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Post #9095 District 13

The W. Carl Reed Post is located at:
1121 Gamble Road, Little Rock, Arkansas 72211
Mailing Address: P.O. Box 4284 Little Rock, Arkansas 72214-4284
(501) 225-9849 Canteen. (501) 224-8037 Office. (501) 224-8037 FAX.


THE VETERANS OF FOREIGN WARS OF THE UNITED STATES IS PROUD
TO PRESENT THESE MEMBER BENEFITS:


Burial Benefits Insurance Program

This plan will help members' families to pay for funeral and burial costs. Members and spouses
age 40-80 are guaranteed acceptance, with no health questions asked. The benefits range from
$1,000 burial benefits on the standard plan, up to $5,000 burial benefits with the deluxe plan.
Benefits are doubled for accidental death and tripled for motor vehicle accidental death.

Medicare Supplement Plans

The VFW sponsors three new Medicare Supplement Insurance Plans which meet  all the requirements
and fulfills your insurance needs. These plans  of recent legislation are not yet available
call or write the VFW for more information in all states but availability.

Simplified Issue Term Life Insurance Program.

This One Step Term Life Insurance plan is economical, and easy to enroll in. To apply for 
coverage, just complete the application. A medical examination isn't required. Once you are 
enrolled, Your Premiums Will Not Increase Due To Your Age And Your Benefits Will Never Decrease.
Also, this plan pays benefits in addition to any other life insurance you may have and your 
spouse is eligible to apply for coverages well.

$1,000/1,500 Personal Accident Protection Plan Provided By The VFW 
at No Cost to Members.

Effective January 1, 1993, every VFW member in good standing is covered for $1,000/$1,500 
Personal Accident protection at No Cost to the member. Under the "all risk" part of this Plan,
members under age 70 are insured for $1,000; members age 70-74 are insured for $500 and members
age 75 and older are insured for $250. An additional $1,500 benefit is payable to members under 
age 70, if death due to a covered accident occurs while the member is a fare paying passenger
on any public conveyance for hire while traveling to, from or while attending any VFW-Sponsored 
event. Members age 70 - 74 receive $750 and members age 75 and older receive $375 in additional 
benefits. The maximum benefit payable is $2,500. Ask your Post Quartermaster for a Beneficiary 
Designation Form to assure that benefits are paid to the person or persons of your choice. 
Without this Form on file at National Headquarters, benefits are paid to your estate,
which could make them a taxable item.

$25,000, $50,000 Or $100,000 Voluntary Personal Accident Protection

In addition to your $1,000/$1,500 basic No Cost coverage,you may enroll for additional 
VFW-Sponsored Personal Accident Protection at economical group rates. This Plan protects you 
round-the-clock' anywhere in the world. Benefits are paid for covered accidental death or
dismemberment within one year of the date of the accident. Family coverage is also available.
The benefit amount you choose reduces by 50% at age 70 and an additional 50% at age 75.


Up To $50,000 Group Term Life Insurance

Most members under age 76 may apply for up to $15,000 in Simplified Issue Benefits at
economical group rates.Once insured, the member may apply for Spouse and/or
eligible dependent child(children) coverage, and (depending on age) may apply for up to
$50,000 in additional coverage.

/b>Hospital Benefit Plan

VFW members under age 65 may apply for one of six daily benefit options: $20, $40, $60, 
$80, $100 or $150 A-Day. Members age 65 or over have three daily benefit options to
choose from: $20, $40 or $60 A-Day.  Spouse and/or dependent child (children) coverage is 
also available.

Up To $55,260 Cash Value Life Insurance

Depending on age, a member or spouse can apply for up to $55,260 in benefits, with 
double benefits paid for accidental death before age 65. This is whole  life insurance
which builds cash value. A member or spouse under age 65 are guaranteed acceptance for
one unit of coverage.

National Life Insurance

A member or spouse may apply for up to $65,105 of decreasing term life insurance while
under age 60. When you reach age 60, you can elect coverage under a special Plan which 
becomes paid-up with no further payments after age 69.  Dependent child(children) coverage is 
also available.

Cancer Expense Assistance Plan

This Plan provides scheduled benefits to help with the cost of treating cancer. You are 
guaranteed acceptance if you have never had cancer, regardless of age. Hospital, nursing,
chemotherapy, doctor, drugs, surgery and other costs are covered up to the limits of the policy.

