Value Added Benefits Booklet

Communications Workers’ Union Value Added Benefits Booklet Peace of Mind for CWU Members

INSURANCE I DISCOUNTS I BENEFITS

Communications Workers’ Union 575 - 577 North Circular Road Dublin 1 Tel: 01 866 3000 Fax: 01 866 3099 Email: info@cwu.ie Web: www.cwu.ie

INSURANCE I DISCOUNTS I BENEFITS

Why choose the CWU? .......................................................2 CWU Value Added Benefits at a Glance ............................3 Schemes arranged through Halligan Insurances...

• • • • • •

Discounted Home and Motor Insurance .....................4 Mortgage Protection and Gadget Insurance….……...5 Discounted Life Insurance…...…………………...…....6 Discounted Illness Insurance..…………………...…....7 Discounted Family Accident Insurance ......................8 FREE CWU Accident Insurance ….............................9

Summary of Savings that can be made...

• •

CWU comparison for 23yr old member ....................10 CWU comparison for 40yr old member ....................11

Schemes arranged through FM Downes...

• • •

Discounted Private Health Insurance .......................12 Mortgage Service and Mortgage Protection ….…….13 Discounted Annual Travel Insurance........................14

CWU Members Online Discount Store...

•

FREE GroupSchemes.com ......................................15

Other Discounts available to CWU members...

• • • •

Aura Leisure Centres ...............................................16 McInerney Sports Travel ….......................................17 Vision Express Opticians …......................................17 Pinnacle Driving School............................................17

Added Benefits available to CWU members...

• • • •

Medical Benefit Fund and Legal Aid .........................18 FREE Sickness Benefit Fund.…...............................19 FREE Mortality Fund .…............................................20 FREE Orphan’s Pension Scheme .…........................20

Why choose the CWU? The CWU is Ireland’s premier union for the Postal, Telecommunications and Call Centre sectors.

With members in Eircom, An Post, Vodafone, Meteor, O2 and many others, the CWU has a proven track record in representing members’ interests.

Mission Statement “We will build an organising Union that prospers through excellence in service and commitment to recruitment.

We will be innovative in our responses to change by being progressive in our outlook, and determined in our efforts to always act in the best interests of the Union and its members.

We will, in solidarity with other like minded organisations, campaign for economic and social justice, for freedom of association and respect for human rights and the dignity of all who suffer from oppression or prejudice, whatever its form.”

Ireland’s Premier Union for the Postal, Telecommunications and Call Centre sectors

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CWU Value Added Benefits at a Glance By being a CWU member you can avail of discounts on essential insurance for your car, home and gadgets along with special insurance schemes to protect you, your spouse and children (aged 1 to 21) for life cover, illness cover and accident cover.

CWU members also benefit from professional advice on arranging or rearranging a mortgage or choosing the most suitable, discounted health insurance plan for your family.

In addition, members can obtain reduced cost: driving lessons, leisure centre membership, eye-glasses and sports travel while enjoying exclusive access to our dedicated online discount store.

The CWU has other valuable added benefits for its members which include the Medical Benefit Fund, Legal Aid, the Sickness Benefit Fund, the Mortality Fund and the Orphans Pension Scheme.

We also have our highly regarded Union magazine “Connect�, which is published four times a year and will keep you updated on what is taking place in your industry, on industrial relations events and any special discounts and services available to you as a member.

To avail of all of the above, simply quote your membership when making your enquiry

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Home Insurance Discounted cover for your buildings and contents • • •

24 Hour Emergency Claims Helpline Payment by Salary Deduction (where available) 20% No Claims Discount

Example quote for a property in Bray, Co. Wicklow with burglar & smoke alarms Buildings Insured for €200,000

Premium only €6.60

Contents Insured for €40,000

per week

Massive savings available...

Motor Insurance Reduced rates for CWU members and their families • • •

Full No Claims Bonus Protection Payment by Salary Deduction (where available) 20% Special CWU Discount

Example quote for a 40yr old member & spouse in a 2007, 1.4ltr Nissan Almera Client has full no clams bonus.

