Financial Planning and Support

NEA Retirement Specialists

NEA Member Benefits vetted and approved financial advisers support all HSTA members through free, members-only financial workshops, life stage solutions programs designed to meet the investment needs of members throughout their lifetime, and free local financial planning consultations and portfolio reviews. As an HSTA member, you have access to the following:

  • Complimentary consultation for retirement planning (Do I have enough to retire? When can I retire?)
  • ERS estimates (How much will my pension be?)
  • Social Security optimization (When is the best time to take out Social Security?)
  • Portfolio reviews (Is my portfolio too aggressive, too conservative, or just right?)
  • NEA-endorsed 403(b)s
  • Advice on budgeting

For more information, call (808) 951-7185.

NEA MB Student Debt Navigator

As an educator, you may be able to have all or part of your federal student loans forgiven. HSTA members can take advantage of NEA’s online Student Loan Forgiveness Navigator powered by Savi. Get a complete list of repayment options and federal loan forgiveness programs based on your personal information for free and avoid common pitfalls, like unnecessary debt consolidation or ineligible loan payments.

Higher Education

Hawaiʻi Pacific University

Hawaiʻi Pacific University has flexible online and evening courses and is now offering HSTA members a 40-percent tuition discount for newly enrolled undergraduate students and a 30-percent discount for graduate or certificate programs. Members also have their application fees waived. Students who earn their master’s degree can use their credit hours toward reclassification.

NEA Member Benefit Loans

NEA MB wants to help make college dreams come true. Supporting both members and their families with their NEA Undergraduate Loan Program, NEA Parent Loan Program, and NEA Graduate Loan Program.


Hawaii Homeownership Center

Interested in purchasing a home, but don’t know if you have the resources? Purchasing a home doesn’t have to just be a dream. Find out how to make your dream a reality, including how down payment assistance programs can help you become a homeowner even sooner. How do they work? What are the qualifications? What is required? How do I apply? HSTA is partnering with the Hawaiʻi HomeOwnership Center (HHOC) to provide informational online workshops for members to instill hope that homeownership can still be achieved in Hawaiʻi.

HSTA Welcome Home Mortgage Program

HawaiiUSA Federal Credit Union presents the HSTA Welcome Home Mortgage Program to provide HSTA members stronger financial security through affordable and simple mortgage financing for their new purchase or refinance. HSTA members are eligible for benefits including:

  • As low as 3-percent down payment with mortgage insurance,
  • Flexible qualifying ratios and income limits,
  • Closing cost credit of 1 percent of the loan amount, and
  • One-time free interest rate float down.

Borrowers may not have an ownership interest in any other residential property within or outside the state of Hawaiʻi within the last three years.


NEA Member Benefit Insurance

Help protect those you love with a range of quality life insurance plans, all at a member-only group rates. All members receive:

  • Complimentary life insurance and accidental death and dismemberment coverage.
  • An NEA guaranteed issue life insurance plan where members 45+ cannot be turned down and are guaranteed coverage with no health questions.

NEA Pet Insurance

Protect your pet against accidents and illnesses with plans that start under $1 a day.

NEA Group Hospital Income Insurance Plan

If you’re 64 and younger, you can receive up to $1,000 per day in addition to your other health insurance benefits when you’re in the hospital for an injury or illness. Acceptance is guaranteed for HSTA/NEA members, their spouse or domestic partner, and dependent children.


HSTA VEBA Trust offers incredible group rates. Save as much as 75 percent off market rates on health and wellness benefits for HSTA members and their families. Plus, receive completely subsidized long-term care base plan coverage when you enroll in another HSTA VEBA Trust plan.

Professional Support

$1 million NEA Educators Employment Limited Liability Insurance

The NEA Educators Employment Liability (EEL) program offers free professional liability insurance for members only at a savings of $1,500–$2,500 annually. It is designed to protect association members from personal financial liability for most incidents arising out of their educational employment activities or duties. The EEL Program provides insurance coverage for a variety of situations which results in injury to someone other than members, e.g., student injuries, charges of educational malpractice, or corporal punishment.

National Board Certification candidate support

HSTA offers year-long candidate support for members working on their national board certification. NBCTs receive $5,000 annual incentive and certification costs paid upon completion, and an additional $5,000 bonus for select schools. You can start your national board project in years one and two, but cannot submit until year three.

SHiNE (Supporting Hawaii’s New Educators)

SHiNE (Supporting Hawaii’s New Educators) is an HSTA program for members with up to three years of experience teaching in a Hawaii public school. If you are new to the profession or new to Hawaii’s public school system—or would like to help those who are—and want more information about SHiNE, please email

*You must be an active HSTA member and logged in with your registered account to view this link.

Professional Development

Discounted members-only professional development courses can save you more than $1,000 compared to university courses. This unique program offers high-quality professional development courses designed for teachers to support your professional growth and allow you to reclassify for raises worth thousands of dollars. Each course requires a deposit that is returned once the portfolio for the course has been submitted, as long as funds are available.

Lifestyle and day-to-day living

NEA Member Benefits

NEA Member Benefits (MB) offers over 100 solutions to help you meet your personal and professional challenges. Each program offers exceptional value and quality and is chosen specifically for our members.

Member Discounts

Exclusive savings for HSTA members from classroom supplies to travel discounts.

NEA Attorney Referral Program

The NEA Attorney Referral Program provides HSTA members and their family with affordable access to legal help for personal matters. HSTA members can take advantage of two free 30-minute consultations during the calendar year and a savings of 30-percent off the normal fee in certain areas. Before attorneys can help our members, they are approved by both NEA and HSTA and must agree to provide services at convenient times outside education employees’ normal work days, discuss fees before they provide services, and accept payment by installment payment plans.

*You must be an active HSTA member and logged in with your registered account to view this link.