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.
You may view the various plan documents by Southern Benefit Administrators by clicking on the links below.
- VSTD Elimination Period Waived For Coronavirus Disabilities
- 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 regarding the program,
Long-term voluntary disability plan (VDP) for rail members
As a result of MetLife’s non-renewal of our prior voluntary long-term disability plan, SMART Transportation Division has recently conducted a thorough search to find a new carrier that meets our specific demands and needs. We are pleased to inform you that Amalgamated Life Insurance Company will be underwriting our new Voluntary Disability Plan (VDP). Amalgamated was founded in 1943 by a labor leader and continues to be a union company to this date that is focused on the needs of working people. The VDP has features that go above and beyond a standard long-term disability plan, including paying in addition to any other disability benefit, and the policy is portable.
VDP insurance helps you protect your income if you suddenly have to stop working due to an accident or illness, and helps to 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.
Rail members can customize coverage by selecting the benefit option best suiting their individual needs. Follow this link to view benefit options and rates for SMART TD rail members.
For plan inquires or to enroll:
For more information: