Nase2008 Premiere Benefits Guide

for your micro-business

2008 Premier Membership

FOR FSR USE ONLY. DO NOT USE IN MASSACHUSETTS. DUPLICATION AND/OR DISTRIBUTION ARE PROHIBITED. ASSOCIATION BENEFIT AVAILABILITY IS SUBJECT TO CHANGE WITHOUT NOTICE AND MAY VARY BY STATE AND MEMBERSHIP LEVEL. 01/2008

The National Association for the Self-Employed (NASE) is the nation’s leading resource for micro-business. Those who join the association discover a broad range of benefits that help the smallest businesses thrive and succeed.

The NASE was founded in 1981 as an organization that offers support, benefits and consolidated buying power. Today, the NASE is 250,000 members strong, and is the largest nonprofit, nonpartisan association of its kind.

About the NASE

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The association helps entrepreneurs successfully meet thechallenges of managing and growing their businesses by:

• Securing focused tools and resources that help them manage and compete more effectively

• Representing the interests of micro-business among legislators in Washington, D.C., on key issues that affect their business and that give these businesses more equal footing with larger corporations

• Providing access to benefits that promote the health and financial security of micro-business owners

About the NASE

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Business Benefits

Featured Business Benefits

Association 105® HRA

ADP Payroll and Small-Business Services

Identity Theft 911®

Professional Consulting

E-Commerce

Legal Club - Small-Business Plan

Business Development Grants

Home Office Protection

• Premier tax-savings program for small businesses• Offered at no additional charge during your first year of

membership• Qualifying members can deduct up to 100% of their health

insurance premiums and 100% of their non-insured medical expenses from state, federal and self-employment taxes

• Association 105 HRA members save an average of over $3,800 in taxes per year

• Do you and your business qualify? • Are you self-employed and married? • Does your spouse help in the business, even part time? • Do you pay for all or some of your family medical expenses?

Association 105® HRA

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• The nation’s largest and oldest payroll company specializing in the smallest of businesses

• Payroll Services: W2 processing, Income Tax filings, check processing, and more!– 20% discount with your NASE Membership

• HR Help Services: Live HR consultants on staff to answer any state HR questions members may have

• Worker’s Compensation Insurance: Simplify the administration of your workers compensation policy using ADP’s Pay By Pay insurance service

• Retirement Services: Need a retirement vehicle for your small business? ADP has many retirement solutions suited for your needs.

ADP Payroll and Small-Business Services


• NASE Premier Members have access to the expert identity theft resolution services at no additional cost

• Identity Theft 911 Resolution Services include:

– Unlimited toll-free access to a personal advocate– Notification to credit bureaus, creditors, collection agencies, etc.– Assistance in filing a police report, creating a fraud victim affidavit and

creating a comprehensive case file for investigative and claims-handling purposes

– A 3-in-1 credit report and one year of credit monitoring– One year of fraud monitoring– A full year of active follow-up– And more

Identity Theft 911®


• Unlimited access from professional consultants at no additional cost.

• No matter what your specific need is, help is just a call or keystroke away.

• General small business – ShopTalk 800®

• Taxes – TaxTalk

• Estate planning – EstateTalkTM

• Accounting and Finance – ABCs of Finance

Professional Consulting


• Create an online store to market your micro-business and products on the World Wide Web

• Fully-functioning electronic commerce store• 12 months of Web hosting included in the cost of your

Premier Membership • And much more

E-Commerce


• The small-business plan provides access to a legal expert for consultation and representation.

• These attorney-provided services are included for no additional charge (retail value $290):

– Monthly review by a plan attorney of up to five documents (10 pages each) – Two initial phone calls per month made on behalf of your business – Up to 10 initial collection letters per month – Consultation for each new legal matter (30-minutes each)

• Capped hourly rate of $89 for out-of-court matters; $109 in courtSome restrictions apply

Small-Business Legal Plan


• Need access to more capital? The NASE wants to help grow your business

• Business development grants worth up to $5,000 are available to Premier Member

• Members must complete a simple application process and are selected on need and strategy

• Over $200,000 has been awarded to members just like you.

Business Development Grants


Coverage, included in your Premier membership, provides extraprotection of your home office.

• Home Office-Business Equipment: – $7,500 per occurrence ($1,000 maximum per item with some special limits) – $1,000 for electrical equipment per policy period – $250 for tools per policy period – $250 deductible per occurrence

• Temporary Business Relocation: – Up to $500 for temporary relocation of your Home Business – Maximum of $250 per month

• Liability: – $20,000 Business Liability Coverage (at residence)

Coverage is excess and is subject to limitations and exclusions.

