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 |