Overview of

Becoming a members of the Higher Education Partnership provide you with a number of services and money saving benefits that are only available to our members. For more information on Membership Benefits, please click on the specific benefit or contact Whitney Wood - whitneywood@higheredpartners.org

Level I Membership - $12.00

Advocacy of Higher Education in Alabama

Representation in Montgomery

Travel Benefits

Flower, Gift Baskets and More

Triple savings on Special Gifts

Recreational Vehicle Rental and Sales

Moving Services

Car and Truck Leasing and Purchasing Service

Long Distance Services
Walk In Hearing Plan

Level I Membership - $20.00(Upgrade)

EyeMed Access Plan D

Level II Membership - $60.00

All the Benefits of Level I

PLUS

Legal Referral Network

Prescription Drug Plan

Extend Travel Benefits

Level III Membership -$120.00

All the Benefits of Level I and II

PLUS

Professional Educators Liability Insurance

EyeMed Access Plan D

Benefit Design Summary – Discount Access Program

Discounted Exam Benefit and a Defined Materials Discount Benefit

Vision Care Services	Member Cost
Exam with Dilation as Necessary:	$10 off contact lens exam $5 off routine exam
Complete Pair Glasses Purchase: Frame, lenses, and lens options purchased in same transaction**
Standard Plastic Lenses:** Single Vision Bifocal Trifocal	$50 $70 $105
Frames:
Any frame available at provider location	35% off retail price
Lens Options: UV Coating Tint (Solid and Gradient) Standard Scratch-Resistance Standard Polycarbonate Standard Progressive(Add-on to Bifocal) Standard Anti-Reflective Coating Other Add-Ons and Services	$15 $15 $15 $40 $65 $45 20% discount
Contact Lenses¹:
(Discount applied to materials only)
Conventional	15% off retail price
Laser Vision Correction: Lasik or PRK	15% off retail price - or - 5% off promotional price
Frequency: Examination Frame Lenses Contact Lenses	Unlimited Unlimited Unlimited Unlimited

**The scheduled discounts are only available when a complete pair of glasses is purchased. Items purchased separately will be discounted 20% off of the retail price.

After initial purchase, replacement contact lenses may be obtained by calling toll free 800-508-1399.

The contact lens benefit allowance is not applicable to this service.

Member will receive a 20% discount on items purchased at participating Providers not included under plan coverage. 20% discount may not be combined with any other discounts or promotional offers, and the discount does not apply to EyeMed Provider's professional services, or contact lenses. Retail prices may vary by location. Provider search: www.myselectvision.com or toll-free 800-221-3272

All plans are based on a 12-months contract term.

Not valid for groups domiciled in the state of Washington.

Plan Limitations/ Exclusions:

· Orthoptic or vision training, subnormal vision aids, and any associated supplemental testing

· Medical and/or surgical treatment of the eye, eyes, or supporting structures

· Corrective eyewear required by an employer as a condition of employment, and safety eyewear unless specifically covered under plan

· Services provided as a result of any Worker's Compensation law

· Plano non-prescription lenses and non-prescription sunglasses (except for 20% discount)

· Two pair of glasses in lieu of bifocals

021506

Travel Benefits

Receive a 20% discount when advance hotel reservations are made

Choice Hotels International

Worldwide Discounts

Includes: Comfort Inn, Comfort Suites, Quality,
Sleep Inn, Clarion, Cambria Suites, Mainstay Suites, Suburban,
Econo Lodge, Rodeway Inn

www.choicehotels.com

Car Rentals

Flowers, Gift Baskets and More

Members SAVE 20% on all floral arrangements and gift items for all occasions with "From You Flowers".

Choose from over 2000 exquisite items with hand delivered same day service.

Elegance and flawless deliver is their top priority. We offer a 100% product and service satisfaction guarantee.

Someone is celebrating something today - and we've go the perfect gift!

As a special benefit . . .Members can now enjoy Triple the SAVINGS! Enjoy stress-free shopping. SAVE 15% when you use your benefit code. Celebrate all your special occasions with gifts from 1-800-Flowers.com®, The Popcorn Factory, and Plow & Hearth - part of of wonderful collection of brands.

Recreational Vehicle Rental & Sales

Save on motor home rentals at locations throughout the United States. Low time and mileage charges. Normal rental conditions and customer qualifications apply. You also can purchase new and used brand name motor homes, campers, trailers and vans.

Moving Services

Members are entitled to significant discounts for interstate moves through a national moving company. From a move to a neighboring state to across the country, you can be assured of professional and courteous help when you relocate your household or business. Members save up to 62% off interstate transportation charges, up to 50% off interstate storage charges , guaranteed pick up and deliver schedules, and Welcome Home Service.

Car and Truck Purchasing and Leasing Service

You can save money on the car and truck purchasing and leasing service. The program offers a new way to lower the purchase or lease price on new, used and lease cars, trucks, vans and SUVs.

