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

Michigan Residents (RAIL)

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

  Michigan 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 $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 60-65
$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 60-65
$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 60-65
$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