Lost Your Insurance Benefits?
We Got Them Back For You!

Our association works hard to protect your pension AND your insurance benefits. This is one of the main advantages of being a member and one of the main reasons we are here for you!

Thanks to our trusted partner, Association Member Benefits Advisors (AMBA), members are eligible for exclusive supplemental insurance. Get special group rates on dental, vision, long-term care, cancer, heart, stroke, life insurance, and other policies.

If you’ve had trouble getting supplemental insurance at a reasonable rate, here’s your chance! Best of all, it's easy - you can enroll online or by phone.

OR CALL 877-810-6334 Mon‑Fri 8am‑5pm CT

Image And Text Image


So many plans don’t let you choose your own dentist, and many have long waiting periods before you get coverage. The good news? We’ve fixed all that:

  • See any dentist you want. You're not required to stay inside the network.
  • No waiting periods during open enrollment.
  • Access providers nationwide. There are 400,000 providers to serve your needs, whether you're at home or traveling the U.S.
  • Routine cleanings & exams. Routine cleanings and oral exams twice per calendar year are 100% covered.
  • Low deductible: just $75 per calendar year per person, which can be applied toward fillings, crowns, x-rays, anesthesia, oral surgery, perio-cleanings, root canals, dentures, and other procedures as shown below.
  • High calendar-year maximum. $1,500 for the Platinum plan and $1,000 for the Gold Plan. With Dental Rewards® you can carry over a portion of your unused maximum to the next benefit period, up to a maximum of $2,500 for Platinum and $2,000 for Gold.
  • Save 20 - 40% if you pick a dentist in the Ameritas Dental Network. Find one at findproviders.net or call Ameritas at 888-239-3336.
  • Guaranteed rates, all the way through September 2020.

OR CALL 877-810-6334 Mon‑Fri 8am‑5pm CT


Without a vision plan, the average exam and glasses cost more than $450. This comprehensive plan from Vision Service Plan (VSP) can save you hundreds of dollars, not to mention the health of your eyes. Benefits include:

  • One-stop convenience. Our network of doctors provides eye exams and eyewear to take care of all your vision needs.
  • Low monthly rates: about $12/month for you and about $21/month for you and a spouse or dependent.
  • Big savings on frames: $150 allowance for a wide selection of frames and $170 for featured frame brands, with 20% savings on the amount over your allowance.
  • Nationwide access to thousands of experienced optometrists and ophthalmologists in rural and metropolitan areas throughout the U.S. Find a VSP doctor at ream1951.vspforme.com or call 800-877-7195.
  • Easy copays: Just $15 for an exam every 12 months with a $25 copay for prescription eyeglasses or frames covered up to your allowance once every 24 months.
  • Contacts are covered. A contacts exam is covered once every 12 months instead of eyeglasses. Apply the $150 allowance to the cost of your contacts and the lens exam.
  • Extra discounts and savings. Save 20% on additional glasses and sunglasses!

OR CALL 877-810-6334 Mon‑Fri 8am‑5pm CT

Image And Text Image
Image And Text Image


Long Term Care Insurance: Many people need custodial care at some point in life - at home, assisted living, or nursing home.  Unfortunately, many people wait to plan for this until it's too late, causing financial difficulties. Here's your chance to not be one of those people.

Medical Transportation Services: When an emergency arises, chances are you'll need medical transportation. This policy can cover the cost of air and ambulance transport, 24/7/365, while at home or traveling anywhere in the world, protecting you from financial loss.

Cancer Insurance: Even if you have medical coverage, chances are it won't cover all your expenses in a crisis like cancer diagnosis. The deductibles, co-pays, travel, and other costs can pile up. This policy can pay a lump sum upon diagnosis of internal cancer or malignant melanoma.  

OR CALL 877-810-6334 Mon‑Fri 8am‑5pm CT


Get the coverage you need to continue to live your way in retirement!

  • Medicare Supplement Insurance
  • Life Insurance
  • Heart/Stroke Insurance
  • Annuity Insurance
  • And More 


Image And Text Image
Image And Text Image


Steve Rittenberg and Needham Financial has helped 1000's of Educators with their retirement planning needs since 1996. If you have any questions regarding your retirement, long term care insurance (discounts for Educators), annuities or our seminars, do not hesitate to contact us. srittenberg@needhamfinancial.com


Ronald Siggens of Boston Hill Advisors is a Fee-Only, Independent financial planning, investment management and educational workshop company.
Ronald has specialized in helping individuals and families who are retiring from MTRS for 20 years. He is the son of a retired teacher and has a passion for helping people make great decisions regarding their retirement.

REAM offers many direct benefits to its members which include discounts on goods and service including home, car and long-term care insurance; healthcare services and travel and leisure opportunities. Below are brief descriptions of some of the benefits available to our members. More specific information can be obtained by contacting the REAM office or the benefit sponsor directly.