Private use only. Full licences.

Premium only €5.85

per week

All drivers’ welcome...

Call Halligan Insurances

01 8797100 or email info@halligan.ie

Halligan Life & Pension Ltd t/a Halligan Insurances is regulated by the Central Bank of Ireland

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Mortgage Protection Save money on your mortgage protection cover • • •

The lowest price guaranteed A chance to win €1 million each month 25% of first years’ premium buys Prize Bonds

Receive the lowest price guaranteed and Prize Bonds that enter you into the weekly draws for multiple cash prizes, including the monthly millionaire Prize Bond draw for €1 million.

Advice on choosing the best cover...

Gadget Insurance Insure your favourite gadgets all in place • • •

Cover up to five gadgets Worldwide cover Water damage & loss cover

Gadget cover from only €79

Most people don’t realise the amount of gadgets they carry around with them on a daily basis or take on holidays, so it makes senses to get worldwide cover with gadget insurance through CWU Gadget Cover.

Great cover with low policy excess...

Buy online at www.cwu.ie or www.halligan.ie

Call Halligan Insurances

01 8797100 or go to www.halligan.ie

Halligan Insurances, Unity Building, 16/17 Lower O'Connell Street, Dublin 1

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Life Insurance Simply the best value life cover available •

€100,000 Life Cover per member Member €3.89 per week (net cost @ 41% = €2.29)

•

€100,000 Life Cover per spouse Spouse €3.03 per week (not eligible for tax relief)

•

€10,000 Life Cover per child Automatically included free

Great reasons to join the CWU Life Cover Scheme...

• It can be deducted weekly and budgeted from members’ salary • Alternatively, it can also be paid monthly by direct debit • Cover is up to age 65 and can be extended to age 80 • Cost is the same for all who join, including smokers • Shortened one page application form Optional Extended Life Cover to age 80…

Costs €5.05 per member and €4.04 per spouse for: Age Brackets

Level of Cover

65 - 69 years

€25,000

70 - 74 years

€15,000

75 - to age 80

€10,000

Highly recommended for parents...

Cover automatically reduces as members move into the older age brackets. Children means the unmarried dependant children over 1 year and under 18 years of age or under 21 years of age if in full time education.

Call Halligan Insurances

01 8797100 or email info@halligan.ie

Halligan Life & Pension Ltd t/a Halligan Insurances is regulated by the Central Bank of Ireland

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Illness Insurance Providing peace of mind when you need it most • • • •

Covers serious and less serious illnesses No medical questions when joining Children automatically included free Cost is only €3.94 per week

With many people affected by serious illness in their lives, we designed the CWU Specified Illness plan to provide members and their families with financial protection against a serious illness. With two levels of protection included; covering both serious and less serious illnesses.

Summary of Benefits Age Brackets

Full Serious Illness Level of Cover

Less Serious Illness Level of Cover

Children’s Serious Illness Level of Cover

18 - 34 years

€55,000

€10,000

€20,000

35 - 44 years

€50,000

€10,000

€20,000

45 - 54 years

€29,000

€10,000

€20,000

55 - to age 65

€28,500

€10,000

€20,000

Cover is for full serious illness payment + less serious illness payment + children’s serious illness payment

48 different Illnesses are covered...

Cover automatically reduces as members move into the older age brackets. Children means the unmarried dependant children over 1 year and under 18 years of age or under 21 years of age if in full time education.

Call Halligan Insurances

01 8797100 or go to www.halligan.ie

Halligan Insurances, Unity Building, 16/17 Lower O'Connell Street, Dublin 1

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Family Accident Cover Additional cover for you and your entire family List of Benefits Member

Spouse

Child

Death by Accidental Means

€100,000*

€ 70,000

€

Permanent Total Disablement

€100,000*

€ 70,000

€ 35,000

5,000

(from any occupation) Loss of One or Both Eyes

€100,000*

€ 70,000

€ 35,000

Loss of One or More Limbs

€100,000*

€ 70,000

€ 35,000

Burns Benefit (up-to)

€ 12,000*

€

6,000

€

3,000

Fracture to Leg (including ankle,

€

3,000*

€

1,500

€

750

€

1,500*

€

750

€

375

femur, patella, fibia and fibula) Fracture to Arm (including wrist, humerus, radius and ulna) Temporary Total Disablement

€ 200 p.w.