Home Office Protection


A-Systems Accounting Software – Save 50% off the retail price

Background Screening Services - receive up to 50% off traditional marketprices on pre-employment background screening services

BizFilings – Save $20 - $60 on incorporation services

Burns Graphics – Save 10% - 30% on printing and promotional products

Business Insurance – General liability programs to help protect yourmicro-business

Credit & Debit Card Processing – $295 enrollment fee waived, low processingrate of 1.67% for most businesses

Credit Cards – Low-rate credit cards to help manage your business

DHL Express – Save up to 26% over other overnight carriers

E&O Coverage – Professional errors and omissions coverage at affordable rates

Additional Business Benefits

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Fast Collect – Reduce the number of bad checks received by 30% with thisdiscounted electronic check recovery system

Freight Savings Program – Save on freight cost with a one-time, discountedlifetime fee of $25 – a $125 savings

Micro-Business Resources – Available at www.NASE.org, at no additional cost

MyNASE eLetter – Set-up your free NASE Web account and discover thedifference the NASE makes

National Credit Systems - An easy and effective method for collecting ondelinquent accounts – you keep 100% of the money collected

Penny-Wise Office Products – Receive exclusive savings on over 40,000 items

Pitney Bowes – Make mail processing faster and more efficient for your smallbusiness


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PowerNet Global – Low-rate telecommunication services to fit your needs,call and compare

QuickBooks® – Save 20% on QuickBooks products plus members receivefree shipping

SamplePay® – Reduce your payroll cost by as much as 70% - only $120 peryear for Association 105 customers

Self-Employed Magazine – Your bi-monthly member magazine included inthe cost of membership

TaxCentral – Unlimited access to tax information included in the cost ofmembership

TurboTax Online – Makes filing taxes easy. Members receive a 15% discount

Web Services – Special rates for Web site development and hosting and Web-toprint direct mail services



Lifestyle Benefits

Featured Lifestyle Benefits

Accidental Death Benefit

Life Insurance

Scholarship Programs

Motor Plan

Shopping Mall Coupons

Member Rewards

For no additional cost, your NASE Membership provides you and yourfamily members with Accidental Death Benefits

The coverage will terminate on the earliest of the following dates: for Principal Members, Spouses and Dependents,1) thedate this Policy is terminated; 2) the premium due date if premiums are not paid when due; Or 3) the date the Insuredceases to be a member or any eligible class(es) of persons as described in the Classification of Eligible Persons section ofthe Declarations section of this Policy. Termination of coverage will not affect a claim for a covered loss that occurred

whilethe Insured’s coverage was in force under this Policy.

Insurance coverage underwritten by National Union Fire Insurance Company of Pittsburgh, PA, a member of the AIGCompanies®. The preceding is only meant to be a brief summary and is not a contract. LIMITATIONS AND EXCLUSIONSmay vary by state. Specific details may be found in the actual contract (Master Policy Form SRG 911 1245.) For a copy ofthe Policy, contact the NASE.

Accidental Death Benefit

Premier Benefits Accidental Death Common Carrier

Principal Member $20,000 $30,000

Spouse $10,000 $10,000

Dependent Children $2,500 $10,000

Back to Featured Lifestyle Benefits

Your NASE Premier Membership provides you and your family withBasic/Dependent term Life Insurance Coverage from MetLife for noadditional cost.

Member’s Basic/Dependent Term Life Insurance Coverage includes:

Member $12,000Spouse $ 2,500Dependent Children* $ 500

* Child(ren) Eligibility: Dependent children ages 14 days to 19 years old, or 23 years old if a child is a full-time student, are eligible for coverage. Coverage begins 61 days after membership effective. Member coverage provided until age 60. At age 60 benefits reduce 75% and then cancel at age 65. Coverage which is terminated is subject to a

conversion option.

Life Insurance


Open to legal dependents of NASE Members at no additional cost.

• NASE Future Entrepreneur Scholarship – up to $24,000 Award– The NASE Future Entrepreneur receives a $12,000 scholarship the first

year and $4,000 per year for the next three years as eligible towards college costs

• NASE Scholarships - $4,000 Award– Open to legal dependents of NASE Members, ages 16-24. To apply,

students need to be high school students or college undergraduates planning to enroll in college in the fall semester.

Scholarship Programs


• Included in the cost of your Premier membership• Call to register your spouse and dependents at no extra charge• Emergency Road Service** provides up to $100 of coverage if your

car breaks down or for other services such as: – Towing – Battery boosting – Key replacement – Winching services – Gasoline delivery – Unlocking – Tire changes – On site parts delivery/installation

** The Emergency Road Service benefit does not provide for the cost of a tire, battery, parts or gasoline. Road service

for truck-sized needs is limited to single rear-axle trucks.

Motor Plan


Coupons for the national retailers you shop at regularly!

• Find the best available promotional offers• Create custom printable offers for your favorite stores• Print coupons to take to the store, or shop online!

Shopping Mall Coupons

Back to Featured Lifestyle Benefits Additional Lifestyle Benefits

• Included in the cost of your Premier membership

• Earn rewards just for being an NASE Premier Member. – Initial Rewards Cash Balance of $250 is deposited when members

register online– Additional $50 in Rewards Cash for every month of current membership

• Use Rewards Cash to help save on hotels, magazines, DVD movies, movie tickets, software, airline offers, restaurant offers and more!

• Make selections, view your account history and check your balance at anytime at www.NASE.org.

Member Rewards


1-800-flowers.com – Save 15% on all orders; gift baskets, gourmet snacks,beautiful flowers and plants

Amusement Parks – Enjoy savings at select amusement parks across the nation

Auto Coupon Book – For only $8 per booklet, save on all your auto maintenance,repairs and purchases

Auto Insurance – Special program rates through Nationwide. Not available in AK,HI, LA, MA, NJ, NM

Budget Rent-a-Car – Save 5% - 20% off standard daily, weekly, or weekend rates

Enterprise Rent-a-Car – Receive up to 10%* off standard daily rates

Golf Discount Directory – National Golf Network (NGN) directory only $2.99 each

Additional Lifestyle Benefits

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Grocery Coupons – $1,000 coupon book to select coupons you want for namebrand products you use. One coupon book a year is included in the cost ofthe Premier Membership.

Hertz – Save up to 10% off standard daily, weekly and weekend rates

Hotel Access Card – Included in the cost of your Premier Membership. Saveup to 50% off rack rates at hotels nationwide

Hotel Savings Program – Save 10% off the “Best Available Rate” at thousandsof hotels nationwide

Legal Club Of America – Family Legal Services – For only $59.95 per yearprovides access to free and discounted legal services for you and your family.



Mortgage Lending-Countrywide® – Up to $500 off closing costs forNASE Members

Movie Tickets – Discounts on AMC Theaters and Regal Entertainment

Pet Insurance – A variety of coverage, from accident tocomprehensive illness

PODS – Save 10% on initial delivery and first month storage

Real Estate Transaction Savings – Receive a 20% rebate oncommission when buying or selling



Health Benefits

Featured Health Benefits

CAREINGTON Advantage Card

Dental Discounts

Hospital Advantage Card

Hospital Confinement & ER Benefits

Critical Illness

Assist America®

TelaDoc™

Association Rx Card

Health Insurance Access


To help offset the high cost of health care, many people are turning tomedical fee reduction programs for relief. Simply select the program that isright for you and your family.

• Physician Access Program – $15 per month• Plan A – $15 per month• Plan B – $25 per month

A few important facts:

1. Your membership cards and materials will be sent separately from your NASE membership materials.2. Your CAREINGTON Advantage Card must be presented at each participating provider’s office visit 3. HOSPITAL CHARGES ARE NOT INCLUDED IN THIS PROGRAM 4. This program cannot be used in conjunction with other discount plans or programs

Please note that this is not health insurance and we do not make payments directly to medical services providers. It is discount program, and you areobligated to pay for all health care services. You will receive discounts for medical services at certain health care providers who have contracted withthe plan. This plan is administered by CAREINGTON International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. The program and itsadministrators have no liability for providing or guaranteeing service or the quality of service rendered. Note to Utah residents: this contract is notprotected by the Utah Life and Health Guaranty Association.

THIS IS A DISCOUNT PROGRAM AND IS NOT INSURANCE. DISCOUNTED FEES ARE DUE AT TIME OF SERVICE. Discounts on professional services are not available where prohibited by law. Not available in MT, VT. NEXT

http://benefits.nase.org/show_benefit.asp?Benefit=AACardPhysician

http://benefits.nase.org/show_benefit.asp?Benefit=AACardPlanA

http://benefits.nase.org/show_benefit.asp?Benefit=AACardPlanB


Physician Access Program - $15 per monthThis specific program is designed to save 20% - 45%* on provider services provided at a network of family practice and specialty providers nationwide. Members can save on everything from doctor’s visits to mammograms and lab work. Physician Access Program members saved an overall average of 40% in 2007. *Percentage of savings may be higher or lower depending on procedure codes and provider location.

