The Discipline Income Protection Program (DIPP) is your union’s premier worker assistance program that protects a member suspended, dismissed, or removed from service by the carrier for alleged violations of rules or operating procedures.

SMART-TD is committed to continuing its excellence. In the past year, DIPP trustees have reduced assessments by 33%, eliminated the graduated benefit day structure and reduced the waiting period for benefit increases. Additionally, the program has paid participants over $4 million in benefits in their time of need.

Another improvement in the program is more convenience in the enrollment process. New participants can enroll online either on their own or with the assistance of their local Regional Insurance Manager or DIPP representative.

DIPP is all about members helping other members and looking for reasons to support its participants facing the loss of income due to a carrier’s heavy-handed attempts to punish them.

More information about DIPP

Enroll online

The trustees of the SMART Discipline Income Protection Program (DIPP) are pleased to announce additional improvements to the program in addition to the reduction of assessments that take effect Aug. 1.

Due to the strong health of the program and positive claims experiences reported, trustees have elected to take the measure of eliminating the graduated duration of coverage (benefit days) structure of the program that had been based on the participants active months in the plan.

This means that, beginning Aug. 1, all enrollees in DIPP, new and continuing, regardless of their period of participation (months), will receive 365-day coverage for covered incidents. It should be noted that any claims with an incident date prior to Aug. 1 will be paid out under the plan rules prior to this change.

Additionally, participants electing to increase their benefit level no longer need to wait 12 months from their last increase. Increases are now effective on the first day of the month following 90 days after the increase is received by the DIPP office.

This improvement, paired with the 25-cent reduction in assessments announced in May, is another reason why the SMART DIPP leads the way in providing value and protection to its membership and the nation’s largest rail labor union.

More information, including the SMART DIPP Summary Plan Description reflecting these changes, is available via the SMART website.

SMART DIPP Trustees are General President Michael Coleman, General Secretary-Treasurer Joseph Powell and SMART Transportation Division President Jeremy Ferguson.

The SMART Transportation Division Discipline Income Protection Program (DIPP) is decreasing its monthly assessments from 96 cents to 81 cents per $1 of daily benefits, effective January 1, 2021.
Participants in the Plan may elect to increase their benefit level or modify their coverage at any time by submitting the appropriate form to the Transportation Division office. Next month, SMART-TD will be communicating these reduced assessments to Local Treasurers so that the necessary changes are made to payroll deductions.
This announcement is informational and no action is required on the part of plan participants at this time.
DIPP trustees are SMART General President Joseph Sellers Jr., SMART General Secretary-Treasurer Joseph Powell and SMART-TD President Jeremy R. Ferguson.

As a result of the continued increase in claims volume and associated costs, the SMART Transportation Division Discipline Income Protection Program (DIPP) is increasing its monthly assessments from 81 cents to 96 cents per $1 of daily benefits, effective July 1, 2018.
Members may elect to reduce their benefit level or cancel coverage at any time by submitting the appropriate form to SMART TD. If a member chooses to keep his or her coverage as it is, the current benefit level will remain in place, and members who pay their monthly assessments by payroll deduction will have the higher monthly assessments automatically deducted from their paychecks.
DIPP trustees are SMART General President Joseph Sellers Jr., SMART Secretary-Treasurer Richard L. McClees and SMART TD President John Previsich.
Follow this link to view the updated SMART TD DIPP Schedule of Maximum Benefits.

Delivering on the theme of the 2012 regional meetings – “We will not back down” – UTU International President Mike Futhey told more than 1,000 attendees at the Memphis meeting how the UTU is using every tool available – negotiations, legislative and legal — to defend its members’ jobs and workplace safety.

* On the Belt Railway of Chicago, where the carrier is demanding contract changes to permit one person crews at carrier discretion, the UTU has asked the National Mediation Board to declare a bargaining impasse. Belt Railway General Chairperson Chris Votteler’s negotiating team, assisted by International Vice President Delbert Strunk, faces a carrier that refuses to take crew consist changes off the table – three years following start of negotiations — even though the carrier is party to a moratorium on the issue.

“We will take every action necessary to protect our members’ jobs. We will not stand down on crew consist,” Futhey said.

* As to conductor certification — mandated by Congress and put into regulatory language by the Federal Railroad Administration – Norfolk Southern has filed an FRA-required certification plan without discussion and coordination with general chairpersons.

The NS proposed plan seeks to provide a pilot for remedial training only for conductors who have not traveled over a territory for 36 months, rather than the 12 months required in current agreements; and then seeks to place the burden of notification solely on the conductor rather than tracking the time period electronically. Additionally, the NS plan does not discuss procedures it will follow in an investigation even though FRA regulations require railroads to provide all documents and the list of witnesses prior to a hearing.