€ 200 p.w.

(payable after 26 weeks for up to 2 years once in fulltime gainful employment)

Hospitalisation

€ 600 p.w.*

€ 300 p.w.

€ 150 p.w.

(payable after 24 hours, limited to 26 weeks) *Includes CWU Personal Accident “In Benefit” Members’ Cover

• • • •

All benefits paid tax free Cover is worldwide, 24 hours a day, 365 days a year Cover for member & spouse applies from age 18 to age 75 Children from age 1 to 18 or to age 23 if in full-time education

Premium only €2.47

per week

Wide ranging accident cover...

Call Halligan Insurances

01 8797100 or email info@halligan.ie

Halligan Insurances, Unity Building, 16/17 Lower O'Connell Street, Dublin 1

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FREE

CWU Accident Cover Cover automatically included for all CWU members List of Benefits Accidental death

€30,000

Permanent total disablement from any occupation

€30,000

Loss of two or more limbs or both eyes or one of each

€30,000

Permanent and total loss of speech

€30,000

Permanent and total loss of hearing: a) in both ears

€30,000

b) in one ear

€7,500

Loss by permanent total severance or total loss of use of: a) One limb

€30,000

b) One big toe

€3,000

c) Any other toe

€1,500

d) One thumb - right hand/left hand*

€7,500/€6,000

e) One forefinger - right hand/left hand*

€6,000/€4,500

f) Any other finger - right hand/left hand*

€3,000/€1,800

Permanent total loss of use of: a) Shoulder or elbow - right/left*

€7,500/€6,000

b) Wrist - right/left*

€6,000/€4,500

c) Hip or knee or ankle

€6,000

Removal by surgical operation of lower jaw

€9,000

Hospitalisation per week**

€300

Fracture to arm (including wrist)

€750

Fracture to leg (including ankle)

€1,500

Burns benefit (up to)

€6,000

* To be reversed if left handed ** Once an in-patient for more than 24hrs as a result of an accident, up to 52 weeks Should more than one accident occur, the maximum benefit payable is €30,000

Covers all “In Benefit” members...

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CWU Comparison Table

SAVINGS FOR CWU MEMBERS Benefits Available to Members

Single Male (23yrs)

Single Female (23yrs)

NonMember

Saving

Member

NonMember

Saving

€504.40

€646.68

€142.28

€300.50

€375.62

€75.12

€65.47

€152.13

€86.66

€65.47

€152.13

€86.66

Details of Benefits Member

Car Insurance

2005, Nissan Micra 1 litre, Comp, Full Licence, Full Bonus

Home Insurance

Kildare Apartment with €25,000 Contents Cover

Life Insurance

€100,000 Life Cover

€161.82

€216.19

€54.37

€161.82

€186.36

€24.54

Illness Insurance

€55,000 Illness Cover

€204.88

€279.96

€75.08

€204.88

€255.36

€50.48

Free

€31.68

€31.68

Free

€31.68

€31.68

€718.00

€779.60

€61.60

€718.00

€779.60

€61.60

Personal €30,000 Personal Accident Cover Accident Cover Aviva

Business Plan Choice

New Mortgage Service

Mortgage applications

FREE

€495.00

€495.00

FREE

€495.00

€495.00

Existing Mortgage Service

Lender renegotiations for members

€395

€595

€200.00

€395

€595

€200.00

Apple iPhone

4S 16Gb Model

€521.10

€579.00

€57.90

€521.10

€579.00

€57.90

Converse

Chuck Taylor Trainers

€46.75

€55.00

€8.25

€46.75

€55.00

€8.25

Cases of 12 Bottles Selected Wines

€89.00

€119.88

€30.88

€89.00

€119.88

€30.88

Therapié

Full Body Massage

€85.00

€100.00

€15.00

€85.00

€100.00

€15.00

Optilase

Laser Eye Surgery

€952.00

€1,190.00

€238.00

€952.00

€1,190.00

€238.00

Hi-Life Diners Club

Annual Membership

€25.00

€50.00

€25.00

€25.00

€50.00

€25.00

Bootcamp Ireland

8 Week Course

€130.00

€150.00

€20.00

€130.00

€150.00

€20.00

Savings:

