SUMMARY OF BENEFITS AVAILABLE TO NASCOE MEMBERS

NASCOE offers the following benefits to its members. It is the member's responsibility to carefully consider their individual needs and to compare as many sources as they deem necessary before making any financial commitment.

Cancer Insurance:

Central States of Omaha (CSO), American Heritage Life, and AFLAC through J. M. Marketing (1-800-330-6223). The new CSO Cancer policy offers many new benefits not offered by any other company and the cost is one of the best available in years. The new $100 wellness benefit is just one of many excellent benefits with the CSO policy.

Supplemental Health/Hospital Intensive Care

Intensive Care - offered by CONSECO, Central States of Omaha, American Heritage Life, or AFLAC through J.M. Marketing (1-800-330-6223). Provides daily benefits paid directly to the policyholder for any stay in intensive care.

Hospital Indemnity - through American Heritage through J.M. Marketing, offsets co-pay charges required by other insurance coverage, pays directly to insured, intensive care available.

Long Term Care Policy - Mutual of Omaha through J.M. Marketing (1-800-330-6223). This new policy is designed for long-term nursing and home care income. A special 20% discount to NASCOE members is provided.

Disability Insurance

Offers short term disability and pays up to 40% of your salary beginning after the seventh day off work and pays up to two years. The 40% is to insure the payment will not create a problem with other payments for disability.

Life Insurance:

Guaranteed Issue-American Heritage through J.M. Marketing (1-800-330-6223) is available for spouse and children only if the NASCOE member first options the coverage. Offered on open enrollments at various times.

Final Expense Policy - This $10,000 whole life policy is an easy issue final expense policy.

Drug Card (Prescription)-Offers an excellent discount on prescription and mail orders.

Accident/Accidental Death & Dismemberment

Accident-American Heritage through J.M. Marketing (1-800-330-6223). It pays in addition to other coverage, hospitalization, covers dislocations and fractures, disability income for primary insured, accidental death and dismemberment benefits.

Personal/Professional:

Vision-Specs through J.M. Marketing (1-800-330-6223). Savings on all eye care purchases and eye exams at over 1,600 participating optical outlets.

Professional Liability - Wright & Company (1-800-424-9801). Specifically designed for Federal employees to assist with legal costs, damages against you, suits by other employees or the public.

Legal Counsel - NASCOE has secured legal counsel which will be available to its membership at the direction of NASCOE to advise and consult with individual employees or their counsel concerning specific employment problems. This period of consultation is limited to one hour of time. To receive this benefit, a NASCOE member must be referred by the STATE ASSOCIATION PRESIDENT through the respective Executive Committeeperson to the NASCOE President or his designee. Under special circumstances, such as a conflict of interest, NASCOE Vice President, may be contacted directly.

PrePaid Legal Services Inc. - JM Marketing is now authorized to process applications for PPL Services, Inc. Various legal work including legal document review, will preparation and management, and trial defense services are just a few of the services that a network of over 100,000 lawyers nationwide may be able to help you with. Basic average cost in most states is less than $16.00 per month.

Theme Park Discounts - Six Flags Park discount cards, and Busch Gardens/Sea World Park discount cards should be requested through the State Benefits Chair. State Benefit Chairs will pass on these request via e-mail to their respective Area Benefit Chair. Area Chairs have the discount coupons on hand for those amusement parks located in their respective area. Area Chairs will coordinate with each other to get discount coupons to a member outside of their area. NASCOE has discount cards available for just about any major theme or amusement park you might be visiting in the United States. These should be requested several weeks in advance of your scheduled trip.

*** NEW ***   Verizon Discount - Verizon has a discount program available to USDA-FSA employees. The best way to register for the employee benefit is to visit a Verizon dealer and request to register for this employee benefit. Please emphasize that you are an USDA-FSA employee. Another way to sign up is to dial *611 for Business Services and request a "Verizon Wireless Employee End User Program" form. The enrollment process is to first complete the enrollment form, make a copy of your employee photo ID or a current pay stub and drivers license and FAX them to 1-800-711-7788.

Maximize your government retirement and related benefits with professional advice from: www.federalbenefits.net
Byrens, Morrison, Nordmann and Associates specialize in providing advice for government employees along with skilled investment counseling regarding your federal benefits. Representative Steve Morrison had presented valuable information at Ohio OASCOE 2005 Fall Conference and can be contacted at the company's web site for a personal investment and retirement consultation.

Updated November 2005