Automatic disability insurance for rail 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 members and was designed to work in combination with Railroad Retirement sickness benefits.

The maximum weekly VSTD benefit will increase from $400 to $450 effective January 1, 2017.

The plan provides 24-hour coverage, seven days a week, for accidents and sickness. The 24/7 coverage means on- and off-duty coverage for accidents and sickness.

The cost is $34.50 per month and is collected through payroll deduction.

The Elimination Period for Rail Members, 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 plan documents by Southern Benefit Administrators by clicking on the links below.

If you have any additional questions, please contact your Regional Field Supervisor here.

Long-term voluntary disability plan (VDP) for bus members

SMART Transportation Division has obtained a new administrator for our long-term disability plan, and additional details will be provided at a later date.

For more information, please read this notice about the change in VLTD coverage (PDF)