Starting Coverage: August 14

About AWA ProtectAssist

ProtectAssist can help with filling the gaps or holes of an existing high deductible health plan. Benefits help to minimize out-of-pocket health care expenses specifically related to a covered accident, provide cash benefits toward medical services related to a covered accident, protect finances while dealing with a covered critical illness, and provide just the right amount of benefits at an affordable price. And Term Life insurance, included on the Plus levels, provides an additional layer of protection for family members. Available as a stand-alone or add-on to supplement another AWA membership plan.*

*Some association benefits and health care programs are not available with the add-on version. Consult member guide for more information.

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Association Benefits

Consumer Solutions


Save 15% when you order flowers and gifts from, either online or by phone. You’ll enjoy top-quality customer service with same-day delivery on many items.

Car Rental Discounts

Take advantage of affordable auto rental rates from Avis®, Budget® and Dollar® Rent A Car.

MSA Financial Coaching

Through My Secure Advantage (MSA), AWA members and eligible family members have all the resources needed to feel confident about financial goals in any stage of life – be it growing a family, buying a house, caring for aging parents, or planning retirement.

CLC ID Theft & Fraud Resolution

Members and family receive identity theft and fraud resolution services through CLC, Inc. The CLC identity theft resolution program was developed to help guide victims of identity theft and other fraudulent crimes through the complex process of restoring their personal identity, credit rating, financial security, and legal integrity. This benefit includes ID Monitoring, Fraud Restoration, Document Preparation, Lost/Stolen Purse or Wallet Services, Financial Coaching, and Legal Consultation.

CLC Legal Access

Through the CLC Legal Access program, our members have access to free initial legal consultations and discounted services to address many common legal concerns. Members also receive simple will preparation and access to online legal resources at no additional cost.

GlobalFit Gym Network

Members receive discounted gym memberships at more than 9,000 gyms nationwide including, L.A. Fitness, Anytime Fitness, Gold’s Gym, 24 Hour Fitness, and local favorites. Members can also take advantage of exclusive member savings on wearable technology, diet resources like Jenny Craig and Nutrisystem, meal plans and diet delivery options, and vitamins and supplements.

Gym America

Online access for personalized meal plans tailored to your needs, interactive tools for keeping you on track with fitness and nutrition goals, smart weekly shopping lists and much more for a special price.

Magazine Discounts

Save up to 85% off regular subscription rates on popular titles through and, Inc.

Massage Envy

A spa day isn’t just a way to pamper yourself—a massage can also offer health benefits to many people. Whether you suffer from chronic pain such as headaches and back issues or have a highstress life, a massage may help. Members receive up to 20% off many of the plans and services at Massage Envy.

Moving Discounts

Cord North American, an agent for North American Van Lines, offers members valuable discounts on moving and relocation services while providing the highest level of service and customer satisfaction.

Retail Benefits

Through this online shopping site, members can earn up to 40% cash back at more than 5,000 leading merchants and save even more with coupons that can be used instantly in-store. Shop at popular stores like Walmart, Target, Best Buy, Crate & Barrel, Gap, Banana Republic, Champs Sports, Home Depot, Macy’s and JCPenney. Book travel (airfare, hotels, rental cars, and more) through featured sites like Travelocity, Orbitz,, Priceline and Expedia.

True Car Auto Buying Service

Save time and money shopping for a new or used car through True Car. Members receive exclusive pricing, price protection and a hassle-free buying experience at thousands of Certified Dealers.

Health Care Solutions

Wellness Program & Fitness Network

AWA members have access to a variety of chiropractic and alternative medicine services. The network includes more than 40,000 credentialed complementary health care providers – chiropractors, massage therapists, acupuncturists, podiatrists, physical therapists and occupational therapists. Members receive discounts of 25% off usual and customary fees for services from network providers. Members can also choose from over 10,000 fitness clubs and exercise centers nationwide and receive at least 10% off the initiation fee and/or monthly dues.

EyeMed Vision Network Savings

Access to a national network of over 65,000 vision providers in 26,000+ locations, including LensCrafters®, Sears Optical®, Target Optical®, JCPenney Optical® and most Pearle Vision® locations. Members enjoy their choice of participating independent optometrists, ophthalmologists and opticians located throughout the country.


Members and their dependents can save 15% to 50%* on dental care through our Dental network of over 110,000 participating provider listings, including both general dentists and specialists across America.

Simply select a participating dentist in your area and present your membership card at your appointment to receive the discounted rates. There is no limit to the number of visits and you can change dentists within the network at any time for any reason.

