Long-term disability insurance for rail members
Effective April 1, 2016, the SMART Transportation Division has entered into a new contract with MetLife Insurance Co. to provide the group voluntary long-term disability (VLTD) plan for all rail members.
Member coverage and premiums remain the same with our new provider.
Members who missed the 2015 open enrollment deadline will be subject to pre-existing condition screening, a medical exam and approval.
Members have two options for enrollment into the VLTD plan. For rail members, Part “A” allows the member to purchase coverage to protect their income should they become disabled after a 238-day elimination period with a monthly benefit of 50 percent of salary to a maximum benefit of $7,000. Part “B” contains the same 238-day elimination period, but offers a monthly benefit of 60 percent of salary up to a maximum benefit of $7,000.
Additional questions should be directed to your regional field supervisor or to the VLTD hotline at (866) 753-3632.