Edward Dyer
Mutual Benefits Assocate
Outlook November / December 2019

Customer Connect

would like to begin by wishing all of my fellow letter carriers Happy Holidays. On October 1, 2019, a new year began for the Customer Connect Program. In the meantime, Midtown Station has since generated the target revenue goal of one hundred thousand dollars. The only thing they need now is to reach their target participation goal of 18 carriers. They currently have 5 carriers and need 13 more carriers to participate to be at 100%. Morris Heights, Throggs Neck, and Old Chelsea have also generated revenue. Williamsbridge is doing great as far as participation goes and currently is at 43%, not bad since the year just began. Many stations are getting those leads in and I would like to say thank you for taking the time to seek out possible new revenue. Our target goal for the program is one hundred thirty-five million dollars. I am confident that if we keep participating, then this goal will one day be reached. As a reminder when you’re out shopping for those holiday gifts, if you come across a vendor that does not have the Postal Service as one of their shipping options, submit a lead. Ask if they are interested in saving money and as a plus, we offer free shipping. Maybe a new business recently opened up or has special deals to offer. EDDM is a great way to get the word out. Let’s keep up the good work. We are gaining revenue with each and every lead. HAPPY HOILDAYS TO YOU AND YOUR FAMILY!
Have you guys ever thought about how you are going to provide for your family when you’re gone? Most of us don’t think about things like that. With one of the NALC MBA Life Insurance Plans, you can still be there financially for your loved ones when you are gone. The rates are low and you can choose from a variety of life insurance plans. They are a few different ways that you can sign up. One way is to go online at NALC.org. Once on the site, look for the section Buy Life Insurance. Once there, it will lead you to Mr. Yates’ article where you can learn more and find applications. You must select the application and then the state you live in. Then select life insurance to get the application. You need to print and fill it out and send it to the address on the application. Another way is to stop by the branch to ask for an application, or call the branch and leave your name, station, phone number and policy you are interested in so I can get that application out to you. The phone number is 212-239-3901. NALC membership is required to apply for the MBA insurance plans.
Outlook September / October 2019

Customer Connect

I just want to thank all carriers who were able to identify customers who were interested in using the Customer Connect Program. With your help, the program has generated $2,038,852. We have until September 30, 2019 for the program to reach its target goal of $2.7 million dollars. I have faith that we will be successful and meet that goal.

The following is a list and shout out to those who submitted successful leads generating revenue which contributed to the $2,038,852. I look forward to even more participants next year.

Manhattan Stations:
Ansonia - Respert, V.; Colon, M.; Cedeno, S.; Rodgers, P.; Amin, B.
Cathedral - Lopez, A. / Cooper - Ellis, D.
FDR Parcel Post Annex - Turner III, D.
Fort George - Tolentino, V. / Gracie - Giraldo, M.
Hellgate - Castillo, A.; Velazquez, H.; Kendell, D.
JAF - Shivdayal, J.; Asanalieva, E.
Midtown - Liao, J. / Murray Hill - Burgos, E.; Mance, Q.; Townsend, S.
Peter Stuyvesant - Chan, K.; Nunez, F.
Radio City - Gavin, A.; Brown, T. / Vincent R Sombrotto - Vargas, M.

Bronx Stations:
Boulevard - Miranda, J. / Co-Op City - Morales, K.
Highbridge - Brown, K. / Morris Heights - Farrah, G.; Robles, M
Wakefield - Berrios, A.; Velazquez, D.
Williamsbridge - Smith, D.; Harvey, R.; Valenzuela, E.

Once again on behalf of the union and fellow letter carriers, thank you.

The Mutual Benefit Association revised its life insurance policies for letter carriers and their family members on September 1, 2019.

The revised policies include:
• MBA Whole Life / • MBA Whole Life Paid-Up in 20 Years
• MBA Whole Life Paid-Up at Age 65
• Independence (Single Premium) Whole Life
• MBA 10 Year Renewable and Convertible Term Life
There are some interest rates on MBA policies. These interest rates remain in effect from Jan. 1, 2019, through Dec. 31, 2019.
Below is a list of products and rates:
• Universal Life* — 4% / • Interest Sensitive Whole Life* — 4.5%
• Deferred Annuities — 4% / • Flexible Annuities * — 3.25%
• Life Dividends Left on Deposit — 3% / • Newly issued Supplemental Contracts* — 3%
• Death Claim interest on proceeds — 3%

Outlook July / August 2019

Customer Connect

Fellow carriers, we are approaching the last few months of the fiscal year and moving closer to our target goal. We have been doing well, but with a strong push over the next two months we can do much better.

Whether you believe it or not, our local community businesses depend on our services, in the same way that we depend on their business. Oftentimes, they don’t realize how instrumental we can be to their businesses until we provide that much needed information or service. Small businesses do count on us to help them grow, and we are the bloodline to their overall success.

EDDM is the perfect way to advertise for a low affordable cost. Our shipping services are the best and most affordable way to get something moving, no matter the location.