*Actual costs and savings vary by geographic area. Not available in AK, MT, ND, OK, SD, UT, VT, WA, WY.

Hearing Products and Screenings

Members and their immediate family members (grandparents, parents, spouse and children) will receive complimentary hearing screenings and a 15% retail discount off the usual and customary retail price of any Beltone hearing instrument at any of over 1,500 locations throughout the United States.

Laboratory Testing

MyMedLab offers an efficient, affordable and confidential solution to medical laboratory testing. You can purchase the same testing ordered by your doctor at a cost 50% to 80% less than in your doctor’s office or local hospital lab.

Testing can be purchased 24 hours a day on the MyMedLab website. Tests are listed both individually and in groups called Wellness Profiles based on your age, sex and family history. This basic information is all you need to identify which profile evaluates your risk for common conditions associated with your specific group.

Business Solutions

Business AdvantEdge

The Business AdvantEdge Program provides you with access to discounted business services. In addition to the resources highlighted in the Business Solutions section, you can save money on a variety of services through many more vendors on the Business AdvantEdge website. Visit the Member MarketPlace to find out more about all the services available to you. New Vendors and services are always being added, so be sure to visit the website frequently to access all of the services available to help you save time and money so you can focus on the success of your small business.

ADP Payroll Processing

Members can access a 25% discount on processing costs and a free month of payroll processing. In addition, the one-time setup fee will be waived.

FedEx Shipping

Members receive discounts on FedEx services, including Priority and Standard Overnight, Express Saver, FedEx Ground®, and FedEx Express International shipping options.

Computer and Technology Products

HP offers members affordable pricing on business and home office products. Members receive discounts on HP notebooks, laptops, desktops, servers, printers, digital cameras, handhelds, point-of-sale (scanners, cash registers, etc.) and more.

NAC Web Services

Members can access discounts on website development and maintenance as well as web hosting. Their experienced staff of programmers and graphic designers offer creative and intuitive websites custom-built to your specifications.

Office Depot/Max Office Supplies

Members save 15% off hundreds of office supplies and 60% off printing online, by phone/fax, or in stores. Members also receive additional monthly special offers and incentives, as well as free next day delivery on qualifying orders of $50 or more (reduced shipping costs for lesser orders).

Penny Wise Office Supplies

Members receive the guaranteed lowest prices on over 20,000 office products and additional savings when orders are placed online. Fast, free shipping is also virtually guaranteed from the 40 Penny Wise distribution centers nationwide.


Sprint Wireless Services
With Sprint Wireless Services, new subscribers can have unlimited freedom, better choice plans and up to $250 in service credits.  If you are with another carrier, Sprint will help you determine the best plan and best time to switch. Members receive discounts on most rate plans, select Sprint accessories, 3G/4G data solutions, mi-fi and hot spot devices.

UPS Shipping

Members receive discounts on UPS delivery services for a variety of next day, 2-day and 3-day shipping options.

Value Added Benefits


Talk to a doctor by phone, web or mobile app anytime, anywhere. From your home, office, hotel room, or vacation campsite, simply make a phone call, and in most cases, speak to a doctor in less than 30 minutes, with an average call back time of less than 10 minutes. When you call Teladoc, you will always speak to a doctor who lives and works in the United States and is licensed to practice medicine in your state. Teladoc is also the only telemedicine provider able to treat children from 0-17¹. It’s health care that fits in the palm of your hand.

¹Consults for children under the age of 18 must be accompanied by a parent, guardian, or approved consenter.

ScriptSave Rx Savings Card

The ScriptSave Prescription Savings Card provides you access to discounted prescription drug prices. Get instant savings at the pharmacy register on brand-name and generic prescription medications for you and your entire household — even pets.  There are no limits on how many times members and their family can use the card.


Karis360’s team of Advisors offers personalized, caring, expert service helping members navigate the complex and expensive healthcare maze. With services from Healthcare Navigator to Bill Negotiator to Surgery Saver to Chaplaincy, Karis360 will sort through your healthcare paperwork, saving you time and money.

Karis360 sorts through healthcare paperwork
Karis360 saves time and money
Karis360 provides unlimited assistance from a Personal Advisor

View real-member testimonials for:

Bill Negotiation   Health Care Navigator



At home or abroad, the entire suite of AirMed medical transport benefits is available to AWA members* without deductibles, claim forms or out-of-pocket expenses.

If a medical emergency occurs while you are hours from home or halfway around the globe, members have seamless access to the highest level of acute care provided by the leading air medical company in North America – AirMed.

*Must be enrolled on an AWA membership that includes AirMed.

