DIPP Benefit Going UP!

$300 Daily Benefit Now Available Through SMART-TD!

SMART-TD Announces Increased Discipline Income Protection Plan Benefits for Railroaders and Bus Operators

SMART-TD is excited to share an important update that aims to provide greater protection for our dedicated members. Under the leadership of President Ferguson, who also serves on the Board of Trustees for the Discipline Income Protection Plan (DIPP), we are proud to announce that effective Jan. 1, 2025, the maximum daily benefit for our DIPP insurance has been increased to $300 per day.

This increase comes at a crucial time for our members. Historically, freight railroads have used disciplinary actions as a strategy to manage headcount during slower seasons, often opting for write-ups rather than furloughs. Our members must be prepared as we head into the traditional slow-down period between the holidays and the spring. When business slows, many of our hardworking men and women may face unwarranted disciplinary actions that could put them out of service—issues that might have previously been met with a warning or a simple acknowledgment of a job well done. Our local officers and General Committees do great work defending members against these trumped-up charges, but in the meantime, there is no reason to allow the railroad to starve our people out.

With the new $300 daily benefit, members can now better safeguard themselves and their families when they face investigations and time away from work. This increase in protection means more financial stability in challenging times, ensuring you have the support you need when it matters most.

This program is crafted not for profit but for the unique needs of our TD members. TD members design it for TD members. We understand the complexities of your work conditions and are committed to providing the best possible support.

We encourage all SMART-TD members to take full advantage of this enhanced benefit. The previous maximum daily benefit was $250. The extra $50 will go a long way toward making our men and women comfortable while out of service rather than just getting by. If you have family obligations or want to be prepared for unexpected challenges, this added layer of protection is here for you.

Thank you for your hard work and dedication to the rail and transit industry. Together, we’ll continue to advocate for the rights and welfare of all our members.

For further details on how to enroll in or utilize the DIPP, please reach out to your local representative or visit the DIPP Information Page.

Stay safe, stay protected, and let’s look out for one another!