Long-Term Disability open enrollment begins August 1

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.

Open enrollment for the Voluntary Long-Term Disability (VLTD) Plan will be available for active dues-paying SMART Transportation Division Rail and Bus members beginning August 1, 2016, through October 31, 2016, with no medical history information required.

• 60% Option – Allows rail members to purchase coverage after a 238-day elimination period, and offers a monthly benefit of 60 percent of salary (up to a maximum benefit of $7,000). Cost for Part “B”: $73.88 per month.
• 50% Option – Allows rail members to purchase coverage after a 238-day elimination period, and offers a monthly benefit of 50 percent of salary (up to a maximum benefit of $7,000). Cost for Part “A”: $51.63 per month.

Need help deciding how much is right for you?

A good rule of thumb is to buy enough VLTD to cover your essential monthly expenses (e.g., mortgage, food, utilities and car payments). For most people, that is 60-80 percent of their income. To determine your specific needs, use the calculator tool.

Enroll TodayIn the month of July active members will receive an enrollment package from MetLife, containing plan FAQ’s and an enrollment form.
If for some reason you do not receive an enrollment packet in the mail, call your regional field supervisor or click on the enrollment form below.