Insurance Benefits

Hospital Indemnity, Accident Medical Expense (AME) and Accidental Death & Dismemberment (AD&D) Insurance Benefits

Guarantee Trust Life Insurance Company

Underwritten by Guarantee Trust Life Insurance Company (GTL), Glenview, IL
Policy Form MP-1400 (or MP-1300) issued to Affiliated Workers Association
ProtectAssist 1ProtectAssist 2 ProtectAssist 3
Hospital Indemnity Benefit
Benefit Amount per DayN/A$500$1,000
Maximum Benefit Period per Hospital Stay per Covered AccidentN/A30 days30 days
Accident Medical Expense Insurance Benefit1
Maximum Benefit per Covered Accident per Insured$5,000$5,000$7,500
Deductible per Covered Accident per Insured$250$250$250
Initial Treatment Period60 days60 days60 days
Benefit Period12 Months12 Months12 Months
Covered Charges
Hospital room and board, and general nursing care, up to the semiprivate room rateup to $5,000up to $5,000up to $7,500
Hospital miscellaneous expense during Hospital Confinement or for outpatient surgery under general anesthetic, such as the cost of the operating room, laboratory tests, x-ray examinations, anesthesia, drugs (excluding take-home drugs) or medicines, therapeutic services and suppliesup to $5,000up to $5,000up to $7,500
Doctor's Fees for Surgeryup to $5,000up to $5,000up to $7,500
Anesthesia Servicesup to $5,000up to $5,000up to $7,500
Doctor's visits, inpatient and outpatient, each visit$75$75$75
Hospital Emergency Care$500
X-ray and other diagnostic tests
Ambulance Expense$250$250$250
Durable Medical Equipment$100$100$100
Prescription Drugs$500
Dental Treatment for Injury to Sound Natural Teeth
$250 per tooth
up to a maximum of $500
$250 per tooth
up to a maximum of $500
$250 per tooth
up to a maximum of $500
Physical Therapy
$60 for first visit;
$30 for each visit thereafter
$60 for first visit;
$30 for each visit thereafter
$60 for first visit;
$30 for each visit thereafter
Registered Nurse Expense
up to $5,000up to $5,000up to $5,000
Accidental Death & Dismemberment Insurance Benefit (AD&D)2
Accidental Death & Dismemberment Covered LossesPercentage of Principal Sum
Principal Sum - Member, Spouse, Child(ren)$5,000$10,000$20,000
Schedule of Benefits
Loss of Life100%100%100%
Loss of Both Hands
Loss of Both Feet
Loss of Entire Sight of Both Eyes
Loss of One Hand and One Foot
Loss of Speech and Hearing
Loss of One Hand or One Foot and Entire Sight of One Eye
Loss of One Hand or One Foot50%50%50%
Loss of Entire Sight of One Eye
Loss of Speech or Hearing
Loss of Hearing in One Ear25%25%25%


1 Accident Medical Expense Benefit does not pay for reinjury or complications of an injury caused or contributed to by a condition that existed before the Accident.

2 Accidental Death and Dismemberment Benefits are provided as shown in the Schedule of Benefits and pays the member or beneficiary up to the benefit amount listed for the member’s death or loss of certain body parts in a Covered Accident.

AD&D with Critical Illness Insurance Benefits

Unified Life Insurance Company

Critical Illness First Occurrence Lump Sum Benefit
Underwritten by Unified Life Insurance Company
Group Policy issued to Affiliated Workers Association
ProtectAssist 1ProtectAssist 2ProtectAssist 3
Pays a benefit for any Covered Person upon the First Ever Diagnosis by a Physician of one of the following covered conditions or procedures:
Maximum Benefit per Insured per Membership Year$5,000$5,000$10,000
Heart Attack100%100%100%
Invasive Cancer3
(diagnosis more than 30 days after the Certificate Effective Date)
Invasive Cancer3
(diagnosis within the first 30 days after the Certificate Effective Date)
End-Stage Renal Failure100%100%100%
Major Organ Transplant100%100%100%
Cancer In Situ
(diagnosis more than 30 days after the Certificate Effective Date)
Cancer In Situ
(diagnosis within the first 30 days after the Certificate Effective Date)
Accidental Death & Dismemberment Benefit (AD&D)
Pays benefit amount shown if a Covered Person is injured as the result of a Covered Accident, and dies, or loss occurs, within 365 days after the
Covered Accident. Only one amount, the largest benefit amount to which the Covered Person is entitled, will be paid for all losses resulting from one
Accident. If the Primary Insured’s death occurs while riding as a fare-paying passenger in a Common Carrier, the Common Carrier Benefit will be
payable. There is no Common Carrier Benefit for dependents.
Accidental Death & Dismemberment Benefit
Principal Sum for Primary Insured
Common Carrier Accidental Death Benefit (Primary Insured Only)200%200%200%
AD&D Benefit for Covered DependentsPercentage of Primary Insured’s Principal Sum
Accidental Death & Dismemberment Benefit for Spouse (no children)50%50%50%
Accidental Death & Dismemberment Benefit for Spouse (with children)40%40%40%
Accidental Death & Dismemberment Benefit for Child(ren) (with Spouse)10%10%10%
Accidental Death & Dismemberment Benefit for Child(ren) (no Spouse)15%15%15%
Type of LossPrincipal Sum for Primary Insured4
Loss of Life$5,000$5,000$10,000
Loss of Both Hands or Both Feet
Loss of Sight of Both Eyes
Loss of One Hand and One Foot
Loss of One Hand and the Sight of One Eye
Loss of One Foot and the Sight of One Eye
Loss of One Hand or One Foot$2,500$2,500$5,000
Loss of Sight of One Eye


