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A Bonus to Members

Get Automatic Dues-Tab Insurance and Other Goodies

Dave Arnold

Here's a consumer tip: You can't get something for nothing.

When you see the word "free," you can assume there's a hidden catch. "Free" is sometimes another word for "bait," which means you could get trapped into something you might otherwise avoid.

Here's another tip: When you see the phrase, "at no additional cost," you can assume that this is a bonus for something you already paid for. It's worth investigating, especially when the National Education Association (NEA) is involved.

No Extra Cost

For example, NEA members are entitled to Dues-Tab Insurance , at no additional cost. This is life insurance coverage that each of us pay for as part of our Association membership.

The coverage is automatic when we become members, but we must register our beneficiary. And when a member does pass away, NEA must be notified by the beneficiary in order to collect.

To register or change your beneficiary, you have two options. You may go to the Dues-Tab site and register, or call Member Benefits at 1-800-637-4636.


Dues-Tab is a guaranteed benefit at no cost to Active, Staff, Reserve, and Life members of NEA. Coverage provides:

  • Up to $1000 term life insurance
  • Up to $5000 of accidental death and dismemberment coverage
  • Up to $50,000 of AD&D insurance for any covered accident that occurs while on the job or serving as an Association Leader
  • Up to $150,000 of life insurance for unlawful homicide while on the job

While a $1000 life insurance may not impress a great number of members, it is guaranteed, automatic, and at no extra cost. I stress this benefit because a survey conducted by the Illinois Education Association (IEA) several years ago showed that nearly half of our membership had not registered a beneficiary.

Fifty K

The $50,000 coverage while serving as an Association Leader isn't bad either. This coverage includes all offices of Association leadership, not just president.

Visit Member Benefits and check out the many, many goodies available to you. You will find other insurance programs, financial services, and member discounts at hotels, rental car companies and restaurants.

Hundred Gran

Representatives from Member Benefits are always on the standby to help you. They are even available to visit your local Association to do a presentation about the benefit plan.

 A representative once told me that if a member was to take advantage of every discounted service offered by NEA Member Benefits, that member could save more than $100,000 per year as compared to using the same services without the member discounts. Maybe a person can get something for nothing after all.

(Dave Arnold, a member of the Illinois Education Association, is a custodian at Brownstown Elementary School in Southern Illinois. He can be contacted at .)

The views expressed in this column are those of the author and do not necessarily reflect the views of the NEA or its affiliates.

Dave's View has been discontinued following the retirement of its author, Dave Arnold. Even though new columns will not be posted, we encourage you to review past columns.