long-term care needs assessment ► Discounted group pricing ► Available to members, their spouses, parents and children ► Covers staying in your own home or a nursing home ► Call an NEA Long-Term Care Advisor now at for expert advice and your FREE needs assessment, or visit the Long-Term Care Resource Center for more information.Long-Term Care Resource Center 4

NEA Training Choice Hearing Benefits NEA Hearing Aid Program With your NEA member discount you can now save 20% to 50% off the average local retail prices of name-brand, high-tech hearing aids. NEA members who purchase through this program save an average of $2,000 on a pair of premium, doctor-recommended hearing aids. Open to all NEA Members and their families Member and immediate family (including parents) may participate. Many name brand Hearing Aids are available including; Siemens Phonak Oticon Widex NEA Exclusive Benefit: 80 free hearing aid batteries (1 year supply). If hearing test completed within last 6 months, no new test required. 45 day trial period, satisfaction guarantee. Full Factory warranties Loss and damage coverage available. 5

NEA Dental and Vision Program ► Great Coverage: Including preventive care like routine exams and cleanings, plus dental procedures such as crowns and implants. ► Freedom of Choices: The ability to visit any licensed dental professional or save or save the most money by visiting one of the more than 200,000 credentialed PPO dentist locations nationwide. ► Hassle-free Benefits: PPO participating dental offices complete and file claims for members, so they don’t deal with paperwork or wait for reimbursement. ► Generous Annual Maximum: Options for maximum that increases over a three-year span. ► Special Retiree Plan Option: For members 55+ with a generous $1,200 annual maximum. ► Vision Coverage: Plan Options to add vision coverage for one affordably bundled price. Please visit neamb.com under the insurance tab or call 1(800)

NEA Identity Theft Protection Program powered by LifeLock : Don’t let identity theft become a teachable moment You work hard to help protect what’s important–your family, your home and all the dreams they represent. Help make sure you’re also protecting the finances that back these dreams and provide for your future. NEA is helping protect you with the NEA Identity Theft Protection Program powered by LifeLock, a leader in identity theft protection. NEA members will get 30 days of LifeLock identity theft protection at no- cost* and receive 10% off LifeLock ® membership. DETECT- We monitor over a trillion data points, searching for identity threats ALERT- Alerts are sent through the patented LifeLock Identity Alert system. RESTORE- If your identity is ever compromised, our Certified Resolution Agents will handle your case every step of the way. 7

► What is pet insurance? Pet insurance helps you pay expensive veterinary bills, so your pet can receive the recommended care they deserve. ► How does pet insurance work? Pet insurance is a reimbursement policy. You choose a reimbursement percentage from 70% up to 100%, and pair it with your desired deductible amount to create a plan that works with your budget. ► What’s covered? Accidents and illness coverage from Pets Best reimburses you for many common procedures and illnesses such as: ► X-rays ► Lab tests ► Surgeries ► Cancer ► Exams ► Prescriptions ► Emergency visits ► and more... 8 NEA Pet Insurance Program

Now you can earn more than the National Average 1 when you open an NEA ® Certificate of Deposit Account through Discover Bank. FDIC-insured, this valuable member benefit offers you: Exclusive $20 bonus for each new account type you open each year (excludes IRAs) 2 CD rates that have consistently exceeded the National Average 1 Flexible terms from 3 months to 10 years Convenient renewal options at maturity Option to reinvest interest or transfer money to another Discover Bank account Open an account starting with $2,500 To open by phone, call (Mon-Fri: 8 a.m. - 8 p.m. ET) 9

NEA Car Rental Programs Get VIP savings on your next special getaway Just visit neamb.com for the rental car codes. ► Alamo Rent A Car Alamo Rent A Car Take advantage of our NEA member discount at Alamo Rent A Car. Enjoy no daily mileage limits and no charge for a second driver at most locations. ► Dollar Rent A Car Dollar Rent A Car Use your NEA member discount to save 5% when you rent your next car from Dollar. ► Enterprise Rent–A–Car Enterprise Rent–A–Car NEA members receive a 5% discount on car rentals from Enterprise, which has over 6,000 rental locations across the U.S. Convenient free pickup and return. ► Hertz Rent a Car Hertz Rent a Car NEA members can save on car, SUV, and minivan rentals from Hertz at the airport and in your neighborhood. Hertz Gold Plus Rewards are free for NEA members. ► National Car Rental National Car Rental Along with your member discount, you get unlimited mileage, coupon offers and 24- hour emergency roadside assistance. 10

► Trafalgar, a global leader in creating guided vacations highlighted by local insights, offers NEA Members and their travel companions an exclusive discount on the land price of your trip. ► Traveling with Trafalgar means: ► Over 67 years of experience put to work to create one-of-a-kind journeys with special Insider moments ► Attractive discounts for early payment, young travelers, repeat travel, groups, and special limited-time deals ► Over 230 worldwide itineraries to choose from across Europe, North and South America, Asia, Australia and New Zealand ► A variety of vacation styles to fit the way you like to travel Members receive an additional 10% discount. Please call and provide promotional code 14NEA10 to learn more. 11

NEA Magazine Service ® More than 900 magazines at up to 85% off the cover price ► Visit our website or call the NEA Member-Only toll-free number ( YOURMAG) to ask questions and place orders. There is no obligation to purchase anything at any time. ► Choose from selections covering news, sports, fitness, entertainment, hobbies, family and education—we have the magazines you’re looking for—at the guaranteed lowest introductory price available! ► Buy magazine subscriptions now, pay later. No credit card required for purchase. ► Premium customer service. Live online and offline service. Call, write or . ► Educational magazine discounts. Special deals for students and educators on our most popular magazines. ► Lowest magazine price guarantee. Up to 85% off magazines. Check out our Discount Magazine Triple Guarantee! 12 Please go to to claim your 2 FREE subscriptions

NEA Click and Save Program Our most popular discount program for NEA members and their families. This exclusive shopping service offers savings on brand name merchandise from hundreds of top retailers, online stores, and local merchants. Save on clothing, electronics, restaurants, jewelry, movie tickets and more! Great Savings Have Never Been Easier! Take advantage of hundreds of exclusive offers available every day through NEA Click & Save. Just register or sign in to start shopping! New offers are added every day—from cell phones to Disney Cruises—and you can set reminders for your favorite merchants so you’ll be notified in advance of upcoming sales and discounts. Overwhelming Offers: Black Friday Deals, Every Day! Planning a trip and need a great rate on a hotel? Looking for a big discount on the latest gaming console? These deep, limited discounts change every day. You never know what you’ll find—don’t miss out! Share the Savings with Your Friends and Family Give the gift of NEA Click & Save to your friends and family. Click & Save members can invite 4 friends to join. Just register or sign in and click on the “Invite a Friend” button. 13

14 Starting OutBuilding Your Nest Egg Approaching Retirement Enjoying Retirement × Where are you on your path to retirement? Learn about the challenges & opportunities you may face at each stage. Where to Start?

And More Services for Utah Retired Members ► Auto & Home Insurance ► Auto Buying Services ► Student Loans ► Personal Loans ► Debit Cards Pre-Paid ► Home Mortgages ► Costco/Everyday Discounts ► Flowers ► Useful Calculators ► Movie Tickets ► Theme Park Tickets | 15

How do I start to save? Visit neamb.com and register using your . Remember to use the your local has on file and begin the savings. 16

Resource Page NEA Member Benefits Affiliate Relations Specialist Antonio Galindo 1 (800) Toll Free Number Cell (702)