Futhey said the UTU will not permit “a tortured interpretation” of congressional and FRA intent, and will work to ensure every railroad follows the letter and intent of the law and regulations prior to the required Sept. 1 deadline for certifying conductors.

* In Pennsylvania, Norfolk Southern is attempting to disregard state safety laws and regulations through federal preemption affecting workplace safety at hump yards. “We will take every action necessary to prevent railroads from weakening workplace safety protections, whether at the state or federal level,” Futhey said.

* Pointing to millions of dollars in fines assessed by the Occupational Safety and Health Administration against railroads that have harassed, intimidated, disciplined and fired workers for reporting injuries and workplace safety concerns, Futhey reminded members that UTU designated legal counsel is pledged to assist in bringing and pursuing such complaints. Information on filing these complaints is available at the UTU website at by searching “OSHA.”

“We are not going to allow carriers to continue their pattern of harassment and intimidation of workers who are injured on the job,” Futhey said. “The FRA and OSHA recently signed a letter of intent to investigate jointly all complaints of carrier harassment and intimidation, and the FRA has informed each carrier of its intent to work with OSHA to end the long-standing practice of carriers disciplining injured workers “where the facts fail to support the charges. We are lawyered up, too, and will take this to wherever we must to protect the interests of our members.”

* Recalling the horrific murder of a UTU-member bus driver in Los Angeles, the fatal shooting of a train-crew member near New Orleans, and assaults on bus operators and intrusions into locomotive cabs by armed robbers elsewhere, Futhey said the UTU is working with lawmakers and regulators to implement better safeguards for its air, bus and rail members. The FRA recently imposed a requirement that all new and remanufactured locomotive cabs be equipped with secure cab locks.

“I promise every member that the UTU will stand shoulder-to-shoulder with our members to ensure their safety. Our voice will be heard,” Futhey said.

As to the state of the union, Futhey said the International’s general fund balance is improving as carriers bring back furloughed workers, that the UTU Insurance Association now has a $28 million surplus and is financially strong, and the Discipline Income Protection Plan (DIPP) is financially sound with more than $10 million in assets.

Futhey emphasized that while competing plans often seek ways to deny payment of claims, the UTU’s DIPP is aggressive in paying claims. Futhey cited an example of two workers on the same assignment on CSX – one covered by the UTU’s DIPP and the other by a competing plan – who were both suspended. “Where the competing plan denied the claim, DIPP paid the claim. End of story.”

As for the UTU’s disability insurance plan covering bus and rail members, Futhey said it has paid out more than $22 million in disability benefits for off-duty injuries and is proving to be a valuable benefit.

As to organizing, Futhey said that since January 2008, when he took office, the UTU has an unprecedented record of organizing one new property every seven weeks. One of the first post-merger coordinations has been the joint strengthening with the Sheet Metal Workers International Association of organizing efforts, which makes greater resources available for organizing transportation, building trades and production workers.

Futhey also explained how the UTU negotiating strategy in national handling has already paid off for rail members covered by the national rail contract.

“When we entered  national rail contract negotiations, our strategy was to hold the monthly cost sharing premium under $200 — rather than allow it to escalate to $300 or more — in exchange for somewhat higher copays,” Futhey said. “The Affordable Care Act now eliminates many of those copays, saving affected members out-of-pocket for many health care services while those members enjoy one of the lowest cost-sharing premiums in the public and private sectors.”

UTU International President Mike Futhey

As the perfectly healthy man told the obituary editor of his local newspaper, “Reports of my demise are grossly exaggerated.”

And so it is with the UTU Insurance Association (UTUIA) and the UTU’s Discipline Income Protection Plan (DIPP).

Vicious and absolutely false rumors are circulating that the UTU and UTUIA are going out of business, and that UTUIA policy holders and DIPP participants should flee to competing organizations.

Not surprisingly, one of these false rumors originated with a competitor to DIPP.

The plain dealing truth is that neither the UTU nor the UTUIA are going out of business.

The UTUIA, which is wholly owned by its policy holders and regulated by the Ohio Department of Insurance, is doing business as usual. There is no change in the status, service, or security of the UTUIA. UTU General Secretary & Treasurer Kim Thompson reported earlier this year that the UTUIA earned more than $400,000 from operations in 2010 and remains financially strong with nearly $26 million in surplus.

Similarly, DIPP is its strongest in years. Participants in the DIPP also should keep in mind – and this has been consistently and frequently proven – that the DIPP is steadfast in looking for ways to pay claims of participants, while non-UTU plans are known to look for ways to avoid paying claims.

In addition to the UTU DIPP being the largest and most effective discipline income protection plan, it is the only program of its kind regulated by the Department of Labor – publishing financial statements, holding its funds in trust and audited annually by a public accounting firm.

The UTU, the UTUIA and the DIPP are alive and well and will continue to serve UTU members. Don’t allow mischievous and self-serving rumor mongers upset your financial security.