The general public is unaware that UPS and FedEx use our services so their packages reach their final destination. In a few months, FedEx will be delivering 7 days a week, and at that time, we will stop delivering their packages. I am confident FedEx will have a hard time matching our exceptional services.

In a few months, our contract will be up. Let’s show the postal service that we are not just letter carriers. We are the backbone of the postal service. Our power and influence within the communities we serve are exactly what keeps the postal service thriving. The revenue that we generate through this program shows that we are a valuable asset to our customers and to the postal service as well.

If you know a friend, family member or a customer that needs our help in growing their business or is interested in saving money on shipping costs. I urge you to submit a lead to a Customer Connect coordinator or shop steward.

Did you know the MBA Whole Life Insurance plan can be paid up in 20 years? You can obtain this plan for yourself or a family member from 0-80 years of age and the coverage can be from $10,000, to as much as $100,000. For as little as $5.70 to $405 you can acquire that much needed peace of mind. Your premium will remain the same for 20 years whether you pay monthly, annually, or bi-weekly under MBA’s automatic payroll deduction plan. A portion of your premium is allotted to build cash value so that over time your cash value will grow. You can get the money when you finish paying your premiums or at any time you feel that you no longer need this life insurance policy. You may also borrow against your cash value policy at a low interest rate. The MBA Life Insurance plans are affordable, dependable and simple.

Remember it’s never too late to start a plan for the future, whether it’s for you or a family member. If you need more info please contact the branch or go online at Nalc.org/mba. Get started today!

Outlook May / June 2019
Customer Connect
Did you know that June is “Leads” month? This month happens to be the time of year that we ask all carriers to try and bring in at least one lead for the end of the 3rd quarter cycle. Right now, the Customer Connect Program is way behind in generating revenue and we need some help.

The program has generated $793,000 thus far. Our target goal is $2.7 million for the year and regrettably we are currently falling short. The fiscal year is over at the end of September; therefore we only have four months to reach our targeted goal. We trust this goal will be met if everyone participates and gets involved.

Our contract is up in September and our joint efforts now can mean a good bargaining chip when it comes time for our union to negotiate our contact with the postal service. We want to be in the best position possible when it’s time to sit down at the bargaining table and gaining revenue is of great benefit to the United States Postal Service. Just like athletes, who at the end of their contract put up the best stats possible are awarded a great contract; we must put forth the same effort. Let’s get our numbers up and fight for our fair share. Driving in revenue benefits us all.

Mutual Benefit Association
I would like to inform our CCA members about the Mutual Benefit Association Retirement Program. Many carriers may not even be aware that CCAs were not offered the same opportunity to jumpstart their retirement savings when they began their postal service career. Thank goodness that our union was able to create a program to help get them started on their path towards retirement. It’s called the NALC CCA Retirement Savings Plan.

The first things to consider are how much do you want to contribute and how do you want to do it. One simple way is to pay through automatic payroll deductions. A minimum of $15 per pay period is required. You may also increase that amount and/or be billed monthly or annually. Secondly, you will have to decide if you want to grow your money in a Roth IRA or a Traditional IRA. Thirdly, you will be asked to choose how you want to receive your Retirement Savings. The options available are: monthly payments for as long as you live, a joint annuity payable during the joint lifetime of two people, or a lifetime annuity with a guaranteed minimum of 5, 10, 15 or 20 years. You can even make emergency cash withdrawals after the first year; subject to certain minimums and limitations of course. Once you get converted to regular, you can then transfer your money into the Thrift Savings Plan.

Hopefully, I have given you enough information for you to get started. If you need more information, please don’t hesitate to ask your steward to contact me so that I can send you a pamphlet.

Outlook March / April 2019
Customer Connect
I would like to begin by introducing myself. My name is Edward Dyer and I am the Customer Connect Coordinator for Manhattan. I would further like to mention that it has been my pleasure visiting stations to see, hear and speak to the members about the program. Hearing concerns and offering help has been an enjoyable experience for me. By explaining the program’s power, I hope the message is clear; it is in our best interest to get involved. If we can get at least 1 lead per carrier we can be successful. New York is the land of opportunity and revenue can be found everywhere we look. No lead is too small or too big. All carriers are encouraged to find a lead on their route, but may also submit a lead from anywhere in the United States. If you have a friend in a different state who you feel will benefit from the program, please submit that lead.

EDDM is only 19 cents a flyer and we can also help save customers on shipping costs as well. Submit a lead! Together we can show the Postal Service how much we mean to our customers by their participation. Participation is the key to our success. Stay involved.

MBA was established for the benefit of letter carriers to obtain additional Whole Life Insurance and Hospital Plus policies. One benefit of being a member is that you insure not only yourself, but your family members also. Eligible family members include spouses, children, stepchildren, grand and great grandchildren and/or parents.

There is also a Retirement Savings Plan to consider. CCAs are also eligible to start a retirement plan, which can be transferred to a Thrift Savings Plan once you are converted to full-time status. Remember, it’s a great way to start planning for your future!

For additional info, you can visit the NALC.org website. On the home page, click on Members Benefits, and scroll down to the MBA link. On the MBA home page you can see and browse through all of the available policies. I am sure you will find one that suits your needs.


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