NATIONAL TERTIARY EDUCATION UNION 2011–2012 NTEU MEMBERSHIP BENEFITS GUIDE FINANCIAL SERVICES | LEGAL SERVICES | SHOPPING | HEALTH | TRAVEL Dear Member, One of the benefits of your NTEU membership is access to a wide range of financial, legal, shopping and accommodation discounts and services. These include services specifically developed for NTEU members, and access to a broad range of services by virtue of our affiliation with the ACTU. Whilst commercial services are not a core part of our work, they do help to make your NTEU membership go just that little bit further by providing you with savings on everything from home loans to holidays. These services complement the Union’s work in protecting and advancing our members’ industrial interests and promoting a quality tertiary education system. This Guide includes a number of new services and discounts for NTEU members. Regular updates on services are printed in our national members’ magazine, Advocate, and on our website at www.nteu.org.au. If you have feedback on this Guide, or any of our service providers, we would value your comments. Please email [email protected] to provide us with your views. Your NTEU membership card is all you need to take advantage of the benefits outlined in this booklet. You will need to quote your membership number to access many of the discount services. Keep it handy so you can make full use of your Union membership. Grahame McCulloch, NTEU General Secretary Important Notes • If you have not yet received your NTEU membership card and wish to access discounts or benefits in this Guide, contact Melinda Valsorda, Membership Officer, ph (03) 9254 1910, [email protected]. • Commercial services and discounts listed were correct at the time of printing but are subject to change without notice. It is advisable to agree on the price of a service before purchase and to have your NTEU membership card with you when you pay. • Please note that products offered are not necessarily the cheapest on the market. Some companies offer a discount to NTEU members, others provide ‘privilege services’. • It is advisable to obtain information from a number of organisations to enable you to decide which product best suits your needs. In the case of some services and products, Union Shopper will shop around on your behalf. • Legal services are ONLY in relation to services not connected with your work, such as family law, conveyancing, wills, transport accident or personal injuries unrelated to work. For legal representation regarding employment and industrial matters you must seek a referral from your local NTEU office before any legal advice is sought. CONTENTS FINANCIAL SERVICES ..................................................... 2 Banking 2 Credit Cards 4 Financial Planning & Advice 4 Grants & Funding 6 Insurance 6 Loans 7 LEGAL SERVICES ........................................................... 9 SHOPPING ..................................................................13 Cars & Tyres 13 Communications 14 Magazines & News 14 Shopping Services 15 HEALTH ......................................................................17 Dental 17 Insurance 17 Medical Centre 18 Optical 19 TRAVEL ..................................................................... 20 Accommodation 20 Car Hire 22 Travel Insurance & Planning 23 2011–2012 NTEU Membership Benefits Guide Published by the National Tertiary Education Union ©2011 Design: Paul Clifton Production: Julie-Ann Veal PO Box 1323, South Melbourne, VIC 3205 Australia ABN 38 579 396 344 (03) 9254 1910 (03) 9254 1915 V [email protected] www.nteu.org.au FINANCIAL SERVICES ACTU Member Connect Extra benefits for Union Members 1300 362 223 www.memberconnect.com.au ACTU Member Connect is 100% union owned and adds real value to your union membership by saving you money. Explore the benefits! Our services include: • Banking • Insurance • Financial advice and planning • Merchandise • Discount New Cars • Home and Personal Loans • Shopping • Discount Movie Tickets • Car Rental • Competitions. Banking ME Bank Better value banking with ME Bank 13 15 63 www.mebank.com.au ME Bank products are simple, fair and transparent. NTEU members have access to discounts on home loans and higher returns on your savings. We were created to give members of unions and industry super funds low cost banking and exceptional customer service • Home Loans – offering a discount of up to 0.45%p.a.* • Super Members Term Deposit – including a bonus of up to 0.25%p.a.* • Online Savings Accounts • InterestME Savings Account • First Home Saver Account • Personal loan • Credit Card Now, more than ever, if you’re a member of a Union, you should take advantage of the better service and better value banking offered by ME Bank. After all, it was the bank created for you. As a member of the NTEU, ME Bank is your bank. For more information about ME Bank, call 13 15 63 or visit mebank.com.au. * The Super Members Home Loan and Super Members Term Deposit are available to eligible members of unions and super funds. A list of eligible unions and super funds is available at mebank.com.au. These products are issued by ME Bank. Fees and charges apply. Terms and Conditions available on request. Applications for credit are subject to approval. This information does not take into account your situation and you should consider if these products are appropriate for you. Members Equity Bank Pty Ltd ABN 56 070 887 679. 