The SMART Transportation Division is excited to announce the first open enrollment period has begun for SMART-TD’s Voluntary Long-Term Disability (VLTD) and Voluntary Group Life (VLIFE) plans for bus and railroad members.
For railroad members, the plans are designed to provide financial protection during lengthy RRB occupational disability or FELA case resolutions. For all members, these plans underwritten by Sun Life are available exclusively for full dues-paying members of SMART-TD and offer comprehensive coverage for our members.
Effective from August 1st, 2023, all members are guaranteed VLTD and VLIFE coverage, regardless of their medical condition.
Here are the key features and benefits of each plan for bus and rail members, respectively:
| Bus members | Railroad members |
| Voluntary Long-Term Disability (VLTD) benefits | Voluntary Long-Term Disability (VLTD) benefits |
| • $5,000 disability coverage enrollment without the need to answer medical questions. • Up to 5 years of tax-free benefits. • 24/7 coverage for covered injuries, illnesses, and surgeries. • Coverage for pre-existing conditions after one year of continuous enrollment. Benefits begin after a 365-day elimination period. | • $5,000 disability coverage enrollment without the need to answer medical questions. • Up to 5 years of tax-free benefits to support you during extended periods of disability. • 24/7 coverage for covered injuries, illnesses, and surgeries. • Coverage for pre-existing conditions after one year of continuous enrollment. • Benefits begin after a 238-day elimination period. • No repayment of VLTD benefits for FELA injury settlements. |
| Voluntary Group Life (VLIFE) features | Voluntary Group Life (VLIFE) features |
| • Guaranteed life insurance amounts up to $250,000 for members, $50,000 for spouses, and $10,000 for dependents under 26. • Equivalent Accidental Death & Dismemberment coverage, with the amount doubled for accidental death. | • Guaranteed life insurance amounts up to $250,000 for members, $50,000 for spouses, and $10,000 for dependents under 26. • Equivalent Accidental Death & Dismemberment coverage, with the amount doubled for accidental death. |
In addition to the VLTD and VLIFE plans, SMART-TD also offers extra protection options through UTUIA (United Transportation Union Insurance Association), effective from September 1st, 2023. These options include Cancer Insurance, Accidental Death and Dismemberment Insurance and Accident and Hospital Indemnity Insurance.
To enroll in the SMART-TD VLTD plan, please visit www.smart-vltd.com. If you require any assistance during the enrollment process, you can reach our dedicated Customer Service Center at (224) 770-5328.
Please note that only members who are not currently participating in the SMART-TD VLTD plan are eligible to enroll at this time. Members who are already enrolled will have an opportunity to enroll at a later date.
It’s important for interested members to review the complete details and terms of the plans to make an informed decision about their coverage. This first open enrollment period ends on July 27, 2023.
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