Massachusetts Residents (RAIL)
To enroll, call 224-770-5328 (preferred method) or Enroll Online
Massachusetts 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 | 60-64 |
| $1,000 | $20.64 | $43.89 | $72.15 |
| $2,000 | $41.28 | $87.77 | $144.29 |
| $3,000 | $61.92 | $131.66 | $216.44 |
| $4,000 | $82.56 | $175.54 | $288.58 |
| $5,000 | $103.20 | $219.43 | $360.73 |
Member Monthly Premium
5 Year Duration
| Benefit | 18-49 | 50-59 | 60-64 |
| $1,000 | $31.58 | $77.27 | $113.85 |
| $2,000 | $63.16 | $154.54 | $227.69 |
| $3,000 | $94.74 | $231.81 | $341.54 |
| $4,000 | $126.32 | $309.08 | $455.39 |
| $5,000 | $157.90 | $386.36 | $569.23 |
Member Monthly Premium
2 Year Duration – All Rates
| Benefit | 18-49 | 50-59 | 60-64 |
| $300 | $6.19 | $13.17 | $21.64 |
| $400 | $8.26 | $17.55 | $28.86 |
| $500 | $10.32 | $21.94 | $36.07 |
| $600 | $12.38 | $26.33 | $43.29 |
| $700 | $14.45 | $30.72 | $50.50 |
| $800 | $16.51 | $35.11 | $57.72 |
| $900 | $18.58 | $39.50 | $64.93 |
| $1,000 | $20.64 | $43.89 | $72.15 |
| $1,100 | $22.70 | $48.27 | $79.36 |
| $1,200 | $24.77 | $52.66 | $86.57 |
| $1,300 | $26.83 | $57.05 | $93.79 |
| $1,400 | $28.90 | $61.44 | $101.00 |
| $1,500 | $30.96 | $65.83 | $108.22 |
| $1,600 | $33.02 | $70.22 | $115.43 |
| $1,700 | $35.09 | $74.61 | $122.65 |
| $1,800 | $37.15 | $78.99 | $129.86 |
| $1,900 | $39.22 | $83.38 | $137.08 |
| $2,000 | $41.28 | $87.77 | $144.29 |
| $2,100 | $43.34 | $92.16 | $151.51 |
| $2,200 | $45.41 | $96.55 | $158.72 |
| $2,300 | $47.47 | $100.94 | $165.93 |
| $2,400 | $49.54 | $105.33 | $173.15 |
| $2,500 | $51.60 | $109.71 | $180.36 |
| $2,600 | $53.66 | $114.10 | $187.58 |
| $2,700 | $55.73 | $118.49 | $194.79 |
| $2,800 | $57.79 | $122.88 | $202.01 |
| $2,900 | $59.86 | $127.27 | $209.22 |
| $3,000 | $61.92 | $131.66 | $216.44 |
| $3,100 | $63.98 | $136.05 | $223.65 |
| $3,200 | $66.05 | $140.43 | $230.87 |
| $3,300 | $68.11 | $144.82 | $238.08 |
| $3,400 | $70.18 | $149.21 | $245.29 |
| $3,500 | $72.24 | $153.60 | $252.51 |
| $3,600 | $74.30 | $157.99 | $259.72 |
| $3,700 | $76.37 | $162.38 | $266.94 |
| $3,800 | $78.43 | $166.77 | $274.15 |
| $3,900 | $80.50 | $171.15 | $281.37 |
| $4,000 | $82.56 | $175.54 | $288.58 |
| $4,100 | $84.62 | $179.93 | $295.80 |
| $4,200 | $86.69 | $184.32 | $303.01 |
| $4,300 | $88.75 | $188.71 | $310.23 |
| $4,400 | $90.82 | $193.10 | $317.44 |
| $4,500 | $92.88 | $197.49 | $324.65 |
| $4,600 | $94.94 | $201.87 | $331.87 |
| $4,700 | $97.01 | $206.26 | $339.08 |
| $4,800 | $99.07 | $210.65 | $346.30 |
| $4,900 | $101.14 | $215.04 | $353.51 |
| $5,000 | $103.20 | $219.43 | $360.73 |
Member Monthly Premium
5 Year Duration – All Rates
| Benefit | 18-49 | 50-59 | 60-64 |
| $300 | $9.47 | $23.18 | $34.15 |
| $400 | $12.63 | $30.91 | $45.54 |
| $500 | $15.79 | $38.64 | $56.92 |
| $600 | $18.95 | $46.36 | $68.31 |
| $700 | $22.11 | $54.09 | $79.69 |
| $800 | $25.26 | $61.82 | $91.08 |
| $900 | $28.42 | $69.54 | $102.46 |
| $1,000 | $31.58 | $77.27 | $113.85 |
| $1,100 | $34.74 | $85.00 | $125.23 |
| $1,200 | $37.90 | $92.73 | $136.62 |
| $1,300 | $41.05 | $100.45 | $148.00 |
| $1,400 | $44.21 | $108.18 | $159.39 |
| $1,500 | $47.37 | $115.91 | $170.77 |
| $1,600 | $50.53 | $123.63 | $182.15 |
| $1,700 | $53.68 | $131.36 | $193.54 |
| $1,800 | $56.84 | $139.09 | $204.92 |
| $1,900 | $60.00 | $146.81 | $216.31 |
| $2,000 | $63.16 | $154.54 | $227.69 |
| $2,100 | $66.32 | $162.27 | $239.08 |
| $2,200 | $69.47 | $170.00 | $250.46 |
| $2,300 | $72.63 | $177.72 | $261.85 |
| $2,400 | $75.79 | $185.45 | $273.23 |
| $2,500 | $78.95 | $193.18 | $284.62 |
| $2,600 | $82.11 | $200.90 | $296.00 |
| $2,700 | $85.26 | $208.63 | $307.39 |
| $2,800 | $88.42 | $216.36 | $318.77 |
| $2,900 | $91.58 | $224.09 | $330.16 |
| $3,000 | $94.74 | $231.81 | $341.54 |
| $3,100 | $97.90 | $239.54 | $352.93 |
| $3,200 | $101.05 | $247.27 | $364.31 |
| $3,300 | $104.21 | $254.99 | $375.69 |
| $3,400 | $107.37 | $262.72 | $387.08 |
| $3,500 | $110.53 | $270.45 | $398.46 |
| $3,600 | $113.69 | $278.18 | $409.85 |
| $3,700 | $116.84 | $285.90 | $421.23 |
| $3,800 | $120.00 | $293.63 | $432.62 |
| $3,900 | $123.16 | $301.36 | $444.00 |
| $4,000 | $126.32 | $309.08 | $455.39 |
| $4,100 | $129.47 | $316.81 | $466.77 |
| $4,200 | $132.63 | $324.54 | $478.16 |
| $4,300 | $135.79 | $332.27 | $489.54 |
| $4,400 | $138.95 | $339.99 | $500.93 |
| $4,500 | $142.11 | $347.72 | $512.31 |
| $4,600 | $145.26 | $355.45 | $523.70 |
| $4,700 | $148.42 | $363.17 | $535.08 |
| $4,800 | $151.58 | $370.90 | $546.46 |
| $4,900 | $154.74 | $378.63 | $557.85 |
| $5,000 | $157.90 | $386.36 | $569.23 |