Posts Tagged ‘Voluntary Long-Term Disability Plan’

Enrollment period has been extended for new SMART VDP

The open-enrollment period for the new SMART TD Long-Term Voluntary Disability Plan (VDP) The high call volume that occurred as last week’s deadline approach allowed the negotiation of a longer period for members to take advantage of this benefit.

You can enroll by talking to a Benefit Specialist by calling 224-770-5328 or self-enroll by visiting www.smart-vltd.com.

Below are a few highlights of the new plan:

  • The new plan is replacing the old MetLife Long-Term Disability Plan that was canceled in April.
  • The new plan differs from the old MetLife plan because it does not offset with other benefits such as the RRB or the VSTD. This plan stacks on top of and pays in addition to other benefits.
  • Unlike the old plan, the new VDP is an individual policy that is guaranteed renewable. Your coverage can’t be canceled. (It remains in force up to age 72 as long as premiums are paid).
  • Premiums are locked in when you enroll. Your premiums do not increase as you get older.
  • Previous MetLife participants are guaranteed approved for a monthly benefit of up to $1,000.

Open enrollment has been extended to Jan. 15, 2020.

For more information or to enroll, contact your local field supervisor, visit www.smart-vltd.com, or call the SMART TD VDP Enrollment Center at 224-770-5328.

Reminder: Open enrollment underway for SMART TD long-term voluntary disability plan

Open enrollment for the new SMART Transportation Division Long-Term Voluntary Disability Plan (VDP) is underway. Enrollment started in May and runs through Nov. 30, 2019. All dues-paying members of SMART TD living in the United States and working at least 20 hours per week can apply for coverage. Members can enroll online by visiting www.smart-vltd.com, contacting their local field supervisor or by calling the SMART TD VDP Enrollment Center at 224-770-5328.

Since May 2019, SMART TD members have had a new disability benefit available to them. Enrollment for the new Long-Term Voluntary Disability Plan (VDP) ends November 30, 2019. Members can apply for coverage if they are a dues-paying member of SMART TD living in the United States and working at least 20 hours per week.

Previously, SMART TD members had long-term disability insurance available to them through MetLife, but the MetLife plan ended April 1, 2019. The new plan is underwritten by Amalgamated Life Insurance Company. Members who were enrolled in the previous MetLife plan are guaranteed approved for a monthly benefit of up to $1,000 per month (2 or 5 years’ duration).

“Applying for the new Long-Term Voluntary Disability Plan (VDP) is easy, because Amalgamated Life Insurance Company uses simplified medical underwriting,” stated Carl Galdine, the VDP enrollment director. “With simplified underwriting, there is no medical exam, only a few medical questions on the application.”

Enrollment packets including a letter, a summary of benefits, and information on how to enroll were mailed to SMART TD members in May and June. Members can enroll online by visiting www.smart-vltd.com contacting their local field supervisor or by calling the SMART TD VDP Enrollment Center at 224-770-5328 and speaking with a benefit specialist.

Below are highlights of the new Long-Term Voluntary Disability Plan (VDP):

  • Members can choose between a 2- or 5-year option
  • Members can enroll in a monthly benefit ranging from $300 to $5,000 ($100 benefit increments) (monthly benefit may not exceed 60% of gross earnings)
  • Previous MetLife participants are guaranteed approved for a monthly benefit of up to $1,000
  • Benefit does not offset and pays in addition to all other benefits
  • Benefit starts paying after 180 days (6 months)
  • Pre-existing conditions are covered after 12 months on the plan
  • Benefit covers members on and off the job (24-hour coverage)
  • Benefit is not subject to repayment upon receipt of a FELA or personal injury settlement
  • Members can retain coverage even if they are furloughed or suspended (portable)

“This new plan was designed to work well with the benefits that SMART TD members already have available to them,” Galdine said. “It stacks on top of all other benefits including the Voluntary Short-Term Disability Plan and RRB benefits. Also, this plan starts after a 6-month waiting period when RRB Sickness Benefits typically end.”

Open enrollment ends Nov. 30, 2019.

For more information or to enroll, contact your local field supervisor, visit www.smart-vltd.com or call the SMART TD VDP Enrollment Center at 224-770-5328.

Open enrollment underway for SMART TD’s new VDP

Open enrollment has begun for SMART Transportation Division bus and rail members in the union’s new Voluntary Disability Plan (VDP). The plan, now underwritten by Amalgamated Life Insurance Company, is available for long-term protection against a sudden loss of income due to an illness or injury. Although Open Enrollment will run through Nov. 30, 2019, members may sign up at any time during the enrollment period. Coverage will commence upon successful completion of the enrollment process.

This plan has been established to provide yet another level of financial security to members in the event that a long-term recovery from an illness or injury leaves them unable to work. Members can customize their 24-7 coverage by selecting the benefit option best suiting their individual needs and then pay for coverage through payroll deductions. VDP benefits are payable after a 180-day elimination period and are paid in addition to any other benefits such as the TD Voluntary Short-Term Disability (VSTD) plan, worker’s comp, Railroad Retirement Board (RRB) sickness benefit or others.

The new VDP has two- and five-year options with monthly benefits starting at $300 up to $5,000 available in $100 increments that can cover up to 60% of an enrollee’s earnings. Approval of benefits from Amalgamated is subject to participation requirements and/or simplified medical underwriting.

This VDP coverage is portable for all members, and it won’t be lost if an enrollee is furloughed or suspended. Benefits remain payable in addition to other disability benefits, exceed those of standard long-term disability plans and will give financial security in a time of need.

This plan is optional and voluntary. If a member does not enroll, he or she will not be covered.

Information concerning benefit options and rates for all SMART TD members is available at www.smart-vltd.com, by emailing info@smart-vltd.com or by calling the SMART TD VDP Enrollment Center at 224-770-5328.

Long-term disability insurance for rail members

SMART Web Banner 1_325px960px_Rail             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. Rail members can select one of two plan options when enrolling: 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. 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 available below. Enroll Today 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. It is easy to enroll! Simply print and complete the enrollment form below, and mail it to SMART Transportation Division (VLTD), 24950 Country Club Blvd., Ste. 340, North Olmsted, OH 44070.

For plan related questions or inquiries, please contact MetLife Customer Service at

1-800-300-4296

Do not wait to enroll! Your opportunity only lasts until October 31, 2016.

Long-term disability insurance for bus members

SMART Web Banner 1_325px960px_Bus             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. Bus members can select one of two plan options when enrolling: 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 available below. Enroll Today 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. It is easy to enroll! Simply print and complete the enrollment form below, and mail it to SMART Transportation Division (VLTD), 24950 Country Club Blvd., Ste. 340, North Olmsted, OH 44070.

For plan related questions or inquiries, please contact MetLife Customer Service at

1-800-300-4296

Do not wait to enroll! Your opportunity only lasts until October 31, 2016.

Disability insurance available to members

disability-insurance_image Updated: October 1, 2015 Although you may have missed the open enrollment period for the long-term (VLTD) and short-term disability (VSTD) plans, members can still sign up for disability insurance. Members who missed the open enrollment deadline will be subject to pre-existing condition screening, a medical exam and approval.  Additional questions should be directed to your regional field supervisor (contacts). Bus VLTD, Bus VSTD Rail VLTD, Rail VSTD