New York Residents (RAIL)
To enroll, call 224-770-5328 (preferred method) or Enroll Online
- 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 |