Elimination period waiver for VSTD extended into November

Dear Member:
As many of you may recall, the SMART Voluntary Short Term Disability Plan temporarily suspended the Elimination Period for COVID-19 (Coronavirus) disabilities. In an announcement to you dated April 15, 2020, we communicated that the Elimination Period was being waived for any COVID-19 (Coronavirus) disabilities beginning in the months of March, April and May 2020. In an announcement dated June 17, 2020, we advised that the Plan would be extending the waiver for three (3) more months through August 2020.
We are pleased to announce that the waiver of the elimination period is extended through November 30, 2020. So, effective with all diagnosed COVID-19 (Coronavirus) disabilities beginning in the months of March through November 2020, the Plan’s Elimination Period will be waived. Members must usually be disabled for 21 days before benefits will begin on the 22nd day. This is known as the Elimination Period or Waiting Period. We are waiving this Waiting Period for positive COVID-19 (Coronavirus) disabilities. This change will expedite and increase benefits for approved applicants so that you will have immediate access to money. The Waiting Period will be reinstated for COVID-19 (Coronavirus) disabilities beginning on and after December 1, 2020.
We are pleased that the Plan can take this action on your behalf. We wish you and your family health and wellness during these trying times.

Sincerely,
Board of Trustees
Mr. Joseph Sellers Jr.,
General President SMART

Mr. Jeremy Ferguson,
President-SMART Transportation Division

Mr. Joseph Powell,
General Secretary-Treasurer SMART

The SMART Voluntary Short Term Disability Plan is administered by:
Southern Benefit Administrators, Incorporated
P.O. Box 1449
Goodlettsville, Tennessee 37070-1449
Toll-Free: (844) 880-1071, Fax: (615) 859-0201
View this announcement in PDF form.