We’re pleased to share that the open enrollment period for currently enrolled SMART-TD Members has officially started!*
*Eligible for Members enrolled prior to 2023
Voluntary Long-Term Disability (VLTD) & Voluntary Group Life (VLIFE) Plans
As a full dues-paying Member of SMART-TD, you have exclusive access to these fantastic offerings. Our aim? To provide you with the very best income replacement options available to Rail and Bus workers.
What’s more, our plans are supported by Sun Life, ensuring a comprehensive coverage you can rely on.
Members who are currently enrolled in the grandfathered VLTD plan (payroll deduction) will have the option of keeping their coverage or selecting the new VLTD coverage; in addition to our brand new VLIFE plan. These plans offer a variety of key features and benefits.
NEW! Robust Voluntary Long-Term Disability (VLTD) Benefits:
Enjoy a seamless enrollment process with up to $5,000 in disability coverage, no medical tests required.
Get coverage 24/7 for all covered injuries, illnesses, and surgeries.
Tax-free benefits available for up to five years, offering financial support during prolonged disability periods.
Pre-existing conditions? They’re covered after one year of uninterrupted coverage.
Exploring the Voluntary Group Life (VLIFE) Features:
Get up to $250,000 in Life Insurance coverage for Members, $50,000 for spouses, and $10,000 for dependents under 26.
Life benefit doubles for accidental deaths.
In addition to our VLTD and VLIFE offerings, enhance your protection with the United Transportation Union Insurance Association (UTUIA). The UTUIA adds a layer of security with Cancer Insurance, Accidental Death and Dismemberment Insurance, and Accident and Hospital Indemnity Insurance. These additional plans will be effective starting September 1st, 2023.
It’s important to note that at present, only Members who aren’t participating in the SMART-TD VLTD plan are eligible to enroll. However, those currently enrolled will have an opportunity to enroll at a future date.
Take advantage of this opportunity to safeguard your financial future with our VLTD and VLIFE plans. We’re here to back you up throughout your career journey.