Post Accident Plan

This Plan pays a lump sum benefit for loss of life and/or limb due to an accident. Posts have
a choice of two Plans to choose from with annual payments as low as $1.65 per member.  Available
through your post.
CHAMPUS Supplement Plan

The CHAMPUS Supplement Plan, available to CHAMPUS eligible members, their spouses and 
dependent children,  was designed to pay most, if not all, of the deductible,  co-payments 
and other allowable charges not covered by CHAMPUS. The Retiree Plan offers coverage for 
eligible members, their spouses and dependent children. The Active-Duty Dependent Plan offers
coverage for eligible dependents of Active-Duty members. Each Plan offers a selection of
In-patient and Out-patient coverage or In-Patient coverage only. Eligible members and/or 
their eligible dependents are guaranteed acceptance in this outstanding Plan.

$1-A-Week Term Life and Accidental Life Insurance

Members and spouses age 40-74 are guaranteed acceptance for up to 5 units, a total of 
$52,000, depending on age, of combined term life and accidental death insurance for $1 a
week per unit. The rate will not increase and the benefits will not decrease. As long as 
you continue to pay the premium, this very economical insurance stays in force until
age 80.

Birthday Life Insurance Plan

This insurance plan provides three way life insurance protection for one economical rate 
that members and spouses age 40 through 80 can lock-in for life at "pre-birthday rates".
Once enrolled, members are covered by a whole life benefit that builds cash value, an
accidental death benefit that pays twice the whole life face amount and a motor
vehicle accidental death benefit that pays triple the whole life face amount. The rate 
never goes up and the benefits never go down with coverage renewable for life.


Hospital Insurance Plan

VFW members, spouses and all dependent children are guaranteed acceptance for this plan
that pays $50.00, $100.00 or $150.00 a day hospital benefits and $20.00 a shift for 
nurse-at-home care. If member and spouse are both simultaneously hospitalized due to the 
same accident, each receives double benefits for up to two years, when under age 65. Double 
benefits are also payable for confinement in an intensive care unit of a hospital.


Return of Premium Cancer Insurance Plan

Any VFW member or spouse who has never been diagnosed with cancer can enroll for this 
insurance plan. This coverage provides 11 important supplemental benefits the to help pay 
cost of cancer care in and out of the hospital, including  private nursing, and more. If
after ten consecutive years you never need to use this coverage, you receive a full
refund of all premiums paid.

VFW-Sponsored Intensive Care Unit/ Coronary Care Unit

This plan is available to members and spouses age 18-80. The insurance plan pays $225.00 a
day for CCU and ICU stays each. Benefits are also paid for ambulance services associated with
the CCU or ICU stay. And because this is supplemental coverage,  benefits are paid 
over and above any other coverage you have.

VFW-Sponsored Juvenile Life

This supplemental insurance plan is available to member's, children or grandchildren age
3 months to 15 years. The insurance plan starts with $5,000.00 in coverage, and doubles 
when the child turns 21. At age 21, the child can then purchase $20,000.00 of additional
coverage at the rate for that age. At age 28 another $20,000.00  can be added at  child 
the premium for a 28 year old. In effect, the coverage "grows" along with your or grandchild,
with no increase in premium until age 21.

VFW-Sponsored Hospital Accident Plan

The VFW-Sponsored Hospital Accident Insurance Plan was designed just for that purpose.
This supplemental coverage provides cash benefits if hospitalized due to an accident
for members and spouses age 18-80. Benefits are reduced 50% for children and those
over age 65. Benefit amounts start at $100.00 per day and go up to $400.00 per day.


VFW-Sponsored Accidental Death & Dismemberment

This supplemental Insurance plan is available to members and their spouses, ages 18-75, 
and their children. The coverage offers two family options, with a maximum benefit of
$500,000.00. Benefits reduce 50% on the Insured's 80th birthday.


VFW Sponsored Vehicle Insurance Plan
10% discount for members over age 50.
15% discount for safe, mature drivers of low mileage vehicles.
5% discount given automatically after 3 years of no-fault accidents.
Up to 15% lower combined premium for insuring more than one vehicle.

