DIPP Raises Maximum Benefit To $300/Day!

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.