SMART VSTD (VOLUNTARY SHORT-TERM DISABILITY)
The Voluntary Short-Term Disability (VSTD) plan, self-funded by SMART and administered by Southern Benefits Administrators, Inc., provides a basic “safety net” of coverage for members and is designed to work in combination with state-mandated disability programs.
Coverage pays for up to 52 weeks per years and is for off-duty accidents and illness. The monthly cost of coverage is collected through payroll deduction.
New SMART TD members will be enrolled automatically unless they choose to opt out of the plan by submitting a waiver form to the SMART TD office.
Additional plan documents and information are available in the Member Portal.
SMART VLTD (VOLUNTARY LONG-TERM DISABILITY)
Voluntary Long-term Disability (VLTD) insurance helps TD members who live in the United States protect their income if an accident or illness puts a sudden stop to a member’s ability to work and helps to ensure that bills will be covered and families will be provided for in the event of an accident or illness.
SMART Transportation Division members now have the chance to get up to five times the prior guaranteed coverage in the union’s VLTD plan. Beginning March 1, 2023, Sun Life Financial took over administration of the VLTD Plan and provides the 24-hour coverage plan participants enjoy with up to $5,000 of guaranteed approved tax-free coverage. Only U.S. residents are eligible to participate in the VLTD program.
Open enrollment for SMART-TD’s Voluntary Long-Term Disability (VLTD) and Voluntary Group Life (VLIFE) plans has begun for both bus and rail members and runs through Sept. 28, 2023.
For plan inquiries or to enroll: