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

Louisiana Residents (RAIL)

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

  Louisiana 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

Benefit 18-49 50-59 60-65
$1,000 $21.67 $46.08 $75.75
$2,000 $43.34 $92.16 $151.51
$3,000 $65.02 $138.24 $227.26
$4,000 $86.69 $184.32 $303.01
$5,000 $108.36 $230.40 $378.76
Member Monthly Premium

5 Year Duration

Benefit 18-49 50-59 60-65
$1,000 $33.16 $81.13 $119.54
$2,000 $66.32 $162.27 $239.08
$3,000 $99.47 $243.40 $358.62
$4,000 $132.63 $324.54 $478.16
$5,000 $165.79 $405.67 $597.70
Member Monthly Premium

2 Year Duration – All Rates

Benefit 18-49 50-59 60-65
$300 $6.50 $13.82 $22.73
$400 $8.67 $18.43 $30.30
$500 $10.84 $23.04 $37.88
$600 $13.00 $27.65 $45.45
$700 $15.17 $32.26 $53.03
$800 $17.34 $36.86 $60.60
$900 $19.50 $41.47 $68.18
$1,000 $21.67 $46.08 $75.75
$1,100 $23.84 $50.69 $83.33
$1,200 $26.01 $55.30 $90.90
$1,300 $28.17 $59.90 $98.48
$1,400 $30.34 $64.51 $106.05
$1,500 $32.51 $69.12 $113.63
$1,600 $34.68 $73.73 $121.20
$1,700 $36.84 $78.34 $128.78
$1,800 $39.01 $82.94 $136.35
$1,900 $41.18 $87.55 $143.93
$2,000 $43.34 $92.16 $151.51
$2,100 $45.51 $96.77 $159.08
$2,200 $47.68 $101.38 $166.66
$2,300 $49.85 $105.98 $174.23
$2,400 $52.01 $110.59 $181.81
$2,500 $54.18 $115.20 $189.38
$2,600 $56.35 $119.81 $196.96
$2,700 $58.51 $124.42 $204.53
$2,800 $60.68 $129.02 $212.11
$2,900 $62.85 $133.63 $219.68
$3,000 $65.02 $138.24 $227.26
$3,100 $67.18 $142.85 $234.83
$3,200 $69.35 $147.46 $242.41
$3,300 $71.52 $152.06 $249.98
$3,400 $73.68 $156.67 $257.56
$3,500 $75.85 $161.28 $265.13
$3,600 $78.02 $165.89 $272.71
$3,700 $80.19 $170.50 $280.28
$3,800 $82.35 $175.10 $287.86
$3,900 $84.52 $179.71 $295.44
$4,000 $86.69 $184.32 $303.01
$4,100 $88.86 $188.93 $310.59
$4,200 $91.02 $193.54 $318.16
$4,300 $93.19 $198.14 $325.74
$4,400 $95.36 $202.75 $333.31
$4,500 $97.52 $207.36 $340.89
$4,600 $99.69 $211.97 $348.46
$4,700 $101.86 $216.58 $356.04
$4,800 $104.03 $221.18 $363.61
$4,900 $106.19 $225.79 $371.19
$5,000 $108.36 $230.40 $378.76
Member Monthly Premium

5 Year Duration – All Rates

Benefit 18-49 50-59 60-65
$300 $9.95 $24.34 $35.86
$400 $13.26 $32.45 $47.82
$500 $16.58 $40.57 $59.77
$600 $19.89 $48.68 $71.72
$700 $23.21 $56.79 $83.68
$800 $26.53 $64.91 $95.63
$900 $29.84 $73.02 $107.59
$1,000 $33.16 $81.13 $119.54
$1,100 $36.47 $89.25 $131.49
$1,200 $39.79 $97.36 $143.45
$1,300 $43.11 $105.47 $155.40
$1,400 $46.42 $113.59 $167.35
$1,500 $49.74 $121.70 $179.31
$1,600 $53.05 $129.82 $191.26
$1,700 $56.37 $137.93 $203.22
$1,800 $59.68 $146.04 $215.17
$1,900 $63.00 $154.16 $227.12
$2,000 $66.32 $162.27 $239.08
$2,100 $69.63 $170.38 $251.03
$2,200 $72.95 $178.50 $262.99
$2,300 $76.26 $186.61 $274.94
$2,400 $79.58 $194.72 $286.89
$2,500 $82.90 $202.84 $298.85
$2,600 $86.21 $210.95 $310.80
$2,700 $89.53 $219.06 $322.76
$2,800 $92.84 $227.18 $334.71
$2,900 $96.16 $235.29 $346.66
$3,000 $99.47 $243.40 $358.62
$3,100 $102.79 $251.52 $370.57
$3,200 $106.11 $259.63 $382.53
$3,300 $109.42 $267.74 $394.48
$3,400 $112.74 $275.86 $406.43
$3,500 $116.05 $283.97 $418.39
$3,600 $119.37 $292.08 $430.34
$3,700 $122.69 $300.20 $442.29
$3,800 $126.00 $308.31 $454.25
$3,900 $129.32 $316.42 $466.20
$4,000 $132.63 $324.54 $478.16
$4,100 $135.95 $332.65 $490.11
$4,200 $139.26 $340.77 $502.06
$4,300 $142.58 $348.88 $514.02
$4,400 $145.90 $356.99 $525.97
$4,500 $149.21 $365.11 $537.93
$4,600 $152.53 $373.22 $549.88
$4,700 $155.84 $381.33 $561.83
$4,800 $159.16 $389.45 $573.79
$4,900 $162.47 $397.56 $585.74
$5,000 $165.79 $405.67 $597.70