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Supplemental Benefits Review for Union Members Nationwide
Clear, unbiased guidance for teachers, trades, first responders, government workers, and healthcare professionals — so you understand, protect, and maximize the benefits you've earned.
3-STAGE UNION BENEFITS FRAMEWORK
Understand
Positioning × Building × Planning
You’ll get a clear breakdown of what you currently have, what continues into retirement, and what stops when you leave your job or change locals.
Protect
Reality × Decisions × Shifting
Identify coverage gaps in life insurance, income protection, accidental benefits, and survivor coverage.
Maximize
Stable × Protected × Tax-Efficient
Review pension options, rollovers (401k/403b/457), family add-ons, and long-term financial protections.
WHY UNION MEMBERS NEED YWAIT
Most Union Members Are Missing Critical Benefits Information —
And Don’t Know It
Many benefits don’t follow you into retirement — even though most members think they do.
No one explains the difference between union benefits, employer benefits, and personal benefits.
Most only receive group meetings or packets — rarely personalized guidance.
Changing employers or locals often means losing coverage without realizing it.
Spouses and children may be underprotected.
Many members believe they can’t use an independent advisor — but they absolutely can.
Your job is to protect your family. My job is to make sure your benefits can do that — clearly, simply, and in a way that empowers you.
YWAIT SOLUTIONS FOR UNION MEMBERS
Simple, Personalized Solutions to Strengthen Your Financial Future
These solutions are personalized, independent, and designed to work with your existing benefits — not replace them.
Whether you have a pension, 401(k), 403(b), TSP, or other employer plan, your decisions today affect your income for decades.
We help you get clear, unbiased guidance so your benefits work for you.
Term, whole life, final expense, AD&D — understand what you have and what’s missing. See what qualifies, what pays out, and how it supplements existing benefits.
For individuals who want control of their investments — but not confusion.
We teach you how to confidently manage your own IRA or brokerage account through a simple, structured coaching system.
When you leave a job or retire, your money shouldn’t sit idle — and it shouldn’t be moved without a strategy.
Safe, smooth, and strategic transitions from accumulation → retirement income.
These solutions are personalized, independent, and designed to work with your existing benefits — not replace them.
Meet Jessica Wade
Retirement & Benefit Specialist
I’m Jessica Wade — a retirement strategist, licensed insurance advisor, and independent benefits consultant. I support union members nationwide with unbiased, personalized reviews designed to simplify your benefits and strengthen your financial future.
No pressure. No confusion. Just a clear strategy for the future you want.
Frequently Asked Questions for Union Members
Do my union benefits continue when I retire?
Not always. Many life insurance, accidental, and income protection benefits end when you retire or leave your employer. A review helps you understand exactly what you keep — and what you don’t.
What happens to my life insurance if I switch locals or jobs?
Employer- or union-sponsored coverage often does not transfer. We review what stays active and what must be replaced so your family stays protected.
Can I work with an independent advisor?
Yes. Independent advisors are allowed and often preferred because we explain your benefits in plain language and help you fill coverage gaps without bias.
Is this review mandatory or sales-based?
No. The review is free, educational, and pressure-free. You receive a full breakdown whether you choose additional coverage or not.
Does my pension affect my insurance options?
Your pension may include survivor benefits — but they may not be enough to protect your family. We help you understand both pieces together.
Can I add or increase coverage anytime?
In many cases, yes. But some benefits can only be added during open enrollment or require qualification. We help you understand your options.
What’s the difference between union benefits and employer benefits?
Union benefits are negotiated. Employer benefits are offered by your workplace. Personal benefits follow you no matter where you go. We help you understand all three.
How much life insurance do union members typically need?
Most need 10–15x annual income, while employer plans usually offer 1x or 2x. This creates a protection gap we help you identify.
Can I cover my spouse or children?
Yes. Most plans allow add-on protection, but the amounts may be limited. We help you compare your options.
What’s the cost of a supplemental benefits review?
The review is completely free. No obligation, no pressure.
What do I need to bring to the review?
Your benefits booklet, pension summary, and any insurance statements. If you don’t have them, we can still complete the review.
Get the Clarity and Protection Your Family Deserves
Free. Confidential. Independent. Designed for union members nationwide .Free. Confidential. Independent. Designed for union members nationwide.
At YWait, we believe everyone deserves a confident financial future — not just the wealthy, not just the financial “experts,” but everyday people like you.
Whether you're planning for retirement, protecting your family with life insurance, or just trying to make smarter business moves, we’re here to give you clear, unbiased advice you can actually use. No jargon. No sales pitches. Just real guidance from someone in your corner.
We serve:
Hardworking individuals and families who want peace of mind
Business owners, educators, tradespeople, and entrepreneurs looking to turn their hard work into lasting security
619.815.8811 | 928.597.3301
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