€1,541.70

Savings: €1,420.11

Please note that the insurance figures are guides, specific individual factors will dictate the true savings for members

10

CWU Comparison Table

SAVINGS FOR CWU MEMBERS Benefits Available to Members

Married Male (40yrs)

Details of Benefits Member

Married Female (40yrs)

NonMember

Saving

Member

NonMember

Saving

Car Insurance

2007, Nissan Almera, 1.4 litre, Comp, Full Licence, Full Bonus

€336.66

€420.83

€84.17

€336.66

€381.47

€44.81

Home Insurance

Meath House, €200,000 Buildings €40,000 Contents

€268.79

€559.06

€290.27

€268.79

€559.06

€290.27

Life Insurance

€100,000 Life Cover

€161.82

€375.24

€213.42

€161.82

€276.96

€115.14

Illness Insurance

€29,000 Illness Cover

€204.88

€456.96

€252.08

€204.88

€372.72

€167.84

Free

€31.68

€31.68

Free

€31.68

€31.68

Personal €30,000 Personal Accident Cover Accident Cover Aviva

Business Plan Choice

New Mortgage Service

Mortgage applications

FREE

€495.00

€495.00

FREE

€495.00

€495.00

Existing Mortgage Service

Lender renegotiations for members

€395

€595

€200.00

€395

€595

€200.00

Apple iPhone

4S 16Gb Model

€521.10

€579.00

€57.90

€521.10

€579.00

€57.90

Converse

Chuck Taylor Trainers

€46.75

€55.00

€8.25

€46.75

€55.00

€8.25

Cases of 12 Bottles Selected Wines

€89.00

€119.88

€30.88

€89.00

€119.88

€30.88

Therapié

Full Body Massage

€85.00

€100.00

€15.00

€85.00

€100.00

€15.00

Optilase

Laser Eye Surgery

€952.00

€1,190.00

€238.00

€952.00

€1,190.00

€238.00

Hi-Life Diners Club

Annual Membership

€25.00

€50.00

€25.00

€25.00

€50.00

€25.00

Bootcamp Ireland

8 Week Course

€130.00

€150.00

€20.00

€130.00

€150.00

€20.00

Savings:

€2,130.25

€1,949.60 €2,118.20

€168.60

€1,949.60 €2,118.20

€61.60

Savings: €1,801.37

Please note that the insurance figures are guides, specific individual factors will dictate the true savings for members

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Private Health Insurance Reduced cost health insurance for CWU members With a special discount on corporate plans from Aviva CWU members have access to:

• • • • • • • • • • • •

More hospital, scan & treatment centres nationwide Semi-private or private room in a private hospital High-tech hospitals for cardiac, special listed High-tech hospitals for all ‘day case’ procedures Exclusive back care program Free telephone counseling service 24/7 6 free face to face counseling sessions per year Nurse-on-call 24 hours a day 7, days a week Accident & Emergency abroad Excellent maternity benefits Stress Related & Psychiatric Benefits Many other member benefits

Discount premiums available through payroll deduction For a no obligation quotation or any advice regarding your private health insurance needs.

Switch to save money...

Call FM Downes & Co.

01 8556666 or info@fmdownes.com

FM Downes & Co. Brokers is regulated by the Central Bank of Ireland.

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Mortgage Service New mortgages • • • •

Free expert independent advice Best chance of mortgage approval for members Borrow up to 92% of value of the house Competitive rates & flexible repayment options

Repayment difficulties with existing mortgages • •

Freephone based consultation advising the member of their rights as a borrower & available options Mortgage negotiators will assist the borrower secure more affordable repayment terms with the lender Professional Service...

