Union plus program for Discounted home heating oil and Mortgage Programs – Union Plus is a nonprofit organization and a consumer benefit organization that has been created as well as endorsed by AFL-CIO. The mission of the organization is to improve the overall quality of life for the union members including their family members and provide them valuable service and benefits that strengthen their ties to the union and contribute to a smooth labor movement.
Are you concerned about paying your home heating bill or missing a mortgage payment because you are laid off, disabled, on strike or logged out? Union Plus Home Heating Oil And Mortgage Assistance Program will protect you in times of your need. Members of the labor union can sign up for a home heating oil discount program and save money. The Union Plus Home Heating Oil Program partners with HEAT USA organization to provide members with discounted or free service contracts. This guide will throw light on how you can save money by enrolling for the free union plus heating oil and mortgage assistance program.
Highlights of this Post
What Kind Of Benefits Does Union Plus Provide?
The Union Plus provides a wide array of benefits to union members such as the following:
Union Plus provides union members including their family members several financial products in every step of their financial life for instance Union Plus credit cards, personal loan programs and prepaid cards.
Union Plus offers insurance products for instance home, auto, life, retirement health and pet insurance.
Home And Auto Programs
Union Plus provides exclusive union member savings as well as discounts for their auto and home needs for instance auto purchase and mortgages
The health plans include discounts on vision, dental, alternative healthcare and hearing services for union members.
Union Plus offers excellent educational programs to eliminate student debt and help union members earn a degree for free when they enroll in one of the college programs of Union Plus. They can also get a union plus scholarships to reduce their financial burden.
Union Plus offers hardship benefits to union members if they have fallen on hard times for instance disability, on strike, being laid off etc. If you are unable to pay for your heating oil expenses due to financial constraints you can opt for hardship help.
Shopping And Discounts
Members and their family members are eligible to receive cash-back shopping discounts in the United States. This helps them with monthly wireless phone bills or everyday purchases and even going to the movies.
The travel benefits of Union Plus are designed to make travel cheaper for union members with exclusive discount deals on car rentals, hotels, vacation tours and attractions.
What Is A Union Plus Home Heating Oil Program?
If you sign up with Union Plus you can get a rebate for buying energy-efficient and new home-heating equipment for instance boilers or burner units. There are other efficient free energy conservation measures designed for union members as well as utility bill assistance grants from the organization.
The Union Plus discounted heating oil program offers free or discounted home heating oil. There are eligibility criteria for applying for this program and getting benefits from the program.
The union members who heat their homes with heating oil can sign up for the program to get home heating oil at reduced prices. Furthermore, the union members will get more help from the program. They will get mortgage help from Union Plus.
If you sign up for the program today then you will get a discount on the purchase of new and energy-efficient home heating types of equipment. You will get help to save up to $100 on the purchase of boilers or burner units.
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Who Are Eligible To Receive Union Heating Oil Discounts?
A lot of low-income families and individuals living in the Midwest or Northeast America can sign up for the Union Plus home heating oil program.
The union members who heat their homes using heating oil and the residents of the Boston MA area, Connecticut, New York, Ohio, Maryland, New Jersey, Southern New Hampshire, Northern Virginia, Michigan Rhode Island can sign for the Union Home Heating Oil Discount Program.
This free heating oil discount program is designed for low-income families who are living in extremely cold weather states of America and use heating oil to warm their homes. Apart from the heating oil discounts union members are also eligible to receive mortgage health from Union Plus.
You can connect to the Heat USA program at 1-800-660-0691 or dial 1-888-432-8872 to learn how to apply for the program. Once you join the heating oil program you can contact the preferred heating supply in your neighboring area.
What Are The Benefits Of the Union Plus Home Heating Oil Discount Program?
- Candidates who sign up for the Union Plus Home Heating Oil Discount Program receive a certificate of a defined amount of assistance with free heating oil.
- Candidates can access one of the largest local dealer networks of home heating oil cooperatives. The HEAT USA and Union Plus work simultaneously with a wide network of heating oil providers, companies and drivers.
- Members can obtain a discount of up to $10 on the first year’s membership fee. Union Plus members have to pay around $15 for the membership instead of opting for a $25 annual membership fee.
- Union members can save an average amount of $100 to $500 every year on their home eating costs. They can save money every year and this is equivalent to up to $0.25 per gallon.
In addition to the above-mentioned benefits, discounted or free home heating or service contracts are available for the members of the Union Plus who have a membership to the program. The program provides a 24-hour emergency service including annual cleaning and tune-up of clients’ heating units.
What Is The Mortgage Assistance Offered By Union Plus?
Union members of the organization Union Plus are eligible to get affordable mortgage assistance loans during a period of strike, unemployment, lockout or disability. Union members participating in the Union Plus Mortgage program can get mortgage assistance through the Mortgage Assistance Fund.
This one is designed exclusively for the labor and union members including the immediate family members for instance parents, children and spouses. The fund has assisted union members of the organization with several million dollars in the form of grants and interest-free loans to working families whose income has been reduced due to factors like reduction in hours, lockout, strike, disability or job loss.
What Are The Benefits Of Union Plus Mortgage Assistance?
