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The information on this web site is provided as a courtesy by the APW Accident Benefit Association. The APW Accident Benefit Association takes reasonable steps to keep information on this site as current and accurate as possible. The information and content is provided "as is", however, and the APW Accident Benefit Association disclaims any express or implied warranty or representation about its accuracy, completeness or appropriateness for a particular purpose. You assume full responsibility for using the information at this site, and you understand and agree that the APW Accident Benefit Association is neither responsible nor liable for any claim, loss, or damage resulting from its use. The material and content accessible from this site is the proprietary information of the APW Accident Benefit Association or the party that provided the content to the APW Accident Benefit Association. The APW Accident Benefit Association and any parties providing content to the site retain all right, title and interest in the content. Accordingly, the content on this site may not be copied (except for your personal use), distributed, republished, uploaded, posted or transmitted in any way without the prior written consent of the APW Accident Benefit Association.

The mention of specific products or services at this site does not constitute or imply a recommendation or endorsement by the APW Accident Benefit Association, unless it is explicitly stated. Information on the web site may be improved, deleted, updated or otherwise changed without notice.

The APW Accident Benefit Association name, logos, service names, design marks and slogans are the trademarks or service marks of the APW Accident Benefit Association, in which it retains all right, title and interest. You may use this site for purposes expressly permitted by this site. You are not authorized to use this site or any APW Accident Benefit Association name or mark in any advertisement, publicity or in any other commercial manner, without prior written consent of the APW Accident Benefit Association.

The APW Accident Benefit Association web site gathers routine usage information for statistics and security purposes, such as how many people visit the site, the pages visited, and length of time a visitor spends on the site. The APW Accident Benefit Association monitors and collects this information on a random, anonymous basis, which means no personal identifiable information is associated with the data. This data helps us to improve the site content and overall usefulness for visitors. By using the information, text, graphics, software and other content that make up this site, you consent to such monitoring.

This site contains hypertext links to other web sites as a service to members. Such web sites are not sponsored or endorsed by or affiliated with the APW Accident Benefit Association, which has not reviewed and has no control over the content, accuracy, relevance, timeliness or the availability of these sites. The APW Accident Benefit Association assumes no responsibility for the privacy practices of such web sites. These links are provided for convenience and reference purposes only. The APW Accident Benefit Association is not liable for any information or materials contained in them. The inclusion of such links is neither intended nor understood to constitute any implied or express approval or acceptance of the timeliness validity or accuracy of the information contained on such sites. It is the responsibility of the user to examine the copyright and licensing restrictions of linked pages to secure all necessary permission. You understand that the APW Accident Benefit Association cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses or other code that may manifest contaminating or destructive properties.

By accessing this site, you are indicating your acknowledgement and acceptance of the terms of its use. The APW Accident Benefit Association reserves the right to modify this legal disclaimer and privacy policy at any time by updating this posting. Your use of this site after such changes are implemented constitutes your acknowledgement and acceptance of the changes. If you have questions about the privacy statement or the practices of this web site, you should contact the ABA National Director, James McCarthy at (603) 330-0282.

In no event shall the APW Accident Benefit Association, or any other third parties mentioned on this Internet site, be liable for any damages arising out of the use, inability to use, or the results of use of this site, any Internet sites linked to this site, or the materials or information contained on all such sites. The APW Accident Benefit Association makes no commitment to update the information contained on this site and, as such, the information on this site is not guaranteed to be current.

The information contained on the APW Accident Benefit Association Web site does not constitute financial or legal advice. You should not act (or refrain from acting) based upon information found here without obtaining professional guidance from an appropriate financial, legal or other advisor or source regarding your particular facts and circumstances. Directors of the APW Accident Benefit Association are available to discuss offerings outlined on this site. The APW Accident Benefit Association expressly disclaims all liability with respect to actions taken or actions not taken based on the content of this Internet site. The APW Accident Benefit Association and any entities mentioned herein (including entities for which an Internet link is provided) expressly disclaim all liability for any losses, claims, injuries, or damages-whether direct, indirect, consequential, incidental or otherwise-arising from the use of any information contained on this Web site.

Medical Information: It is not the intention of APW Accident Benefit Association to provide specific medical advice. Specific medical advice will not be provided, and APW Accident Benefit Association urges you to consult with a qualified physician for diagnosis and for answers to your personal questions.

These Terms of Use will be governed and interpreted pursuant to the laws of the State of New Hampshire, without regard to its conflict of laws principles. You specifically consent to jurisdiction in New Hampshire in connection with any dispute between you and APW Accident Benefit Association arising out of these Terms of Use or pertaining to the subject matter hereof.

You indemnify and hold the APW Accident Benefit Association, its content providers, service providers, employees, agents, officers and contractors ("Indemnified Parties") harmless from any breach of these Terms of Use by you, including any use of the content other than as expressly authorized. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses and attorneys' fees of the Indemnified Parties in connection therewith, including claims brought by third parties arising out of your use of the information accessed from this site.

WHAT IS REQUIRED IF I GO INTO A NON-PAY STATUS

1. If you are a Value Plan member (on dues check-off) in a non-pay status, you will be covered by the ABA for up to 90 days. If you continue in a non-pay status after 90 days, you must submit your assessments to the ABA in order to remain in good standing.

2. If you are an Advantage Plan member (on dues check-off) in a non-pay status, you will be covered at the Value Plan rate for up to 90 days and will only be responsible for paying the difference between the Value and Advantage Plan rate. If you choose not to pay the difference, you will receive benefits at the Value Plan rate in the event of an accident. After 90 days you must submit your full assessment to the ABA in order to remain a member in good standing.

3. If your spouse is an ABA member (and not a member of the APWU) there is no 90 day grace period for their ABA benefits. In order for the spouse to remain in good standing their assessments must be submitted beginning the first Pay Period in the non-pay status.

4. If you are a PLUS member in a non-pay status you must submit ABA Plus assessments beginning the first Pay Period in a non-pay status to be considered a member in good standing.

Any payment of claims filed for benefits by any member in a non-pay status will be reduced by the amount of said back ABA dues prior to payment(s) being made.