SMART Transportation Division has partnered with MetLife to bring our Rail and Bus members the most comprehensive and cost-effective Voluntary Long-Term Disability plans.
VLTD insurance helps you protect your income if you suddenly have to stop working due to an accident or illness. VLTD helps ensure that you can continue paying your bills and provide for your family if you are unable to work due to an accident or illness.
Open enrollment for the Voluntary Long-Term Disability (VLTD) Plan will be available for active dues-paying SMART Transportation Division Rail and Bus members beginning August 1, 2016, through October 31, 2016, with no medical history information required.
60% Option – Allows rail members to purchase coverage after a 238-day elimination period, and offers a monthly benefit of 60 percent of salary (up to a maximum benefit of $7,000). Cost for Part “B”: $73.88 per month.
50% Option – Allows rail members to purchase coverage after a 238-day elimination period, and offers a monthly benefit of 50 percent of salary (up to a maximum benefit of $7,000). Cost for Part “A”: $51.63 per month.
60% Option – Allows bus members to purchase coverage after a 365-day elimination period, and offers a monthly benefit of 60 percent of salary (up to a maximum benefit of $6,000). Cost for Part “B”: $47.98 per month.
50% Option – Allows bus members to purchase coverage after a 365-day elimination period, and offers a monthly benefit of 50 percent of salary (up to a maximum benefit of $6,000). Cost for Part “A”: $31.50 per month.
Need help deciding how much is right for you?
A good rule of thumb is to buy enough VLTD to cover your essential monthly expenses (e.g., mortgage, food, utilities and car payments). For most people, that is 60-80 percent of their income. To determine your specific needs, use the calculator tool.
In the month of July active members will receive an enrollment package from MetLife, containing plan FAQ’s and an enrollment form.
If for some reason you do not receive an enrollment packet in the mail, call your regional field supervisor or click on the enrollment form below.
Active and retired railroad employees covered under The Railroad Employees’ National Health and Welfare Plan or The NRC/UTU Health and Welfare Plan may be eligible for life and accidental death and Dismemberment benefits from MetLife.
For eligible active employees, the death benefit is in most cases $20,000, and there may be an additional AD&D benefit that could pay up to $16,000. For eligible retired employees, the death benefit is $2,000.
Most employees filled out a designated beneficiary form when they began work for a participating railroad and MetLife urges employees and retirees to keep this form with your other important papers. If you need to update your beneficiary form, or if there is doubt as to whom you designated, it is recommended that you complete a new form and send it to MetLife.
A beneficiary form, as well as a copy of the full summary plan description book, can be found at www.rrinfodepot.com. There is a direct link to that web page from www.utu.org. Hovering over the “Healthcare” tab on the UTU home page will provide you with a drop down menu for the Railroad Information Depot.
You can also obtain information about this benefit by calling MetLife toll-free at (800) 310-7770.
This is a very important benefit for all eligible active and retired railroad employees covered under the national health and welfare plans, although many employees, especially retired employees, may not be fully aware of it. We urge you to post this notice at appropriate work locations on the property and remind all retirees with whom you may come in contact that they should contact MetLife to inquire about their eligibilty for the $2,000 death benefit.
Railroad employees and/or their eligible dependents covered under the national railroad medical, prescription drug, dental, vision, and life insurance benefits plans may now find information about those benefits on a single web page.
Note that this web site pertains only to the nationally negotiated railroad health and welfare plans. If you and/or your eligible dependents are not covered by those benefits plans – and this includes Amtrak employees – you should continue to seek information about your health care benefits from your employer.
Each of the benefits administrators for rail employee health care insurance negotiated under the national railroad medical, prescription drug, dental, vision, and life insurance benefits plans hosts a home page at the Railroad Information Depot. The providers include Aetna, Highmark, MetLife, Medco, vsp, and United Healthcare.
By logging on to www.rrinfodepot.com, rail employees will find a central point of access for information about health care benefits, regardless of which benefits administrator provides coverage.
Here are some of the categories that will be available at the new website:
* Information on completing a health risk assessment to help you stop smoking, lose weight or become a happier person.
* Tips on reducing risks of developing cardiovascular disease, diabetes and other chronic diseases that are largely preventable.
* Alerts and important dates regarding annual open enrollment periods.
* Current topics of interest and news on specific health issues.
* On-line access to each of the summary plan descriptions.
* Information on medical care, mental health, substance abuse, disease management, wellness programs, pharmacy, dental care, life insurance, vision care, and sickness benefits – regardless of the health care benefits administrator.
* Links to network providers, helpful tools and educational materials, contact information, and the various forms necessary for filing for benefits.
* A dedicated retirement section providing information and links to assist you in transitioning into retirement.
* Railroad Enrollment Services information to ensure you understand who is eligible for coverage under your plan and the documentation required.
Once at the website, you will be able to navigate over a topic to read more about what it offers; and, if it’s what you are looking for, you will need only to click on the topic to find more in-depth information.
If you retired from railroad service on or after April 1, 1967, you may be eligible for a $2,000 retiree life insurance benefit.
Benefits are administered by MetLife for all retirees from railroads participating in the National Railway Carriers’ / UTU Health & Welfare Plan and the Railroad Employees’ National Health and Welfare Plan (formerly GA-23000).
To file a claim, or to obtain a change-of-beneficiary card, call the following toll-free number:
MetLife (800) 310-7770.
Those who retire on disability are urged to contact MetLife soon after their retirement to ensure their eligibility for this benefit.
Retirees are urged to keep this notice with their other important documents and to keep the designated beneficiary up to date.
When filing a claim, it will be very helpful to know the date the employee last worked, the name of the employing railroad, and the employee’s Social Security number. These items will assist in the prompt processing of claims.