Mortgage Protection Save money on your mortgage protection cover • • •

Entire market researched to ensure cheapest quote Special offer of cash back 30% of first years’ premium refunded

Cash back after 12 months...

Call FM Downes & Co.

01 8556666 or www.fmdownes.com

FM Downes & Co Brokers, Kandoy House, 2 Fairview Strand, Dublin 3

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Annual Travel Insurance Annual worldwide, multi-trip travel insurance • • • •

Cover up to 75 years of age Includes 21 days wintersports Worldwide insurance including the US & Canada Unlimited trips of up to 60 days any one trip From

Family Plan €64.85

per year

Special discounted price...

Buy online at www.cwu.ie or www.fmdownes.com

Call FM Downes & Co.

01 8556666 or info@fmdownes.com

FM Downes & Co. Brokers is regulated by the Central Bank of Ireland.

14

FREE

Online Discounts Store GroupSchemes.com Savings for CWU members on every day purchases What is my Group Scheme, and how does it work?

Your ‘Group Scheme’ is provided for you as a member benefit.

Groupschemes.com provide hundreds of discounts to you and your fellow members, meaning you have access to a wide range of savings on day-to-day items, as well as high-savings products in the financial, insurance and tax areas.

Groupschemes.com use collective purchasing power to secure large discounts with well-known brands and retailers in order to secure savings for you which would otherwise be unavailable.

Just visit www.cwu.ie to access your Group Schemes discounts * Please note that you must register on the CWU website to access GroupSchemes

Huge range of discounts available...

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Other Discounts Reduced cost leisure centre membership Aura and the Communications Workers’ Union have teamed up to provide members of the CWU with a 10% discount on the cost of an annual membership. This offer is available to all members of the CWU and is valid at all eight Aura leisure centres throughout Ireland (Carrick-on-Shannon, Letterkenny, Tullamore, Youghal, Dundalk, Drogheda, Trim and Navan).

As the fastest growing operator in Ireland, Aura continues to deliver on its promise of value and great service for all of its users – a simple formula with a proven track record of success.

Aura offers people of all ages and abilities the opportunity to become healthier and happier, and to feel better about themselves. Aura provides new and comfortable surroundings, state-of-the-art equipment and a range of courses, classes, fitness programs and activities for both adults and children.

To avail of this offer simply present your union membership card at any of the eight Aura leisure centres and you will receive 10% off the cost of annual membership.

The cost of annual membership and facilities vary from centre to centre, for example single annual membership ranges from €316 in Dundalk to €535 in Letterkenny. Family membership is available at all Aura leisure centres and CWU members can avail of discounts averaging €100 per family. Aura also provides the option of paying by direct debit. For more information on rates and facilities contact your nearest Aura leisure centre or email Gerard O’Rourke (gerard@cwu.ie)

Fun, fitness & health for all...

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Other Discounts Discounts available from the following providers McInerney Sports Travel The CWU has negotiated “a 10% discount on all purchases of football packages” for CWU members. This offer is available on all packages to England, Scotland and Spain. To avail of this offer please quote your CWU membership number at time of booking.

For bookings call 1850 206 080 or visit www.mcinerneysports.com Vision Express Opticians The CWU has teamed up with Vision express to enable our members to avail of special offers on spectacles and contact lenses. To avail of the offer just print off the voucher from our website (www.cwu.ie) or from the Connect magazine. Vision Express has stores in Athlone, Cork, Galway and Dublin. Contact your nearest store to arrange an appointment and remember to bring your voucher!

Find a store nearest to you on the website www.visionexpress.ie Pinnacle Driving School The CWU has teamed up with Pinnacle Driving School! All instructors are ADI qualified and pass rates are at least 15% above the average in all test centre’s. This offer is also extended to CWU members buying gift vouchers for a third-party. Unlike other vouchers Pinnacles’ do not have an expiry and can be redeemed at any time in the future.

CWU Members can avail of the special offer of only €30 per lesson (normally €35), this includes pre-test lessons and is extended to the family of CWU members.

