Open enrollment for the SMART-TD VLTD and VLIFE plans begins for rail and bus members

June 28, 2024

SMART-TD is pleased to announce that the open enrollment for the Voluntary Long-Term Disability (VLTD) and Voluntary Group Life (VLIFE) insurance plans has begun. This will be the only opportunity this year for members to get protected.

The last date for enrollment is Aug. 23, 2024, to be covered for a Sept. 1, 2024, effective date. This opportunity is open only to members who are not current participants in the SMART-TD VLTD or VLIFE programs.

Coverage highlights


  • Protects members’ income if they cannot work due to injury, illness or surgery.
  • Tax-free benefits — no medical exams/questions required to enroll.
  • Up to $5,000 of monthly benefits for up to 5 years.
  • Benefits start paying after the SMART VSTD stops — 238 days for rail members and 365 days for bus members.


  • Members can elect up to $250,000 with no medical exams/questions required.
  • Benefits double in the event of an accidental death.
  • 24-7 on- and off-the-job protection.

Members can explore options such as cancer insurance, accidental death & dismemberment, and hospital indemnity insurance via the UTUIA.

Members can learn more and enroll by visiting

Thank you for your dedication.

In solidarity,

SMART Transportation Division