Long Distance Service

Our long distance and telecommunications partner provides you with an exclusive long distance savings program. This program may be used for residence or business. Telrite Corporation stands by its promise to bring you innovative, reliable, and cost-effective choices for your telephone serves.

Walk In Hearing Plan
Hearing aids are priced 50%-65% off manufacturer's suggested retail pricing. The prices on major brand hearing aids, will save hundred on hearing aids compared to normal retail prices. Brands include: GNResound, Oticon, Phonak, Rexton, Siemens, Sonic Innovations, Starkey and Widex.

Level II Membership - $60.00

Members Advantage Rx Prescription Drug Plan

No exclusions, waiting periods or maximum annual savings limits.

This program can help to reduce your cost on both Brand and Generic medications. You are always assured the lowest possible price each and every time you use this program Your entire family is covered and they many use this prescription drug savings program.

~ Plan includes over 30,000 chain pharmacies nationwide. The list of the participating pharmacies is listed below.

~ Members pay the lower of the preferred program price, the pharmacy’s usual & customary price or the sale price, whichever is less at the time of purchase. All pricing is done on-line via the pharmacy’s in-store computer.

~ One card covers the named member as well as spouse and dependents.

~ All brand & generic prescription drugs are covered except experimental, over the counter and medical devices.

~ The mail order service is ideal for those on long-term maintenance medications and may offer members deeper discounts than available at the pharmacy. Some injectables, controlled substances and refrigerated items are excluded.

Walk-in Prescription Plan: There are no waiting periods or exclusions or annual savings maximums. You may use this savings plan immediately upon receipt of the membership material and identification card. Mail-Order Prescription Plan: Price quotes are available via a toll-free customer service number or you may access pricing information via the web. Mail-order may provide deeper discounts on long term, maintenance medications. Up to a three month supply is available. Comparison shop for the best saving whenever possible.

Legal Club of America

Legal Club of America® is a nationwide discount legal referral service with a network of over 20,000 attorneys who have contracted to provide you with numerous free and discounted legal services.

Members will be given a toll-free number for legal assistance. You will be referred to a Plan Attorney based on three criteria: area of law, language spoken and location. Membership includes you, your spouse and any dependents 23 and younger. You may use as many plan attorneys, practicing any area of law, anywhere in the country as often as you need. The following are the free and discounted services provided to you by Legal Club of America® network plan attorneys.

Free Services

~ Phone consultations during business hours for new legal matters.

~ Attorney review of legal documents (6 page max.) per new matter.

~ Necessary calls/letters by your attorney.

~ One-on-one consultations for new legal matters.

~ Simple wills for you and your family with annual updates.

~ Helpful advice on representing yourself in small claims court.

~ Assistance in solving problems with government programs.

Contingency Fee Discounts

Attorneys often work on a contingency fee basis on cases such as personal injury and collections. This fee is usually expressed as a percentage of the amount collected or awarded. In some cases, fee maximums are set by state law. In these matters, members' fees will be a 10% reduction of the state maximum rate or the attorney’s usual rate, whichever is lower.

Guaranteed Fixed Hourly Rates

In the event a member requires extended legal representation, plan member attorneys are currently contracted with us to charge no more than $75.00 per hour for in or out-of-court representation. In most cases, the attorneys will be able to estimate the amount of hours any given case may consume prior to beginning work on the case.

Discounted Fee Schedule

Legal Services Legal Club Member Rate Non-Member Rate

Traffic Ticket Defense $89.00 $199.00

Chapter 7 Bankruptcy $250.00 $750.00

Name Change $155.00 $550.00

Simple Will w/Trust $170.00 $280.00

Non-Support of Spouse or Child $239.00 $750.00

Simple Divorce $210.00 $750.00

Regular Incorporation $295.00 $500.00

Personal Real Estate Closing $175.00 $500.00

The last column represents the estimated fees of these services to people seeking legal counsel outside plan rates. Costs and filing fees additional.

Travel Service

Full Service Travel with Discounts of up to:

*Best available fare on airline tickets
40% on train tickets
40% on cruises
50% on hotels
70% on condominiums
40% on car rentals

*Through the availability of discount coupons and airline consolidator prices through major partners such as Northwest, American, or Delta (discount amount varies depending on purchase price of ticket).

Additional Benefits

Travel insurance, as requested by the individual consumer.
Toll-free Reservation Center, Monday-Friday from 9:00 am to 9:00 pm, with a 24-hour/7-day a week help-line (including holidays).
Website, with booking and search capabilities
Professional Travel Counselors with expertise in corporate travel, vacation planning, honeymoons and all travel needs.
Other valuable customer services, such as: weather or ski conditions anywhere in the world, booking theater tickets, or confirming limousine service.

Level III Benefits— $120.00

Liability Insurance

With the Educators Professional Liability Plan, you will be protected against a broad range of exposures associated with your educational duties, including the following allegations:

· Injuries to students under your supervision

· Improper placement of students

· Improper methods employed in instruction, counseling, research design, etc.

