VLTD open enrollment period begins June 21


We are excited to announce that the first open enrollment period for SMART-TD's Voluntary Long-Term Disability (VLTD) and Voluntary Group Life (VLIFE) plans goes live on Wednesday, June 21, 2023. These plans are exclusively available to full dues-paying members of SMART-TD and are designed to provide financial protection during lengthy RRB occupational disability or FELA case resolutions. Underwritten by Sun Life, these plans offer comprehensive coverage for our membership and their families.

With the potential waiting periods for RRB occupational disability and FELA cases, having a robust disability plan is key to financial security. All members are guaranteed VLTD and VLIFE coverage, regardless of their medical condition.

The benefits of the VLTD plan include:

  • Enrollment for $5,000 disability coverage without medical queries.
  • Up to five years of tax-free benefits.
  • 24/7 coverage for covered injuries, illnesses, surgeries.
  • Coverage for pre-existing conditions after a year of continuous enrollment.
  • Benefits activation after a 238-day elimination period.
  • No repayment of VLTD benefits for FELA injury settlements.

VLIFE features:

  • ·Guaranteed Life Insurance amounts up to $250,000 for members, $50,000 for spouses, and $10,000 for dependents under 26.
  • Equal Accidental Death & Dismemberment coverage, with double the benefits for accidental death.

Additionally, the union offers further protection through UTUIA, which includes Cancer Insurance, Accidental Death and Dismemberment Insurance, and Accident and Hospital Indemnity Insurance. These plans will be effective from September 1st, 2023. To enroll in the VLTD and VLIFE plans, members can visit www.smart-vltd.com. If they require any assistance, they can contact the SMART TD VLTD Customer Service Center at (224) 770-5328.

Please note that only members who are not currently participating in the SMART-TD VLTD are eligible to enroll during this open enrollment period. Currently enrolled members will have the opportunity to enroll at a later date.

It's important for interested members to review the complete details and terms of the plans to make an informed decision about their coverage. This first open enrollment period ends on July 27, 2023.

— SMART Transportation Division