Call (01) 455 9231 and quote CWU offer or visit their websites: Dublin: www.drivinglessonsdublin.ie / Cork: www.drivinglessonscork.com Galway: www.drivinglessonsgalwaycity.ie / Bray: www.drivinglessonsbray.ie Limerick: www.drivinglessonslimerick.ie

Discounts for members...

17

Added Benefits Value added benefits provided to CWU members Medical Benefit Fund Members may make one claim in each category below and, subject to the limits outlined, the treatment date must be within a 12 month calendar year. All expenses must be claimed in the year that the expenditure is incurred and there is no retrospection of claims.

Dental Grant Optical Grant Surgical and Medical Appliances

Up to €305.00 Up to €152.00 Up to €152.00

All claims must be processed through the member’s Branch to Union Head Office. Claims for children aged between 1 and 18 years only.

Original receipts requested for processing. These receipts will not be returned, you may need to copy your own receipts for tax purposes before submission.

Legal Aid This scheme, which is funded from the central funds of the Union, provides assistance to “In Benefit” members of the Union in certain circumstances and subject to certain conditions in relation to:

• • • • •

Offences under the Road Traffic Acts Compensation claims Inquests Wills Certain legal advice

Requests for assistance relating to matters covered by the scheme must be submitted with details of the case through the Branch/Section Secretary, to Union Head Office. The case will then be forwarded to the Union’s solicitors for advice.

Important added benefits...

18

FREE

Added Benefits Value added benefits provided to CWU members Sickness Benefit Fund Subject to the CWU Rules and Constitution and on production of the requisite documentation an “In Benefit” member on reduced pay, following a continuous or accumulative absence of 26 weeks from duty resulting from illness or accident may be paid an amount up to 70% of his/her basic pay while a member of the Union.

This payment may be paid for a maximum of 18 months in any period of 4 years in accordance with the following: 0 - 6 months 6 - 12 months 12 - 18 months

Up to 70% of member’s basic pay Up to 65% of member’s basic pay Up to 60% of member’s basic pay

Payments will cease after this period except in the most extreme of hardship circumstances. Application for continuation or otherwise of Sickness Benefit outside of this period will be considered on their merits by the Management Committee who will make recommendations to the Executive Council.

Such applications will need to be supported by a full report from the member’s medical specialist setting out the exact nature of the illness, the prognosis for a full recovery and likely date of return to work. The decision of the Executive Council on such applications will be final.

To apply, obtain a form from Union Head Office through the Branch/ Section Secretary, complete same and return with payslip and medical certificate, consultants report or a doctor-to-doctor report.

Important added benefits...

19

FREE

Added Benefits Value added benefits provided to CWU members Mortality Fund A member may be paid €635 on the death of his/her spouse. The nextof-kin may be paid €5,080 on the death of a member. The next-of-kin may be paid €635 on the death of an associate member.

The mortality benefit payable to the estate of a member of the Retired Members’ Section shall be €1,270. There is only one mortality benefit payment due per household.

To apply, obtain a form from Union Head Office through the Branch/ Section Secretary, complete same and return with copy of Death Certificate. In certain cases the Union may also require sight of the grant of probate or letters of administration, whichever is applicable.

Orphans Pension Scheme The Union also has its own added members’ benefit schemes including the Orphan’s Pension Scheme. In the event of the member's death, a sum of €20 per week (paid monthly), will be made in respect of each child registered with the fund until that child reaches the age of 18 years.

Members must register the names of each of their children with Union Head Office in order to have cover provided by the scheme.

This scheme is a free benefit to all members and application forms may be obtained from www.cwu.ie or from your Branch Secretary or Union Headquarters. Please ensure your children are covered.

Important added benefits...

20

Communications Workers’ Union Value Added Benefits Booklet Peace of Mind for CWU Members

INSURANCE I DISCOUNTS I BENEFITS

Communications Workers’ Union 575 - 577 North Circular Road Dublin 1 Tel: 01 866 3000 Fax: 01 866 3099 Email: info@cwu.ie Web: www.cwu.ie