DIPP Raises Maximum Benefit To $300/Day!

November 5, 2024

New Maximum Daily Benefit Available for DIPP Participants Starting Jan. 1, 2025

SMART Transportation Division and the Trustees of the Discipline Income Protection Program (DIPP) are pleased to announce a new benefit level for program participants. Beginning January 1, 2025, participants can elect a monthly daily benefit of $300 for only $96.

SMART sponsors DIPP, which provides benefits to SMART members who are subject to specific disciplinary measures by their employers.  The Plan is a welfare plan covered by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and is fully funded and owned by its participants…the members! Please click here for a list of suspensions or discharges not covered by the Plan, such as attendance violations.

Program Highlights:

  • Participants can choose from various levels of protection, ranging from $6 to $300 per day.
  • Every participant is eligible for up to 365 days of benefit coverage.
  • DIPP provides crucial financial protection for members when income is at risk due to suspension, dismissal, or removal from service by the carrier.
  • Benefits Paid to Members
    • 2024    $3,251,430     (as of 9/30/2024)
    • 2023    $4,183,010
    • 2022    $4,433,020
    • 2021    $7,093,216
    • 2020    $9,386,400
  • Claim Approval %
    • 2024    90.56%             (as of 9/30/2024)
    • 2023    90.34%
    • 2022    86.04%
    • 2021    85.44%
    • 2020    91.01%

How to Join DIPP or Increase Your Daily Benefit:

For more information, visit smart-union.org/td/dipp.