Plan A - $15 per monthThe Plan A program can save you hundreds and even thousands of dollars when visiting network providers for ancillary health care services such as:

- Dental – 20% - 60% savings - Chiropractic – 10% - 30% savings- Diabetic – 20% - 40% savings - Alternative Medicine –10% - 30%

savings - Long Term Care – 5% - 30% savings - Vitamins and Supplements – 25% savings

- Vision – 15% - 45% savings - And more. . .

Plan B - $25 per monthThe Plan B program broadens your savings by combining the Physician Access Program and ancillary programs of Plan A into one medical savings card program.

Back to Featured Health Benefits




Physician Access Program - $15 per monthThis specific program is designed to save 20% - 45%* on provider services provided at a network of family practice and specialty providers nationwide. Members can save on everything from doctor’s visits to mammograms and lab work. Physician Access Program members saved an overall average of 40% in 2007. *Percentage of savings may be higher or lower depending on procedure codes and provider location.

Plan A - $15 per monthThe Plan A program can save you hundreds and even thousands of dollars when visiting network providers for ancillary health care services such as:

- Dental – 20% - 60% savings - Chiropractic – 10% - 30% savings- Diabetic – 20% - 40% savings - Alternative Medicine –10% - 30%

savings - Long Term Care – 5% - 30% savings - Vitamins and Supplements – 25% savings

- Vision – 15% - 45% savings - And more. . .

Plan B - $25 per monthThe Plan B program broadens your savings by combining the Physician Access Program and ancillary programs of Plan A into one medical savings card program.




http://benefits.nase.org/show_benefit.asp?Benefit=AACardPlanB

• Save 20% - 60% on virtually all dental procedures• Access to over 78,000 providers nationwide• No limits on the number of visits • Procedures range from cleanings and fillings to root canals and crowns • Orthodontics available for both children and adults

• Individual Program – $8 per month

• Family Program – $12 per month

Please note that this is not health insurance and we do not make payments directly to medical services providers. It is aDiscount program, and you are obligated to pay for all health care services. You will receive discounts for medical servicesat certain health care providers who have contracted with the plan. This plan is administered by CAREINGTON InternationalCorporation, 7400 Gaylord Parkway, Frisco, TX 75034. The program and its administrators have no liability for providing orguaranteeing service or the quality of service rendered. Note to Utah residents: this contract is not protected by the UtahLife and Health Guaranty Association.

THIS IS A DISCOUNT PROGRAM AND IS NOT INSURANCE. DISCOUNTED FEES ARE DUE AT TIME OF SERVICE.Discounts on professional services are not available where prohibited by law. Not available in MT or VT.

Dental Discounts


• Hospital stay negotiation services • Save up to 50%* at hospitals located all over the U.S.• Join for only $15 per month• The Hospital Advantage Card materials will be sent separate from

your NASE Welcome Package• Not available in Maryland, Montana, Vermont or West Virginia

Hospital Advantage Card


Negotiated fees are based on services from December 2006 through March 2007. Negotiations vary by location and procedure. THIS IS NOT INSURANCE. This is a hospital negotiation service. You are responsible for paying all fees in advance prior to service. This plan is administered by CAREINGTON International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. Not available in all states including Montana, Vermont, West Virginia and Maryland.

Hospital Confinement & ER

Premier Benefits Hospital Confinement

Accident

Hospital Confinement

Illness

ER Benefit (fractures &

dislocations only)

Principal Member $300/day $300/day $750

Spouse $200/day No Coverage $750

Dependent Children $100/day No Coverage $750

Max. days per year 180 days 10 days Per ER Visit

Benefit begins 1st Overnight Stay 2nd Overnight Stay Upon ER Admission

Insurance coverage underwritten by National Union Fire Insurance Company of Pittsburgh, PA, a member of the AIG Companies®. The preceding is only meant to be a brief summary and is not a contract. LIMITATIONS AND EXCLUSIONS may vary by state. Specific details may be found in the actual contract (Master Policy Form SRG 911 1245). For a copy of the Policy, contact the NASE.

Included in the cost of your Premier membership, this benefit will automatically provide you with protection in the event of unexpected accidents or illnesses.


Critical Illness

• Helps your family and business by providing some financial assistance in the event that you suffer one of the following serious medical conditions:

• Cancer• Heart attack • Stroke• Kidney failure• Bone marrow and organ transplants

• Receive payment of up to $1,000 in each of three different disease categories.


The terms and conditions will be defined by an insurance policy. The policy contact definitions of coverage, limiations and exclusions. The preceding is only meant to be a brief summary and is not a contract.

