224-770-5328 info@smart-vltd.com

Indiana Residents (RAIL)

To enroll, call 224-770-5328 (preferred method) or Enroll Online

  Indiana Residents (RAIL) Sample Policy (AMINDDI-10)
  • Benefit in $100 increments, ranging from $300 to $5,000 per month (not to exceed 60% of earnings) if approved by simplified underwriting
  • Benefit pays in addition to all other benefits (SMART VSTD, RRB, FELA Payments, etc.)
  • Benefit Duration: 2 or 5 years
  • Elimination Period: 180 Days
  • Members can retain coverage even if they are furloughed or suspended
  • Pre-existing conditions are covered after 12 months on the plan or 12 months treatment free
  • 24 Hour Coverage – covers you on-and-off the job
  • New Members have 60 days from joining the union to apply for coverage
Member Monthly Premium

2 Year Duration – All Rates

Benefit 18-49 50-59 60+
$300 $7.87 $16.73 $27.50
$400 $10.49 $22.30 $36.66
$500 $13.11 $27.88 $45.83
$600 $15.73 $33.45 $55.00
$700 $18.35 $39.03 $64.16
$800 $20.98 $44.60 $73.33
$900 $23.60 $50.18 $82.49
$1,000 $26.22 $55.75 $91.66
$1,100 $28.84 $61.33 $100.82
$1,200 $31.47 $66.90 $109.99
$1,300 $34.09 $72.48 $119.16
$1,400 $36.71 $78.06 $128.32
$1,500 $39.33 $83.63 $137.49
$1,600 $41.95 $89.21 $146.65
$1,700 $44.58 $94.78 $155.82
$1,800 $47.20 $100.36 $164.99
$1,900 $49.82 $105.93 $174.15
$2,000 $52.44 $111.51 $183.32
$2,100 $55.06 $117.08 $192.48
$2,200 $57.69 $122.66 $201.65
$2,300 $60.31 $128.23 $210.82
$2,400 $62.93 $133.81 $219.98
$2,500 $65.55 $139.38 $229.15
$2,600 $68.18 $144.96 $238.31
$2,700 $70.80 $150.54 $247.48
$2,800 $73.42 $156.11 $256.64
$2,900 $76.04 $161.69 $265.81
$3,000 $78.66 $167.26 $274.98
$3,100 $81.29 $172.84 $284.14
$3,200 $83.91 $178.41 $293.31
$3,300 $86.53 $183.99 $302.47
$3,400 $89.15 $189.56 $311.64
$3,500 $91.77 $195.14 $320.81
$3,600 $94.40 $200.71 $329.97
$3,700 $97.02 $206.29 $339.14
$3,800 $99.64 $211.86 $348.30
$3,900 $102.26 $217.44 $357.47
$4,000 $104.89 $223.02 $366.64
$4,100 $107.51 $228.59 $375.80
$4,200 $110.13 $234.17 $384.97
$4,300 $112.75 $239.74 $394.13
$4,400 $115.37 $245.32 $403.30
$4,500 $118.00 $250.89 $412.46
$4,600 $120.62 $256.47 $421.63
$4,700 $123.24 $262.04 $430.80
$4,800 $125.86 $267.62 $439.96
$4,900 $128.48 $273.19 $449.13
$5,000 $131.11 $278.77 $458.29
Member Monthly Premium

5 Year Duration – All Rates

Benefit 18-49 50-59 60+
$300 $12.04 $29.45 $43.39
$400 $16.05 $39.27 $57.86
$500 $20.06 $49.08 $72.32
$600 $24.08 $58.90 $86.79
$700 $28.09 $68.72 $101.25
$800 $32.10 $78.54 $115.71
$900 $36.11 $88.35 $130.18
$1,000 $40.13 $98.17 $144.64
$1,100 $44.14 $107.99 $159.11
$1,200 $48.15 $117.80 $173.57
$1,300 $52.17 $127.62 $188.04
$1,400 $56.18 $137.44 $202.50
$1,500 $60.19 $147.25 $216.97
$1,600 $64.20 $157.07 $231.43
$1,700 $68.22 $166.89 $245.89
$1,800 $72.23 $176.70 $260.36
$1,900 $76.24 $186.52 $274.82
$2,000 $80.26 $196.34 $289.29
$2,100 $84.27 $206.15 $303.75
$2,200 $88.28 $215.97 $318.22
$2,300 $92.29 $225.79 $332.68
$2,400 $96.31 $235.61 $347.14
$2,500 $100.32 $245.42 $361.61
$2,600 $104.33 $255.24 $376.07
$2,700 $108.34 $265.06 $390.54
$2,800 $112.36 $274.87 $405.00
$2,900 $116.37 $284.69 $419.47
$3,000 $120.38 $294.51 $433.93
$3,100 $124.40 $304.32 $448.39
$3,200 $128.41 $314.14 $462.86
$3,300 $132.42 $323.96 $477.32
$3,400 $136.43 $333.77 $491.79
$3,500 $140.45 $343.59 $506.25
$3,600 $144.46 $353.41 $520.72
$3,700 $148.47 $363.23 $535.18
$3,800 $152.48 $373.04 $549.64
$3,900 $156.50 $382.86 $564.11
$4,000 $160.51 $392.68 $578.57
$4,100 $164.52 $402.49 $593.04
$4,200 $168.54 $412.31 $607.50
$4,300 $172.55 $422.13 $621.97
$4,400 $176.56 $431.94 $636.43
$4,500 $180.57 $441.76 $650.90
$4,600 $184.59 $451.58 $665.36
$4,700 $188.60 $461.39 $679.82
$4,800 $192.61 $471.21 $694.29
$4,900 $196.63 $481.03 $708.75
$5,000 $200.64 $490.85 $723.22