Involuntary unemployed individuals, disabled people or those involved in short-term strikes or lock out for less than 30 days can apply for assistance in the form of interest-free loans or cash grants through the Union Plus Mortgage Assistance program.
Following are the benefits that you can receive through Union Plus Mortgage Assistance Programs:
- Individuals can receive grants up to $1000 which need not be repaid
- Affordable loans are provided to cover at least six months of mortgage payments and candidates have to recertify in the mortgage assistance program after three months
- On receiving interest-free loans candidates can repay the loan four months after the last assistance check they received.
- In case you have decided to sell or refinance your home you need to repay the loan at the time of the transaction.
However, one can also get help in the form of strike benefits from the Union Plus Mortgage Program in various conditions. The program works and helps the people who have organized labor and union members or if they are involved in the Union authorized strike or if they are locked out from the last 30 days or more than this, then they will get additional help.
The Union Plus Mortgage assistance program offers help in the condition of:
The Union Plus Mortgage Assistance Program covers the cost of the mortgage payment, from the starting of the first mortgage payment that is due after the 30th day of the strike or lockout. It covers the mortgage payment for up to 6 months from the starting period.
The best thing is, that these mortgage benefits are not required to be repaid. But these are the benefits that are given in the form of grants and just for one time. That means one can get these grants only one time for strike or lockout during the entire period of their mortgage.
What Are The Eligibility Criteria And Documents Required For Union Plus Mortgage Assistance Programs?
Individuals who have had a Union-Plus home mortgage for a year or more and are currently navigating financial difficulties can obtain assistance through the organization’s unique mortgage assistance program that is administered through the AFL-CIO mutual benefit plan.
Following are the eligibility criteria for mortgage assistance for union members
- Union members should have a union plus mortgage for a minimum of one year
- Union members or their eligible cosigner are out of work due to involuntary unemployment, disability union approved strike, lockout etc.
- The income loss of the union member has occurred within a year of their application
- The income of the union member or their eligible cosigner income must be reduced by an amount equal to or at least 50% of the monthly mortgage payment.
To apply for Union Plus Mortgage Assistance Programs you need to have the following documents.
- The current union plus mortgage statement that has to be submitted along with the printed application
- The gross monthly disability or unemployment benefits before tax for instance workers’ compensation, sickness and accident benefits etc.
- Submit your current email address and contact information in your application form including the last day you have worked, the name of your union and the local number.
Union Plus Mortgage Loans presently are available in the United States of America only and currently, the loans are not available in Guam, Canada, the Virgin Islands or Puerto Rico. Union plus mortgage program is available to the following
- Spouses parents and children of the union members
- Retired labor union members
- Labor union members of participating unions
The Union Plus has several programs to help people in their difficult times. But all the programs have limited funds and resources to help the families. Apart from this, it is also true that their grants and programs help several families. Even the requirements of the program could be changed from time to time, so when someone needs to apply for the grant program, then they have to first check the requirements whether there are any changes made or not.
What Happens If Union Members Experience Sudden Income Loss?
Candidates who refinance or buy a home through the Union Plus Mortgage program and experience any loss of income can turn to the Union Plus Mortgage Assistance program. The program offers interest-free loans as well as grants to enable candidates to make mortgage payments provided they are unemployed, disabled, locked out or on strike.
Over the entire life of the Union Plus Mortgage Assistance Program, the nonprofit organization Union Plus has assisted people with more than $12 million assistance to eligible union members. It is important to note that the first $1000 of the Union Plus Mortgage loan benefit is a one time lifetime grant that need not be repaid. On qualifying for the assistance program you can receive an additional one-time grant of $1000. If you have any questions related to mortgage assistance you can dial 800-472-2005.
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Union members can save an average amount of $200 to $300 every year on home heating oil and even get help with mortgage assistance if they are facing financial hardship. The AFL-CIO designed the Union Privilege in 1986 to provide union members and their families with amazing consumer benefits. Union Plus Privilege helps to provide strength in the marketplace and offers the best benefits through the collective purchasing power of millions of union members. The Union Plus Programs are designed exclusively for working families and help them to get discounts that they deserve including assistance in the form of strike grants, disability benefits and hardship help. Only if you are a retired or a current union member can you participate in Union Plus Home Heating Oil and Mortgage Assistance programs.
To enhance your understanding of various assistance programs and grants that can help you in times of need and improve your living situation, explore our Get Government Grants’ Blog section today.
Frequently Asked Questions
What is the Union Plus Heating Oil Program?
The Union Plus Program works with the partnership of USA organization HEAT. They can provide the free or discounted services contract and also offer the heating oil at reduced prices to needy people. The program provides the members best offers for heating oil. Eligible families can save up to $200-$300 per year and can save 15-25 cents per gallon. They can save money on the purchase of fuel oil over a year.
What is the Union Plus Mortgage Program?
The Union members who participate in the Union Plus Mortgage Program will receive mortgage help from The Mortgage Assistance Fund. They will get a housing facility and live in a safe environment. The families who are working at reduced rates because of disability, job loss, reduction in hours, strike, or a lockout, will get help with the mortgage assistance funds.