Pay & Benefits





AFLAC Specified Health Event and Cancer Insurance

To help union members protect their future against catastrophic illnesses, the APWU is pleased to offer Cancer Personal Indemnity and other Specified Health Event insurance coverage. These comprehensive, affordable benefits, made available through American Family Life Assurance Company of Columbus (Aflac), are being offered exclusively to APWU members and their qualifying family members.

These benefits are designed to provide a financial safety net to members should they or a covered family member suffer a serious illness. Both plans will pay cash benefits directly to policy holders, regardless of any other insurance they may have. Members are able to review plan benefits, rates, and apply online

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APWU Health Plan

The APWU offers two great health care options for postal and federal employees and their families.

For more information, visit the APWU Health Plan Web site,, or call or write to:

APWU Health Plan
799 Cromwell Park Drive
Suites K-Z
Glen Burnie, MD 21061
Tel: 410-424-2852

Claims-related correspondence should be sent to:

APWU Health Plan
PO Box 1358
Glen Burnie, MD 21060-1358
Tel: 800-222-2798

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APWU Union Plus Credit Card

The APWU Union Plus Credit Card program offers several credit cards, all designed with competitive rates and to meet the needs of hard-working APWU members and their families.  
Click here to compare cards & apply!

Credit approval required. Terms & Conditions apply. Union Plus Credit Cards issued by Capital One, N.A.

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Federal Employees' Group Life Insurance (FEGLI)

The Federal Employees' Group Life Insurance (FEGLI) covers more than 4 million postal and federal employees and retirees, as well as many of their family members.

Most new federal workers are automatically provided with Basic life insurance coverage under FEGLI. Payroll offices deduct premiums from your paycheck unless you waive this coverage.

In addition to the Basic, you can participate in three Optional FGLI insurance programs. Optional insurance is not automatic, and you must have Basic insurance in order to enroll in optional coverage.

Thanks to postal and other federal unions who helped create this benefit, the government pays one third of the cost of Basic life insurance under FEGLI, and your age does not affect the cost. However, you pay the full cost of Optional insurance, and the cost depends on your age.

FEGLI is operated by a private contractor and is administered by the U.S. Office of Personnel Management.

For information about coverage, see your personnel office the FEGLI pages of OPM's Web site.

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Flexible Spending Accounts

Flexible Spending Accounts (FSAs) allow career postal workers to use pre-tax dollars to pay for out-of-pocket health care, dental, and vision expenses not covered by insurance, including co-payments and deductibles.

Employees can also set up a Flexible Spending Account for dependent care expenses for children and aging parents.

The money withheld for FSAs is not subject to taxes.

There are two ways to enroll. Call PostalEase toll-free at 877-477-3273 or, at a USPS facility, log on to Click on Employee Self-Service, then on PostalEase.

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Mortgage Program

APWU members can take advantage of a wide range of home-buying options through the Union Plus Mortgage program. Designed exclusively for union members and their families, the program makes buying, selling and refinancing a home easier and more affordable.

Financing is provided through Union Plus Mortgage Company, your union-owned mortgage company or Wells Fargo.  Mortgage counselors can help APWU members through the process and answer questions.

Affordable programs include FHA, VA loans, and special programs for first-time homebuyers.

The Mortgage Assistance Program can help homeowners make their mortgage payments if they become unemployed as a result of a disability, layoff, or strike. This valuable program was developed solely for union members by the AFL-CIO — to provide peace of mind for union homeowners.

For more information, click here or call 1-855-864-6653 (1-855 UNION 53) for Union Plus Mortgage Company or 1-800-848-6466 for Wells Fargo.

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Postal Retirement Benefits

The APWU and other federal unions have worked with Congress for many decades to ensure retirement income security for employees who spend their careers in government service.

Today, most postal employees are eligible to participate in one of two federal retirement benefit programs:

The Civil Service Retirement System (CSRS), which provides benefits for most workers hired before 1984.

The Federal Employee Retirement System (FERS), which covers all workers hired after 1984.

Though FERS pays a smaller monthly benefit than CSRS, FERS retirees also receive Social Security and Thrift Savings Plan payments.

Whichever plan you are enrolled in, your retirement benefits are administered by the U.S. Office of Personnel Management (OPM).

Regardless of how many more years you may work before retirement, it's a good idea to understand all the benefits you earn and to plan early.

For complete information about the CSRS and FERS, visit OPM's Federal Retirement Programs Web site,, or visit your USPS personnel office.

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Scholarship Programs

Read the 2019 APWU Scholarship Brochure here. 

The E.C. Hallbeck Memorial Scholarship will award $8000 ($2000 annually) to ten recipients (one male and one female from each of the five postal regions) to apply towards their four-year college tuition.

Vocational Scholarship winners will receive up to $3,000 for specialized training in such fields as culinary arts, medical or dental assistant, electrician, real estate, auto mechanic, certified IT/computer education, cosmetology, or massage therapy, etc. Eligible programs can be of a nine-month to three-year duration.

  • March 31, 2019 is the deadline for the APWU to receive completed applications. 
  • The scholarships are open only to high school seniors.  Applicants may apply for only either Hallbeck or Vocational, not both.

Click here to read about the 2018 APWU scholarship winners.

You can learn more about APWU Scholarships here.

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Thrift Savings Plan

The Thrift Savings Plan (TSP) is an essential component of the three-tiered Federal Employees Retirement System (FERS): A FERS annuity, and Social Security and TSP payments that provide retirement income. TSP investments are also an income source for many retirees who receive Civil Service Retirement System benefits.

By participating in the TSP, postal and other federal workers have an opportunity to save part of their pre-tax income for retirement — and receive matching contributions from the Postal Service. You can decide how much of your pay to put in your TSP account, which fund to invest it in, and how you want to receive your money when you retire.

Additional information about the features and benefits of the TSP is available from your personnel office or from the OPM or TSP websites.

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Union Plus Discounts and Services

Union Plus offers APWU members a wide range of exclusive, money-saving benefits.  You don’t need to join or pay a fee: As an APWU member, you and your family are automatically eligible to receive free Union Plus benefits and discounted services, including:

  • Entertainment Discounts, such as reduced prices for movie tickets and rentals, theme park tickets and more 
  • College Planning Services
  • Pet Insurance and Savings
  • Clothing Discounts
  • Online Tax Services

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Voluntary Benefits Plan

The Voluntary Benefits Plan provides voluntary insurance benefits designed especially for APWU members. It offers disability, life, dental, hospital indemnity and now automobile insurance, as well as numerous other programs.

These benefit plans are available only to dues-paying members of the American Postal Workers Union.


Accident Benefit Association 

The Accident Benefit Association makes provision for the payment of benefits to its members and their beneficiaries in case of temporary disability, dismemberment or death resulting directly from a covered accident; independent of exclusive of other causes.

These benefits plans are available to members, either active or retired, associate members, retirees and their spouses of the American Postal Workers Union.

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