2 NTEU MEMBERSHIP BENEFITS GUIDE 2011–2012 mecu 13 28 88 www.mecu.com.au For more than 50 years, we’ve believed there is only one way to bank and that’s responsibly, mecu has a long history of providing the education community with a cooperative approach to banking. Today mecu is one of Australia’s strongest and largest credit unions and has more than 140,000 members, on whose behalf we manage assets approaching $2.4billion in a responsible way. mecu is FINANCIAL SERVICES dedicated to offering members a range of responsible products to meet your everyday banking needs including: • Savings and investment accounts with access to one of the largest ATM networks – rediATM, Internet and telephone banking, EFTPOS and BPAY • Debit cards and credit cards • Home and investment loans • Car loans • Insurance • Financial planning • Foreign exchange. Teachers Credit Union 13 12 21 www.teacherscreditunion.com.au Teachers Credit Union has been supporting the education community and their families for over 40 years and is the forth largest credit union in Australia. Membership is open nationally to teachers, lecturers and ancillary staff at universities, public schools and TAFEs. Our commitment is to provide our members with low cost banking, financial safety, security and prosperity. Our financial strength allows us to offer a competitive range of award winning products and services, including: • Home and personal loans • Savings and investment accounts • Credit and debit cards • Insurance • Financial planning • Travel services • Car buying services. To join or find out more go to teacherscreditunion.com.au NTEU MEMBERSHIP BENEFITS GUIDE 2011–2012 3 Credit Cards ME Bank MasterCard Better value banking with ME Bank 13 15 63 www.mebank.com.au Continuing to lead the way in great value credit cards, the ME Bank MasterCard has a low interest rate and a low annual fee. Our approach has always been to offer a MasterCard that is simple, fair FINANCIAL SERVICES and transparent to our customers as members of eligible unions and super funds. • A low annual fee • No charge for up to 8 additional card holders • Emergency worldwide replacement if card is lost or stolen. This product is issued by ME Bank. Fees and charges apply. Terms and Conditions available on request. Applications for credit are subject to approval. This information does not take into account your situation and you should consider if these products are appropriate for you. Members Equity Bank Pty Ltd ABN 56 070 887 679. Teachers Credit Union 13 12 21 www.teacherscreditunion.com.au See listing under Banking (p. 3). Financial Planning & Advice ACTU Financial Planning Network 1300 362 223 V [email protected] www.memberconnect.com.au Managing personal finances has become increasingly complex. As a result many Australians will seek advice from a financial planner to help ensure their hard earned savings are being used as effectively as possible. So how do you know that the advice you are receiving has your best interests at heart? ACTU Member Connect, which is 100% union owned, has compiled a list of endorsed financial planners that are qualified and can offer advice in the interests of union members. A Member Connect endorsed financial advisor will offer union members a free first consultation. Call or visit the website to find out where your closest ACTU endorsed financial planner is located. IFFP 1300 138 848 www.iffp.com.au As a member of NTEU, you and your partner have access to fee-for- service financial advice through Industry Fund Financial Planning. 4 NTEU MEMBERSHIP BENEFITS GUIDE 2011–2012 Advantages of IFFP include: • Initial consultation to determine your financial needs • Fee-for-service, no commissions* • No hidden costs • Experienced planners located in all States and Territories • Wholly owned by Industry Superannuation Funds. IFFP can help with all your financial needs, including: • Retirement planning • Debt reduction • Managed (investment) funds • Tax strategies FINANCIAL SERVICES • Centrelink benefits • Transition to Retirement (TTR) strategy. To book your consultation, call 1300 138 848 *Any commissions received by IFFP are rebated to your account. IFFP is a division of Industry Fund Services Ltd (ABN 54 007 016 195 AFSL 232 514). mecu 13 28 88 www.mecu.com.au See listing under Banking (p. 3). Teachers Credit Union 13 12 21 www.teacherscreditunion.com.au See listing under Banking (p. 3). UniSuper Advice 1300 331 685 www.unisuper.com.au/advice Looking for a financial advice service you can trust? Look no further. Through UniSuper Advice, UniSuper members and their spouses have access to personal advice to help achieve their complete financial goals.