New York Residents (RAIL)
To enroll, call 224-770-5328 (preferred method) or Enroll Online
For New York residents – This policy provides disability income insurance only. It does NOT provide basic hospital, basic major medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 50.1%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.
New York 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 |