Union Plus designs programs using the collective buying power of unions that enable them to offer a variety of quality, discounted products and services exclusively to working families. The AFL-CIO created Union Privilege in 1986 to provide union members and their families with valuable consumer benefits. Today, the company staff of Union Plus monitors each program to ensure that the unique needs of working families are being met. While Union Plus offers its services to all AFL-CIO unions, each union decides which Union Plus programs it would like to participate in and offer to members. Working families enjoy perks from Union Plus like competitive interest rates, product discounts and superior health care. Programs even have special features for union members, like the Union Plus Credit Card skip-payment in the event of disability or layoff.