Retired members booklet

Communications Workers’ Union Communications Workers’ Union Value Added Benefits Booklet

YOUR UNION YOUR VOICE

retired members’ benefits

There are a range of special discounts which are available to you as a retired member of the CWU. All you need to do is quote your membership number to avail of them. The Union has arranged discounts on things as essential as insurance cover for your car, home and holidays. Enclosed in this booklet are details of the benefits available to you if you join the Retired Members’ Section: 1.

By joining the Retired Members’ Section of the CWU you will have a voice in relation to your pension and a say in future decisions regarding your pension;

2.

The membership fee for retired members shall be €1.00 per week by Deduction at Source; or €4.16 per month by Direct Debit; or €50.00 per annum by cheque/ postal order/ cash;

3.

The Union magazine “Connect”, which is published 4 times a year, can keep you updated on what is taking place in your industry, on industrial relations events, not to mention special discounts and services available to you as a retired member. All retired members shall receive a copy of the Connect magazine posted directly to their home address;

4.

The next of kin of a retired member may be entitled to a doubling of the Mortality Grant to €1,270 on the death of a retired member;

5.

Applications for financial assistance from the fund in such cases are considered on their merits by the Management Committee and grants are made in certain limited circumstances, subject to the sanction of the NEC. The NEC, through the Finance Sub-Committee, shall set aside monies to provide financial assistance for retired members in distress;

6.

Retired members are also entitled to avail of legal aid. This scheme, which is funded from the central funds of the Union, provides assistance to retired members in certain circumstances and subject to certain conditions in relation to: Offences under the Road Traffic Acts; Compensation Claims; Inquests; Wills; and certain other legal advice. The first consultation with the Union solicitor is free and any subsequent meetings are at the expense of the individual;

7.

The existing personal accident cover, which the Union takes out for all members, will be extended to retired members until the age of 80. All retired members are covered 24 hours a day, 365 days a year, anywhere in the world. The only exclusions are injuries consequent upon war, whether declared or undeclared, intentional self-inflicted injury including suicide or attempted suicide, aerial flight other than as a passenger, sickness or disease;

8.

We have also secured an extension of our private medical health scheme with Aviva Insurance to retired members. Details of these insurance schemes are available herein and on the website. Members should directly contact FM Downes & Co. on 01 855 6666 (www.fmdownes.com) and Halligan Insurances on 01 879 7100 (www.halligan.ie) if they wish to avail of this range of services.

Given that this is a new departure for the Union, the above list is obviously not exhaustive and it is the intention of the NEC to agree a process that will allow the Union to assist our Retired Members’ Sections to develop policy and to become a voice for those members.

If you would like to join the Retired Members’ Section of the CWU please return the enclosed forms to: Communications Workers’ Union, William Norton House, 575-577 North Circular Road, Dublin 1 PLEASE NOTE YOU CAN ONLY BE A MEMBER OF THE RETIRED MEMBERS’ SECTION IF YOU ARE NO LONGER IN EMPLOYMENT 3

What is a Fair Hotel?

FAIR HOTELS are hotels that treat their staff fairly. FAIR HOTELS understand that the hospitality industry is a people industry and that in order to attract and retain a skilled and committed workforce; staff must know that their work is valued.

FAIR HOTELS pay a fair day始s pay for a fair day始s work. They accept that hotel workers deserve to be paid a fair wage on which to support themselves and their families. FAIR HOTELS take their responsibilities as employers seriously. They respect the fundamental human right of workers to a voice at work. They engage in collective bargaining with staff.

FAIR HOTELS accept that in order for a hotel to run efficiently and safely, workers need to have a voice in minimising potential risks to their health from accidents and injuries. FAIR HOTELS know that client satisfaction depends on excellent customer service. They know that workers who are treated right will go the extra mile to ensure that customers are treated right.

FAIR HOTELS realise that hotel workers value quality jobs - jobs that are worth protecting. Both collectively and individually, workers in FAIR HOTELS strive to protect their livelihoods by securing the viability of their hotel.

http://www.fairhotels.ie/ 4

INTRODUCING

The CWU ‘In Benefit’ Retired Section Personal Accident Scheme Advantages to Members of the CWU ‘In Benefit’ Retired Section Personal Accident Cover The CWU ‘In Benefit’ Retired Section Personal Accident Scheme provides members with an essential level of cover against many unforeseen risks. All members are covered 24 hours a day, 365 days a year on a worldwide basis, free of charge.