3 For CA First Occurrence of Invasive Cancer pays at 100% regardless if identified more than 30 or within 30 days of the Certificate date.

4 Covered Spouse and Covered Dependent children receive a percentage of the Primary Insured’s Principal Sum, as listed in the table above.

Group Term Life Coverage

Amalgamated Life Insurance Company

CoverageA Member will receive one of the following amounts of coverage, based on the ProtectAssist level they choose:
ProtectAssist Plus Level 1 - $5,000
ProtectAssist Plus Level 2 - $10,000
ProtectAssist Plus Level 3 - $15,000

Spouse and Child coverage is not available.
EligibilityA Member will be eligible for Term Life Insurance if currently an active Member of the Affiliated Workers Association and:
Has paid current dues to the Association;
Member is actively at work; and
Meets the eligibility conditions described in the Certificate.

A Member is not eligible if the Member is not actively at work on the day you would normally become eligible.
Termination of CoverageA Member's Term Life Insurance Benefit ends on the earliest of:
The date the Policy terminates;
The date the Member is no longer a member of the association;
The last day of the month in which your employment in the eligible class under this policy ends;
The date the Member is in active service in the armed forces of a country at war, declared or not;
Any applicable premium is due and unpaid.
Age ReductionCoverage reduces 35% of the original amount at age 65; 50% of the original amount at age 70.
Accelerated BenefitIf a Member is terminally ill, the Member can receive up to 50% of their life coverage benefit in a lump sum as long as life expectancy is 12 months or less (as diagnosed by a physician).

The Accelerated Benefit, less any administrative charge*, will be paid in a lump sum and any remaining Death Benefit under the Certificate will be reduced by the amount of Accelerated Benefit. The amount of any Accidental Death Benefit will not be affected by the payment of the Accelerated Benefit. Premium must continue to be paid for the Insured under the Group Policy after payment of an Accelerated Benefit in order to keep the remaining Certificate Death Benefit in force.

Receipt of Accelerated Benefit may affect eligibility for public assistance programs and may be taxable. Please consult a personal tax advisor to determine the tax status of any benefits paid under this rider.

*There is an adminstrative charge of $75 to process the Accelerated Benefit claim.


Information You Need to Know

Guaranteed Coverage – The maximum amount of coverage available during the initial enrollment period with no medical information required.

Coverage Effective Date – The date the membership in the Affiliated Workers Association becomes effective and all required dues have been paid.

Coverage Waiting Period – Coverage is subject to a 30 day waiting period. No benefit will be paid during the first 30 days of coverage.

Monthly Rates

ProtectAssist Monthly Membership Rates*
ProtectAssist 1ProtectAssist 2ProtectAssist 3
Member + Spouse$122.00$174.00$257.00
Member + Child(ren)$102.00$144.00$204.00
Member + Family$149.00$225.00$345.00
ProtectAssist Plus 1ProtectAssist Plus 2ProtectAssist Plus 3
Member + Spouse$134.00$189.00$277.00
Member + Child(ren)$114.00$159.00$224.00
Member + Family$161.00$240.00$365.00
*Rates include a $7.50 monthly administration fee. One time $40 enrollment fee applies on the Stand-Alone membership only.

FAQ / About the Carrier

About the Carrier

Guarantee Trust Life

With 83 years of experience in the insurance industry, Guarantee Trust Life Insurance Company (GTL) has a proud heritage of providing excellent service and superior insurance products to individuals, families and groups across the country. Guarantee Trust Life Insurance Company is a mutual legal reserve company located in Glenview, IL and licensed to conduct business in 49 states and the District of Columbia and is rated “A-” (Excellent) by A.M. Best Company.

