
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:
- Option 1: Complete the Online Request Form
- Option 2: Contact your Regional Insurance Manager or Field Supervisor.
- Option 3: Email DIPP_TD@smart-union.org.
For more information, visit smart-union.org/td/dipp.
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