Frequently Asked Questions
How does Amalgamated Life pay benefits?
They will send you a check.
After I secure coverage, can I increase my benefit amount?
Members who have a policy in effect can increase their benefit by $400 after their policy anniversary date without any medical questions. However, there is a maximum benefit cap of $5,000 and pre-existing limitations would restart for the additional benefit amount. Premiums for the additional coverage will be based on the age bracket you are in at the time the additional coverage is issued.
Will my premiums increase?
Your premiums are locked at the age your coverage was issued and will not increase as you get older (occasionally, premium changes may be mandated by the state).
Once I’ve enrolled and coverage has taken effect, can I lower coverage at any time?
Can I lower the duration from 5 year to 2 year?
How do I lower the duration or amount of my benefit?
Contact the SMART TD Customer Service Center to lower your benefit.
Do I continue paying premiums while I am on a disability claim?
Members are required to pay their premiums for the VDP to maintain coverage during the Elimination Period (180 days). You can call the Customer Service Center to arrange payment via ACH. Premiums are waived after the Elimination Period (180 days) with an approved VDP claim.
What happens if I die while I am receiving a Monthly Disability Benefit?
If you die while receiving a Monthly Disability Benefit, Amalgamated Life will continue the payment of the benefit to your Beneficiary. To qualify for this benefit, Total Disability and the payment of the Monthly Disability Benefit must both have continued for at least 12 consecutive months before your death. Payments under this benefit will terminate on the earlier of: 1) the date that 3 monthly payments have been made to the Beneficiary under this benefit; 2) the date that the Maximum Disability Benefit Period ends; or 3) the date that the Beneficiary dies.
What if I elected coverage and I am in the Military?
Any person covered by this policy who is also a member of a reserve component of the armed forces of the United States, including the National Guard, is entitled, upon written request, to have their coverage suspended during a period of active duty as described in the policy. Amalgamated Life will refund any unearned premiums for the period of such suspension. Upon termination of military service of no longer than five years, the person has the right to renew his or her coverage on the same basis as before suspension of coverage took effect, without restriction as to pre-existing conditions except those applicable on the date coverage was suspended. Such renewal shall take effect on the date military service terminates, subject to written application and payment of the required premium within 60 days after such date.
What happens if I leave my job? Can I continue coverage?
Yes. If you are no longer a dues paying SMART TD union member working more than 20 hours per week, you may take your policy with you. To do so, you need to call the SMART VDP Customer Service Center to set up payments.
Does my rate depend on where I work or where I live?
Your rate is determined by the state you reside in.
Is the Voluntary Disability Plan (VDP) available for my spouse?
Only active dues paying SMART TD members can enroll, so it is not available to spouses.
What if I have another plan from another company as well as my Voluntary Disability Plan (VDP) through Amalgamated? If I filed a claim and was eligible for benefits thru both plans, would my benefit be reduced in any way?
No. Your Voluntary Disability Plan (VDP) benefit would not be reduced. The VDP benefit does not offset and pays in addition to all other benefits you receive (SMART TD VSTD, RRB, FELA Payments, Work-Comp, Social Security Disability, etc.)
If I live in Canada can I enroll?
If you reside in Canada, then you are not eligible for this coverage. In order for a member to be eligible, they must live in the United States.
Does payroll deduction happen once or twice a month? Can I choose?
The payroll deduction happens whenever your union dues come out.
What is simplified medical underwriting? How do I know if I will be approved by simplified medical underwriting?
With simplified medical underwriting, there is no medical exam, only a few medical questions on the application. You will be approved or denied based on your answers to the medical questions. For more details about medical underwriting, please contact the Customer Service Center at 224-770-5328.
What if I am denied by Amalgamated Life due to medical underwriting?
SMART TD leadership has negotiated with Amalgamated Life Insurance Company to provide all actively working members up to $1,000 of guaranteed approved coverage with a 2 year benefit duration. Benefit amounts higher than $1,000 or with a higher benefit duration will require simplified medical underwriting. If you apply for a benefit amount higher than $1,000 or a benefit duration higher than 2 years and are denied by Amalgamated, then you will be automatically lowered to the guaranteed coverage amount ($1,000 monthly benefit with a 2 year benefit duration).
What happened to my MetLife Long Term Disability?
Your MetLife plan was cancelled on April 1st, 2019. For further information, please call the Customer Service Center at 224-770-5328. You are encouraged to call the Customer Service Center to discuss your options with a Benefit Specialist and select the benefit that best fits your needs and the needs of your family.
DISCLAIMER: The information on this page is for informational purposes only and makes no guarantee or warranty on the processing of claims. Other limitations may apply. It is recommended that each member with coverage obtain a copy and read the entire policy. Each policy is issued specific to each person, the state that they reside in, and the coverage that they elect.
Individual Disability Income Insurance is underwritten by Amalgamated Life Insurance Company.
Amalgamated Life Insurance Company
333 Westchester Avenue
White Plains, NY 10604