BENCHMARK SENIOR LIVING is leading the way in senior living communities. Let Benchmark help you explore senior living options. With a mission centered on a commitment to providing personalized services to our residents, our professionals add quality to the lives of seniors each day.  Discounts are available to REAM members for monthly rental option in any one of our 45 NE communities.  Contact us at http://benchmarkseniorliving.com/assisted-living or (781) 489-7100.

BOSTON HILL ADVISORS provides educational seminars and financial planning and investment advice. For a complete list of services, visit their website or call Ron Siggens at (617) 501-6664.

EMERGENCY ASSISTANCE+  Accidents and medical emergencies happen when you least expect. Protect you and your family with the Retired Educators Association of Massachusetts Emergency Assistance Plus Program for just pennies a day. You’ll get medical assistance that’s invaluable: Emergency Medical Evacuation, Transportation Home, Travel Assistance, Personal Security Services and many other benefits! Best of all, as a REAM Member, you are GUARANTEED low group rates and cannot be turned down. For more information visit us on the web or call toll-free 1-877-850-0251 (Mention REAM) and one of our friendly Customer Service Representatives will assist you.

HEAR IN AMERICA offers discounted services on hearing exams and auditory aids. To register for this benefit, contact (800) 286-6149 or visit www.hearinamerica.com. The group affiliation is Retired Educators Association of MA.

LIFELOCK  Your identity makes you unique. LifeLock, an industry leader in identity theft protection, uses the patented LifeLock Identity Alert system† to help ensure you remain the only you. As an RMEF member, you’re entitled to a special offer and 10% off. That’s just $9.00 a month or $99.00 annually for LifeLock Standard™ service. Call 1-800-LIFELOCK (1-800-226-3682) and mention promo code AFFINITY15 or visit online by clicking here.

MUTUAL OF OMAHA GUARANTEED ACCEPTANCE WHOLE LIFE INSURANCE  Guaranteed Acceptance Whole Life Insurance from United of Omaha Life Insurance Company, a Mutual of Omaha Company.  Wish you could add up to $25,000.00 to your family’s financial safety net?  Now you can—with no medical exam — GUARANTEED!  You can now easily add $3,000.00…$5,000.00 … $10.000.00 … up to $25.000.00 in life insurance to your family’s financial protection.

  • No medical exam is needed
  • Available for ages 45 to 85
  • Coverage is guaranteed!

This coverage offers two important guarantees that deliver exceptional value:

  • Your benefits NEVER decrease due to age or changes in your health
  • Your rates NEVER go up because you get older or develop health problems

You can apply for this whole life insurance policy if you are age 45 to 85 and your acceptance is guaranteed.  Help reinforce your family’s financial safety net today with up to $25,000.00 in benefits. For more information or to apply online, click here.

NEEDHAM FINANCIAL offers retirement planning, long-term care, and pre-retirement seminars. Since 1999 they have specialized in working with educators. Complimentary consultations and special discounts (up to 10%) for long-term care insurance for REAM members and their spouses. Please visit PTAA or call (800) 644-3422.

PROFESSIONAL INSURANCE SERVICES, INC (PISI) has been providing quality group and association sponsored voluntary insurance programs for over 25 years.  Comprehensive group dental insurance is provided by Concordia.  Individual, two-party and family plans are available.  Coverage includes all major categories of dental services with no waiting periods.  Vision plans are sponsored through Davis Vision, Highmark’s Vision Subsidiary.  Benefits include a yearly routine eye exam, frames, and corrective lenses.  70% of all members pay little or nothing for their frames and much less than retail pricing for additional options at preferred providers.  No waiting periods for services!  Final expense life insurance provides peace of mind that have taken care of your final expenses so your loved ones won’t have to.  Policies are offered through only “A Rated” carriers.  The premiums are guaranteed never to increase, the benefit will never decrease, and the policies build cash value.  Please contact an insurance specialist for a free, no-obligation proposal.  Information is available online or by calling (800) 382-1352.

Home Systems Protection Plan by TrustedPlace For many people, the home is their most valuable asset.  Make sure your homes systems, appliances, electronics and other home equipment that run your home are protected from costly breakdowns that could unexpectedly end up costing you thousands of dollars.  Members can now take advantage of a special offer to coverage that kicks in when traditional homeowners insurance and warranties fall flat.  Click here to learn more or call us today (855) 742-8722 for a quote.

TRAVELERS INSURANCE  The Retired Educators Association of Massachusetts has chosen Travelers to offer you exclusive savings on auto, home and renter insurance. As a REAM member, you could save hundreds for the insurance you need by switching to Travelers. Here are just a few advantages:

  • Exclusive savings not available to the general public
  • Money-saving discounts, including multi-policy and safe driver
  • Package and coverage options
  • 24/7 claim reporting and customer service

Call Travelers at 1-800-842-5936 for your free exclusive savings rate quote today. Or, click here to learn more. Even if your current policy isn’t up for renewal or you’re shopping for a new car, you can request quotes and participate at any time.


But only if you take the first step. Click or call now.

OR CALL 877-810-6334 Mon‑Fri 8am‑5pm CT