The peace of mind this cover provides against a range of accidents includes those that can result in a significant disruption to a persons daily life such as a fracture; when a payment of between €1,500 and €750 is of great assistance and one of the many benefits of being a member of the CWU Retired Section.

Summary of Benefits for all CWU ‘In Benefit’ Retired Members

Cover Details

Benefits

Accidental Death

€30,000

Total Loss of Limb(s)/ Eye(s)/ Hearing (both ears)

€30,000

Total Loss of Hearing in one ear

€7,500

Hospitalisation per week*

€300

Fracture to arm (including wrist)

€750

Fracture to leg (including ankle)

€1,500

Burns benefit up to a maximum of

€6,000

*Once an in-patient for more than 24hrs as a result of an accident payable for a maximum of 26 weeks.

The age limit for entry is age 69, cover continues up to age 80 and is paid for by the CWU.

For more information on any aspect of the Scheme, please contact Brian Halligan at:

Halligan Insurances 16/17 Lower O’Connell Street, Dublin 1.

Telephone: 01 879 7100 Email: cwuinbenefit@halligan.ie Web: www.halligan.ie or www.cwu.ie

Arranged by Group Scheme Specialists:

Halligan Insurances Scheme Underwritten by Chartis Europe Ltd.

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

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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

●

€10,000 Life Cover per child Automatically included

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

• • • • •

Payment by Salary Deduction Alternatively, payment 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 application form when joining

**Optional Extended Life Cover to age 80*** Weekly cost: €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...

LoCall Halligan Insurances

1890 125 100 or email info@halligan.ie

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

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No age restriction on cover

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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.

**Optional Extended Life Cover to age 80*** Weekly cost: €5.05 per member and €4.04 per spouse for: 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.

LoCall Halligan Insurances

1890 125 100 or email info@halligan.ie 10

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

Spouse

Death by Accidental Means

€100,000*

€ 70,000

€

Child

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...

LoCall Halligan Insurances

1890 125 100 or email info@halligan.ie 11

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COMMUNICATIONS WORKERS’ UNION RETIRED MEMBERS’ SECTION SEPA Direct Debit Mandate

Unique Mandate Reference Creditor Identifier: IE82ZZZ304979 PLEASE FILL OUT THE FORM IN BLACK CAPITALS LEGAL TEXT: By signing this mandate form, you authorise (A) COMMUNICATIONS WORKERS’ UNION to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with the instruction from COMMUNICATIONS WORKERS’ UNION. As part of your rights, you are entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks, starting from the date on which your account was debited. Your rights are explained in a statement that you can obtain from your bank.

Any personal information provided by you to this Union will be used for purposes consistent with your membership of this Union. Other than the Company listed by you on the form, your details will not be revealed by the Union to any external body, unless the Union has your permission, or is under a legal obligation to do so.

PLEASE COMPLETE ALL THE FIELDS BELOW MARKED * * Your Name: * Your Address:

Line 1…………………………………………………………………………..

* City/Postcode:

Line 2………………………………………………………………………….. * Country:

*Account number (IBAN): * Swift BIC: PLEASE RETURN COMPLETED FORM TO: Creditor’s Name:

Communications Workers’ Union

Creditor’s Address line 1:

William Norton House

Creditor’s Address line 2:

575 North Circular Road

Creditor’s Address line 3:

Dublin 1

Country:

Ireland

TYPE OF PAYMENT: RECURRENT

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*Signature(s): ………………………………………………………………………………………………. *Date of Signing: ……………………………………………………………………………………………

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Payment Options Listed below are the various payment options available for you to join the Retired Members’ Section of your Branch: 1. Annual payment of

by cheque/ postal order/ bank draft/ cash

2. Monthly payment of

paid by Direct Debit

3. Weekly payment of

deducted at source from your pension

A pre-paid envelope is enclosed with this booklet to return your completed application form(s).

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Communications Workers’ Union William Norton House 575-577 North Circular Road Dublin 1 T: 01 866 3000 F: 01 866 3099 E: info@cwu.ie www.cwu.ie