NYSUT member benefits

UFT members are also members of our state affiliate, New York State United Teachers. As NYSUT members, they have access to a variety of endorsed insurance, financial, legal and shopping/travel/personal programs through NYSUT Member Benefits. The links below provide details about each item listed.

For more information, applications or brochures about any of these endorsed programs and services, please contact NYSUT Member Benefits at 800-626-8101 or visit their website. If you do not know your NYSUT member ID, you can find it on your NYSUT membership card, you can search for it on the NYSUT website or call NYSUT Member Benefits at the number above.

You're also entitled to AFT member benefits and UFT educator benefits.

Calm App

Calm is an app for a phone or tablet focusing on mindfulness practices, featuring guided meditation, calming sounds, ambient music, and sleep stories. NYSUT members can access premium content for free. From the link above, you can enter an existing user name and password, or create a new account. You will need your NYSUT ID number to access the discount (see the instructions above to find your ID).

Term Life Insurance

With this plan, you can apply for coverage up to $1 million, if under age 65, at premiums negotiated especially for NYSUT members. Reduced coverage amounts are available for members between the ages of 65 and 84. At age 65, benefits decrease; at age 70, coverage is limited to $20,000 or less. One low premium covers all of your dependent children under the age of 23.

Level Term Life Insurance

This program allows members and their lawful spouses (or certified domestic partners) to apply for coverage up to $1 million for either 10, 15 or 20 years. Your age determines the length of term 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.

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 also 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 accumulation of cash value at age 95 as you choose. You must be age 70 or under to apply.

Personal Property & Liability Insurance

Enjoy special member rates on insurance coverage for your vehicle, home, condo, apartment, boat, mobile home (New York State only), snowmobile, motorcycle, fire, landlord’s rental dwelling, and personal excess liability (umbrella). Coverage is available in all 50 states. Various discounts may apply.

Disability Insurance

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 & Dismemberment (AD&D) Insurance

The NYSUT Member Benefits Trust provides and administers this benefit to all members at no charge. 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. This benefit includes travel assistance services provided by Europ Assistance at no cost that focus on providing coordination services to travelers.

Mortgage Discount Program

Are you looking to purchase a new home? Do you want to lower your mortgage payment or are you considering a home improvement project? NYSUT members can save up to $2,700 in lender fees and closing costs with the UnionDirect Mortgage Discount Program presented by Mid-Island Mortgage Corp., along with enjoying the following: no application or processing fees; no commitment fees; no underwriting fees; no lender or broker fees; reduced attorney & title fees.

Other endorsed plans available include: