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

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 – All Rates

Benefit 18-49 50-59 60+
$300 $6.81 $14.48 $23.81
$400 $9.08 $19.31 $31.74
$500 $11.35 $24.14 $39.68
$600 $13.62 $28.96 $47.62
$700 $15.89 $33.79 $55.55
$800 $18.16 $38.62 $63.49
$900 $20.43 $43.44 $71.42
$1,000 $22.70 $48.27 $79.36
$1,100 $24.97 $53.10 $87.30
$1,200 $27.24 $57.93 $95.23
$1,300 $29.52 $62.75 $103.17
$1,400 $31.79 $67.58 $111.11
$1,500 $34.06 $72.41 $119.04
$1,600 $36.33 $77.23 $126.98
$1,700 $38.60 $82.06 $134.91
$1,800 $40.87 $86.89 $142.85
$1,900 $43.14 $91.72 $150.79
$2,000 $45.41 $96.54 $158.72
$2,100 $47.68 $101.37 $166.66
$2,200 $49.95 $106.20 $174.59
$2,300 $52.22 $111.03 $182.53
$2,400 $54.49 $115.85 $190.47
$2,500 $56.76 $120.68 $198.40
$2,600 $59.03 $125.51 $206.34
$2,700 $61.30 $130.33 $214.27
$2,800 $63.57 $135.16 $222.21
$2,900 $65.84 $139.99 $230.15
$3,000 $68.11 $144.82 $238.08
$3,100 $70.38 $149.64 $246.02
$3,200 $72.65 $154.47 $253.95
$3,300 $74.92 $159.30 $261.89
$3,400 $77.19 $164.12 $269.83
$3,500 $79.46 $168.95 $277.76
$3,600 $81.73 $173.78 $285.70
$3,700 $84.00 $178.61 $293.63
$3,800 $86.28 $183.43 $301.57
$3,900 $88.55 $188.26 $309.51
$4,000 $90.82 $193.09 $317.44
$4,100 $93.09 $197.91 $325.38
$4,200 $95.36 $202.74 $333.32
$4,300 $97.63 $207.57 $341.25
$4,400 $99.90 $212.40 $349.19
$4,500 $102.17 $217.22 $357.12
$4,600 $104.44 $222.05 $365.06
$4,700 $106.71 $226.88 $373.00
$4,800 $108.98 $231.70 $380.93
$4,900 $111.25 $236.53 $388.87
$5,000 $113.52 $241.36 $396.80
Member Monthly Premium

5 Year Duration – All Rates

Benefit 18-49 50-59 60-65
$300 $10.42 $25.50 $37.57
$400 $13.89 $34.00 $50.09
$500 $17.37 $42.50 $62.62
$600 $20.84 $51.00 $75.14
$700 $24.31 $59.50 $87.66
$800 $27.79 $68.00 $100.19
$900 $31.26 $76.50 $112.71
$1,000 $34.74 $85.00 $125.23
$1,100 $38.21 $93.50 $137.76
$1,200 $41.68 $102.00 $150.28
$1,300 $45.16 $110.50 $162.80
$1,400 $48.63 $119.00 $175.33
$1,500 $52.10 $127.50 $187.85
$1,600 $55.58 $136.00 $200.37
$1,700 $59.05 $144.50 $212.90
$1,800 $62.52 $153.00 $225.42
$1,900 $66.00 $161.50 $237.94
$2,000 $69.47 $170.00 $250.47
$2,100 $72.94 $178.51 $262.99
$2,200 $76.42 $187.01 $275.51
$2,300 $79.89 $195.51 $288.04
$2,400 $83.36 $204.01 $300.56
$2,500 $86.84 $212.51 $313.08
$2,600 $90.31 $221.01 $325.61
$2,700 $93.79 $229.51 $338.13
$2,800 $97.26 $238.01 $350.65
$2,900 $100.73 $246.51 $363.18
$3,000 $104.21 $255.01 $375.70
$3,100 $107.68 $263.51 $388.22
$3,200 $111.15 $272.01 $400.75
$3,300 $114.63 $280.51 $413.27
$3,400 $118.10 $289.01 $425.79
$3,500 $121.57 $297.51 $438.32
$3,600 $125.05 $306.01 $450.84
$3,700 $128.52 $314.51 $463.36
$3,800 $131.99 $323.01 $475.89
$3,900 $135.47 $331.51 $488.41
$4,000 $138.94 $340.01 $500.93
$4,100 $142.42 $348.51 $513.46
$4,200 $145.89 $357.01 $525.98
$4,300 $149.36 $365.51 $538.50
$4,400 $152.84 $374.01 $551.03
$4,500 $156.31 $382.51 $563.55
$4,600 $159.78 $391.01 $576.07
$4,700 $163.26 $399.51 $588.60
$4,800 $166.73 $408.01 $601.12
$4,900 $170.20 $416.51 $613.64
$5,000 $173.68 $425.01 $626.17