VFW Sponsored Home and Personal Insurance Plans  

VFW members can receive a free, no- obligation price quote by calling, Toll-Free:
1-800-847-2886. Call For VFW Home Insurance Plans also.  Increased protection for personal 
property $100,000 in additional liability for you and your  "Thrifty fifty"  or 10% 
discount for people 50 years older if you own a condo or rent  Underwritten by National
General Insurance Company, a General Motors Insurance Company  Rated A+ one of
America's leading insurance company analysts  Over 4,000 claims representatives nationwide.
For more information and availability call toll-free 1-800-
VIP-SAFE (1-800-847-7233).
You will be assured of the best available air fares, hotel rates, and car rental prices.
 VFW Travel Service will assist you with: Complete travel arrangements for business
 or vacation travel Special package tours,both domestic and international  Discounts on Amtrak 
travel of travel-related services and savings by calling one toll-free number.
 
    

For more information, write:

     VFW Travel Service,
     406 West 34th Street,
     Kansas City, Mo 64111,

or call TOLL-FREE: 1-800-325-9377, anywhere within the
Continental U.S. Hours are 8:30 a.m. to 5:30 p.m., Central
Time, any business day.

VFW-Sponsored Purchase Power Benefits

All VFW members are eligible for these outstanding consumer benefits - which let you save
money and get special perks when you buy products for your household or for gifts.
Enjoy impressive savings on the national brand merchandise you'll buy anyway 

major appliances              golf equipment
home electronics              musical instruments
furniture & lighting          vacuums
china, crystal & flatware     sewing machines
sports equipment              luggage
jewelry                       hearing aids
cars/vans/ pick-ups           health care supplies
magazine subscriptions        pianos & organs


VFW-Sponsored Discount Eyewear Program


VFW Members and their dependents can save 20% to 60% off retail eyewear prices and 
20% on contact lenses and other items. There are over 6,000 locations nationwide that
participate in this program through special arrangements with Eye Care Plan of America 
Most Montgomery Ward, J.C. Penney and Royal Optical Centers, Sears, are ECPA locations.
For other ECPA chain and independent locations, call Toll-Free: 1-800-841-1220.

There's no registration fee to take advantage of this service and no application to 
fill out.A VFW Membership Card is all you need.
 

Discount Moving Services

Through special arrangements with NORTH American VAN LINES and ATLAS VAN LINES, VFW members  
can take advantage of the benefits and discounts normally reserved for large companies
on interstate moves.

Call NORTH American VAN LINES Toll-Free: 1-800-397-3700 to find out how you can save up 
to 45% on your interstate move, plus take advantage of the FREE VALUATION PACKAGE
Or contact your local VFW Coordinator.


VFW VISA Card

Through special arrangement with First USA Bank, members may take advantage of the no annual
fees VFW VISA or VISA Gold cards with a low variable rate. Designed especially for
VFW members, the VFW VISA" Cards are among the best credit card values on the market today.
 To request an application, call TOLL-FREE: 1-800-FIRST-USA (1-800-347-7887).


AMOCO Motor Club

VFW members can now join the Amoco Motor Club and have savings and peace of mind at home and on
the road! You'll receive 25% discount off regular membership on the first year's
enrollment. You get peice of mind with one of the finest emergency road and towing services
available by calling toll-free 24 hours a day, 365 days a year in all 50 states. And up 
up to 60% hotel and motel discounts.And maps and trip routing designating the fastest or most
scenic route to your destination at no  additional charge. Also lost key/lockout protection.
car rental savings. Theres much more, including a single toll free number for 
answers to questions about your membership. All you have to do is call 1-800-992-2VFW 
to take advantage of this special offer. (New memberships not available to residents of
California).


These fine Voluntary Member Benefits are available to each and every member of the VFW.
We hope you'll agree that our package of services and benefits is among the best, if not
the best, available through any other organization.


YOUR GUARANTEE OF QUALITY

These VFW-Sponsored Member Benefits have met the requirements of National Headquarters
for quality, fair pricing and service after the sale, and are the only Programs of their 
kind to be awarded the Official VFW Seal of Approval.



For More Information E-Mail Ron Helton here.


You are Visitor Number  

Last updated on May 29,1998


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