Automatic disability insurance for bus members
Short-term disability insurance for bus members
The Voluntary Short-Term Disability (VSTD) plan is self-funded by SMART and administered by Southern Benefits Administrators, Inc.
The SMART short term disability plan provides a basic “safety net” of coverage for SMART TD bus members and is designed to work in combination with state-mandated disability programs.
The maximum weekly VSTD benefit will increase from $210 to $240 effective January 1, 2017. Coverage pays for up to 52 weeks per years and is for off-duty accidents and illness.
The cost is $26 per month and is collected through payroll deduction.
The Elimination Period, which is the waiting period between the first day of a disability and the date benefits actually begin, will be reduced from 30 days to 21 days (benefits will begin on the 22nd day of disability).
New SMART TD members will be enrolled automatically unless they choose to opt-out of the plan by submitting a waiver form to SMART TD headquarters.
Effective with all claims incurred January 1, 2018, direct deposit of your disability payments into your bank account is mandatory. Please be sure to complete the authorization for automatic transfer that is attached to your application to avoid delay of your payments. A copy of this authorization is attached to the VSTD claim form below.
Members desiring additional disability insurance coverage may purchase an individual policy through the UTU Insurance Association. Contact your field supervisor or call the UTUIA Sales Department at (216) 228-9400 for more information.
You may view the various new plan documents by Southern Benefit Administrators by clicking on the links below.
- SMART Announces Changes to VSTD
- SMART VSTD Summary Plan Description
- SMART VSTD FAQs
- SMART VSTD Late Entry
- Waiver of Coverage
- SMART VSTD Claim Form (fillable pdf)
- SMART VSTD Terminate Coverage Form (fillable pdf)
If you have any additional questions, please contact your Regional Field Supervisor here.
Long-term disability insurance for bus members
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.
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.
For plan related questions or inquiries,
MetLife Customer Service at
- MetLife Announces Changes to VLTD – Transition Letter
- MetLife VLTD – Summary of Benefits
- MetLife VLTD Product Overview
- MetLife VLTD Privacy Notice
- MetLife VLTD Bus FAQ
- MetLife VLTD Bus Certificate
- VLTD Terminate Coverage Form (fillable pdf)
****Members who have VLTD (long-term coverage only) – should contact MetLife at the number referenced above to file a claim and receive the claim acknowledgement packet after eight months into the 365-day elimination period.