GTL believes in doing business the right way. They have a consistent track record of successfully delivering on their promises and preserving the trust that their partners, employees and policyholders place in them.

Their mission is to be recognized as a highly-competent, mid-sized mutual insurer, who by bridging timeless virtues with current best business practices, is effective in marketing targeted life and health products across the country.

Unified Life Insurance Company

Unified Life Insurance Company is a stock life insurance company with over thirty years of experience in the fields of life, health and annuity insurance and reinsurance.

First incorporated in Texas in 1986, Unified Life has been providing valuable coverage and protection to consumers for over three decades, boasting stability and a positive financial outlook (B++) from industry rating firm AM Best.

From the beginning, Unified Life has focused on community service as a guiding principle. They believe in a responsibility to give back to their neighbors and to foster support for a variety of causes.

The mission of Unified Life is keeping promises that have been made to policyholders. They do this by being fair, equitable and efficient and striving for the highest level of integrity. Unified Life wants to be there for policyholders when needed most. Because it’s better when you’re Unified.

Amalgamated Life Insurance Company

About Amalgamated Life
Since its inception in 1943, Amalgamated Life Insurance Company has made its mission to help working people and their families achieve financial security by providing affordable life, health and pension products and services while maintaining an unwavering commitment to excellence.

For more than 40 years, Amalgamated Life has maintained a consistent A.M. Best “A” Rating (Excellent) – a testament to their strong fiscal condition and excellent claims-paying performance.

Experience You Can Trust
Amalgamated Life continually strives to meet the insurance and employee benefit needs of its customers. Their role is to serve working people with the best solutions and equally important, the highest standards of service quality.

Amalgamated Life is a dedicated resource for a broad portfolio of group insurance products, including: disability, medical stop loss, term life and specialty drug cost management services, as well as voluntary benefits, including: accident, accidental death & dismemberment, critical illness, dental, disability, hearing, legal and whole life insurance.

Corporate Social Responsibility
Amalgamated Life exemplifies a true “Best in Class,” leading-edge insurance solution provider committed as ever to meeting the insurance needs of working men and women and their families. The Company is licensed in all 50 states and the District of Columbia.


Membership Eligibility

  • Between the ages of eighteen (18) and sixty-four (64)
  • Reside in an available state
  • Dependent children must be under age twenty-six (26)
  • Not in full-time service in the Armed Forces
  • Domestic Partners accepted
AWA ProtectAssist is NOT Available in: AK, CO, CT, DC, HI, ID, IN, KS, ME, MD, MA, MN, MO, MT, NV, NH, NY, NC, ND, OR, RI, SD, UT, VT. WA.

Health Care Discounts Disclosure

Not available in AK, OK, UT, VT, WA. If members move to one of those states, their discount medical benefits will terminate.
Disclosures: The discount medical, health, and drug benefits of this Plan (The Plan) are NOT insurance, a health insurance policy, a Medicare Prescription Drug Plan or a qualified health plan under the Affordable Care Act. The Plan provides discounts for certain medical services, pharmaceutical supplies, prescription drugs or medical equipment and supplies offered by providers who have agreed to participate in The Plan. The range of discounts for medical, pharmacy or ancillary services offered under The Plan will vary depending on the type of provider and products or services received. The Plan does not make and is prohibited from making members’ payments to providers for products or services received under The Plan. The Plan member is required and obligated to pay for all discounted prescription drugs, medical and pharmaceutical supplies, services and equipment received under The Plan, but will receive a discount on certain identified medical, pharmaceutical supplies, prescription drugs, medical equipment and supplies from providers in The Plan. The Discount Medical Plan Organization/Discount Plan Organization is Alliance HealthCard of Florida, Inc., 5005 LBJ Freeway, Suite 1500, Dallas, Texas 75244. You may call (855) 351-7536 or email for more information or visit for a list of providers. The Plan will make available, before purchase and upon request, a list of program providers and the providers’ city, state and specialty, located in the member’s service area. Any complaints should be directed to Alliance HealthCard of Florida, Inc. at the address or phone number above. Upon receipt of the complaint, member will receive confirmation of receipt within 5 business days. After investigation of the complaint, Alliance HealthCard of Florida, Inc. will provide member with the results and a proposed resolution no later than 30 days after receipt of the complaint. Note to DE, IL, LA, NE, NH, OH, RI, SD, TX, and WV consumers: If you remain dissatisfied after completing the complaint system, you may contact your state department of insurance.

Note to MA consumers: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00.