The following benefits are available to NASE Members at no additional cost when traveling 100 or more miles from home:

• Medical Consultation• Hospital Admission Guarantee• Emergency Evacuation• Medically Supervised Repatriation • Prescription Assistance • Compassionate Visit• Many other services are available, including emergency trauma

counseling, care for minor children, legal referrals, return of mortal remains and more

Note: Any services not arranged by Assist America will not be paid or reimbursed.

Assist America®


TelaDoc is a network of board-certified licensed primary care physicians who diagnose routine, non-emergency, medical problems; recommend treatment and prescribe medication (when appropriate) over the telephone 24 hours a day, 365 days a year.

• Included in the cost of the Premier membership• Physicians diagnose and prescribe medication when appropriate

• Physician updates your medical file based on any reported changes

• Prescriptions phoned into your local pharmacy

• Access to FREE portable Electronic Health Record with HIPAA compliant secure servers

*TelaDoc services are currently not available in Oklahoma or South Carolina.

TelaDoc™

Back to Featured Health BenefitsAdditional

Health Benefits

Access to a pharmacy program designed to save you time and money.The Association Rx Card is accepted at over 43,000 pharmaciesthroughout the United States.

This program offers four tiers of savings:

• Tier I - Preferred Generic Drugs – up to $10 payment • Tier II - Preferred Brand Name and Generic Drugs – up to $20 payment • Tier III - Preferred Brand Name and Generic Drugs – up to $50 payment • Tier IV - Brand Name Drugs with Special Network Pricing

Choose the plan that’s right for you:

• Individual - $13.95 per month • Family - $23.95 per month

THIS IS A SAVINGS PROGRAM AND IS NOT INSURANCE. FEES ARE DUE AT TIME OF SERVICE. Administered byRx Options, Inc., 2181 E. Aurora Road, Suite 201, Twinsburg, OH 44087

Association Rx Card


• Enroll for only $4 per month• Offers the lowest prices on prescriptions drugs at the

time an order is placed

Neighborhood Pharmacy Card


THIS IS A DISCOUNT PROGRAM AND NOT INSURANCE. You are responsible for paying all fees at time of service. Not available in all states. Administered by Caremark, Inc., 7034 Alamo Downs Parkway, San Antonio, TX 78238. THIS IS A DISCOUNT PROGRAM AND NOT INSURANCE. You are responsible for paying all fees at time of service. Not available in all states. Administered by Caremark, Inc., 7034 Alamo Downs Parkway, San Antonio, TX 78238.

• Included in the cost of your membership• Access to savings on prescriptions by mail• No deductibles• No annual maximums• No drug exclusions• No claim forms to file• Order refills via phone or online• Enjoy the convenience of medication delivered right to your door

Mail Service Pharmacy


THIS IS A DISCOUNT PROGRAM AND NOT INSURANCE. You are responsible for paying all fees at time of service. Not available in all states. Administered by Caremark, Inc., 7034 Alamo Downs Parkway, San Antonio, TX 78238.

Health Connection – save 20% - 60% on fitness clubs, self-help programs andalternative medicine

Lab, Diagnostic and Imaging – save 40% - 70% on virtually all lab work andimaging procedures

Vision Discount Plan* – save up to 40% on all your eye care needs *THIS IS A DISCOUNT PROGRAM AND IS NOT INSURANCE. DISCOUNTED FEES ARE DUE AT TIME OF SERVICE. You are responsiblefor paying all fees at time of service. Not available in all states. Vision Discount Plan is administered by EyeMed Vision Care, LLC, 4000Luxottica Place, Mason, OH 45040.

Additional Health Benefits


• The #1 most requested benefit• Securing affordable health insurance is a top priority for micro-

business owners. – Freedom of choice in selection of doctors and hospitals– Choose from many plan options to enhance your coverage– Optional benefits such as dental, visions and Rx plans

Association membership requirements vary by state. Association group plans, whereavailable, require membership. Underwritten by The MEGA Life and Health Insurance Company, Mid-West National Life Insurance Company of Tennessee, and the Chesapeake Life Insurance Company, subsidiaries of HealthMarkets®.

Administrative office are located at North Richland Hills, TX. Exclusions and limitations apply. Plans vary by state. MEGA is licensed in all sates except New York (25875, 25876, 25877, 26025, 26026 or state variation); Mid-West is licensed in all states except ME, NH, NY, VT, (MW-25906, MW-25907, MW-25939 or state variation); Chesapeake is licensed in all states except NY, NH, VT (CH-25907-IP, CH-25939-IPNH.) The companies’ market and plan availability varies by state. Optional benefits require additional premium. ASSO000148 Exp. 12/08

Health Insurance Access


Nase2008 Premiere Benefits Guide

Devices & Hardware