February 5, 2016

Short-term disability insurance for rail members

The SMART Transportation Division has renewed its contract, effective July 1, 2013, with Anthem Life Insurance Co. to provide a group voluntary short-term disability plan for all rail members. Coverage will continue to be automatic unless members choose to waive coverage or “opt-out.”

The Anthem rail disability insurance 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 Anthem plan pays up to $346 per week for up to 34 weeks a year, and 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.

New SMART TD members will be enrolled automatically unless they choose to opt-out of the plan by submitting a waiver form to the SMART TD International.

A disability-plan information kit will be mailed to all new members and will include a plan overview, as well as instructions for waiving coverage (opting-out of the plan) if they so choose.

Any member waiving coverage who desires to obtain coverage under the plan in the future must make application to Anthem at that later date. There will be no guarantee of acceptance and any costs incurred for underwriting will be paid for by the member.

Once enrolled, all members are subject to a so-called 12/12 pre-existing condition provision. This provision excludes, for the first 12 months of coverage, any disability claims relating to treatment, diagnosis or conditions that existed in the 12 months just prior to their enrollment date. After the first 12 months of coverage, the pre-existing condition limitation expires.

The member information kit describes the plan in greater detail and also provides answers to frequently asked questions. Members are not required to complete any paperwork to enroll in the plan, but must complete a waiver form if they choose not to participate.

Members desiring additional disability insurance coverage may purchase an individual policy through the UTU Insurance Association. This individual coverage would pay in addition to the Anthem plan without any offset or reduction in benefits from either plan. Contact your UTUIA field supervisor or call the UTUIA Sales Department at (216) 228-9400 for more information.

You may view the various plan documents by clicking on the links below.

The following documents should be used by rail members to file a disability claim with Anthem Life Insurance Co.

Print the attached PDF. This is your Anthem VSTD Policy Certificate for rail members. It is a complete guide to your benefits.

If you previously waived coverage, you may apply for coverage by completing the form below and submitting it to Anthem for underwriting.