· Hiring unqualified persons

· Failure to educate

· Failure to promote students or grant credit

· Violation of student civil rights

· Negative consequences in the implementation of the recommendations of research studies

· If you supervise other employees and are sued by one of them regarding covered personnel matters, the policy will pay 90 percent of your defense costs for a maximum of $5,000, subject to a $100 deductible.

· The plan will pay up to $250 for your initial consultation with an attorney, and it will pay up to $750 of the cost of having an attorney represent you at a formal hearing of a school board or other authority if you are threatened with a job action, such as a termination, suspension, reassignment or demotion. You also will receive up to $4,000 for legal fees, subject to a $100 deductible, if you decide to sue because of the job action and the judgment in the suit is in your favor. Of that $4,000, $750 is available to you regardless of the suit's outcome.

This plan does not respond to criminal actions (except as noted below), corporal punishment where prohibited by law, or to acts or omissions with respect to work carried on as a part-time private consultant. This plan will not cover psychological services rendered by you as a part-time private consultant or if you have a full– or part-time private psychological practice.

Three Additional Features!

After a $100 deductible, the plan pays 90 percent of your attorney’s fees if you are accused of the following:

A suit demanding non-monetary relief (Up to $35,000 for defense costs

Sexual abuse provided you are found not guilty or the charges are dismissed ($50,000 per Insured, per claim, subject to a $100,000 aggregate limit).

Criminal charges rising out of corporal punishment provided you are found not guilty or the charges are dismissed ($10,000 annual maximum)

The insurance provided by this plan is in excess of any other valid and collectible insurance or indemnity you might have with regard to the claim, including coverage provided by your school district and/or school board.

For more information, call the office of the Higher Education Partnership at 334-832-9911 to be put in touch with an insurance consultant.

Who’s Eligible?

Regular coverage — any Level III member of the Higher Education Partnership who is a W-2 employee of an educational entity; i.e., school, university, or college. This must be your main occupation. Owners and board members are not eligible for coverage.

Only registered nurses, licensed/certified school psychologists and physical therapists, performing medically related teaching or services in the normal course of their duties as an employee of a school, are eligible for coverage.

What’s My Coverage Amount?

Your coverage provides $2,000,000 for all claims and a policy aggregate limit of $3,000,000 for all claims against members of the Association. Defense costs are paid in addition to this amount!

Your plan will provide coverage for claims brought AT ANY TIME, as long as the occurrence that resulted in litigation occurred while your Educators Professional Liability policy was in effect. You’ll be covered even if you’ve dropped the coverage – as long as your coverage was in force when the incident happened.

Any Questions?

Call (334) 832-9911.

A surplus lines tax is included in your premium. This plan is available only to members residing in the United States and the District of Columbia.

This plan becomes effective on the date you become a Level III member of HEP.

This contains only a brief description of the Educators Professional Liability Plan and is not binding on the company. The actual coverage terms and full details are contained in the certificate of insurance you will receive. Please read the certificate carefully and refer any questions to the plan administrator.

Commonly Asked Questions about HEP’s $2 Million

Liability Insurance Policy

The following are a few questions asked of the insurance administrator concerning the professional liability policy.

Q. If a student is injured while under my supervision, will I be protected from a lawsuit?

A. Yes. For both your lawyer’s costs and any damages awarded against you.

Q. Am I covered for lawsuits based on sexual harassment or abuse?

A. Yes! The policy provides up to $50,000 to reimburse your attorney’s fees provided you are found to be not guilty or the charges are dropped.

Q. If a student or employee sues me for violating their Civil Rights, am I covered?

A. Yes, and this is an important feature of HEP’s protection. The NEA policy has a $250,000 limitation for lawsuits alleging Civil Rights violations. The HEP policy has no such limitation.

Q. Will this policy pay damages or judgments if I lose a lawsuit?

A. Yes, as long as the lawsuit arises out of your educational activities and the cause is not excluded.

Q. What kind of things are not covered by this policy?

A. Criminal acts for which you are found guilty.

Activities not arising out of your educational activities.

Intentionally inflicting bodily injury, except corporal punishment.

Q. What happens if my job is “on the line?”

A. An important feature of the HEP policy is the job protection benefit section. If you are threatened with termination, suspension, reassignment, or demotion - our plan provides for consultation with an attorney, and it will pay for the cost of having an attorney represent you at a formal hearing of a school board or other authority.

Q. The NEA says that your policy is “limited” in coverage. Is that true?

A. All insurance policies are “limited” to the amount of liability, including the NEA’s. However, membership in the HEP provides you with an individual policy which means the limit of liability is $2,000,000 per occurrence. You will receive a personal certificate with your name as the insured.

This flyer contains only a brief description of the HEP plan. The actual coverage and full details are contained in the policy and Certificate of Insurance you will receive. For more information about our Professional Liability Protection Plan for Educators, call (334) 832-9911 and ask for a brochure.

Member Cost