Pennsylvania Residents (RAIL)
To enroll, call 224-770-5328 (preferred method) or Enroll Online
Pennsylvania 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+ |
| $1,000 | $23.84 | $50.69 | $83.33 |
| $2,000 | $47.68 | $101.38 | $166.65 |
| $3,000 | $71.52 | $152.07 | $249.98 |
| $4,000 | $95.36 | $202.75 | $333.30 |
| $5,000 | $119.20 | $253.44 | $416.63 |
Member Monthly Premium
5 Year Duration
| Benefit | 18-49 | 50-59 | 60+ |
| $1,000 | $36.48 | $89.24 | $131.49 |
| $2,000 | $72.96 | $178.48 | $262.99 |
| $3,000 | $109.44 | $267.73 | $394.48 |
| $4,000 | $145.92 | $356.97 | $525.98 |
| $5,000 | $182.41 | $446.21 | $657.47 |
Member Monthly Premium
2 Year Duration – All Rates
| Benefit | 18-49 | 50-59 | 60+ |
| $300 | $7.15 | $15.21 | $25.00 |
| $400 | $9.54 | $20.28 | $33.33 |
| $500 | $11.92 | $25.34 | $41.66 |
| $600 | $14.30 | $30.41 | $50.00 |
| $700 | $16.69 | $35.48 | $58.33 |
| $800 | $19.07 | $40.55 | $66.66 |
| $900 | $21.46 | $45.62 | $74.99 |
| $1,000 | $23.84 | $50.69 | $83.33 |
| $1,100 | $26.22 | $55.76 | $91.66 |
| $1,200 | $28.61 | $60.83 | $99.99 |
| $1,300 | $30.99 | $65.89 | $108.32 |
| $1,400 | $33.37 | $70.96 | $116.66 |
| $1,500 | $35.76 | $76.03 | $124.99 |
| $1,600 | $38.14 | $81.10 | $133.32 |
| $1,700 | $40.53 | $86.17 | $141.65 |
| $1,800 | $42.91 | $91.24 | $149.99 |
| $1,900 | $45.29 | $96.31 | $158.32 |
| $2,000 | $47.68 | $101.38 | $166.65 |
| $2,100 | $50.06 | $106.45 | $174.98 |
| $2,200 | $52.45 | $111.51 | $183.32 |
| $2,300 | $54.83 | $116.58 | $191.65 |
| $2,400 | $57.21 | $121.65 | $199.98 |
| $2,500 | $59.60 | $126.72 | $208.31 |
| $2,600 | $61.98 | $131.79 | $216.65 |
| $2,700 | $64.37 | $136.86 | $224.98 |
| $2,800 | $66.75 | $141.93 | $233.31 |
| $2,900 | $69.13 | $147.00 | $241.64 |
| $3,000 | $71.52 | $152.07 | $249.98 |
| $3,100 | $73.90 | $157.13 | $258.31 |
| $3,200 | $76.29 | $162.20 | $266.64 |
| $3,300 | $78.67 | $167.27 | $274.97 |
| $3,400 | $81.05 | $172.34 | $283.31 |
| $3,500 | $83.44 | $177.41 | $291.64 |
| $3,600 | $85.82 | $182.48 | $299.97 |
| $3,700 | $88.21 | $187.55 | $308.30 |
| $3,800 | $90.59 | $192.62 | $316.64 |
| $3,900 | $92.97 | $197.68 | $324.97 |
| $4,000 | $95.36 | $202.75 | $333.30 |
| $4,100 | $97.74 | $207.82 | $341.63 |
| $4,200 | $100.12 | $212.89 | $349.97 |
| $4,300 | $102.51 | $217.96 | $358.30 |
| $4,400 | $104.89 | $223.03 | $366.63 |
| $4,500 | $107.28 | $228.10 | $374.96 |
| $4,600 | $109.66 | $233.17 | $383.30 |
| $4,700 | $112.04 | $238.24 | $391.63 |
| $4,800 | $114.43 | $243.30 | $399.96 |
| $4,900 | $116.81 | $248.37 | $408.29 |
| $5,000 | $119.20 | $253.44 | $416.63 |
Member Monthly Premium
5 Year Duration – All Rates
| Benefit | 18-49 | 50-59 | 60+ |
| $300 | $10.94 | $26.77 | $39.45 |
| $400 | $14.59 | $35.70 | $52.60 |
| $500 | $18.24 | $44.62 | $65.75 |
| $600 | $21.89 | $53.55 | $78.90 |
| $700 | $25.54 | $62.47 | $92.05 |
| $800 | $29.18 | $71.39 | $105.20 |
| $900 | $32.83 | $80.32 | $118.34 |
| $1,000 | $36.48 | $89.24 | $131.49 |
| $1,100 | $40.13 | $98.17 | $144.64 |
| $1,200 | $43.78 | $107.09 | $157.79 |
| $1,300 | $47.43 | $116.01 | $170.94 |
| $1,400 | $51.07 | $124.94 | $184.09 |
| $1,500 | $54.72 | $133.86 | $197.24 |
| $1,600 | $58.37 | $142.79 | $210.39 |
| $1,700 | $62.02 | $151.71 | $223.54 |
| $1,800 | $65.67 | $160.64 | $236.69 |
| $1,900 | $69.31 | $169.56 | $249.84 |
| $2,000 | $72.96 | $178.48 | $262.99 |
| $2,100 | $76.61 | $187.41 | $276.14 |
| $2,200 | $80.26 | $196.33 | $289.29 |
| $2,300 | $83.91 | $205.26 | $302.44 |
| $2,400 | $87.55 | $214.18 | $315.59 |
| $2,500 | $91.20 | $223.11 | $328.74 |
| $2,600 | $94.85 | $232.03 | $341.88 |
| $2,700 | $98.50 | $240.95 | $355.03 |
| $2,800 | $102.15 | $249.88 | $368.18 |
| $2,900 | $105.80 | $258.80 | $381.33 |
| $3,000 | $109.44 | $267.73 | $394.48 |
| $3,100 | $113.09 | $276.65 | $407.63 |
| $3,200 | $116.74 | $285.58 | $420.78 |
| $3,300 | $120.39 | $294.50 | $433.93 |
| $3,400 | $124.04 | $303.42 | $447.08 |
| $3,500 | $127.68 | $312.35 | $460.23 |
| $3,600 | $131.33 | $321.27 | $473.38 |
| $3,700 | $134.98 | $330.20 | $486.53 |
| $3,800 | $138.63 | $339.12 | $499.68 |
| $3,900 | $142.28 | $348.04 | $512.83 |
| $4,000 | $145.92 | $356.97 | $525.98 |
| $4,100 | $149.57 | $365.89 | $539.13 |
| $4,200 | $153.22 | $374.82 | $552.27 |
| $4,300 | $156.87 | $383.74 | $565.42 |
| $4,400 | $160.52 | $392.67 | $578.57 |
| $4,500 | $164.17 | $401.59 | $591.72 |
| $4,600 | $167.81 | $410.51 | $604.87 |
| $4,700 | $171.46 | $419.44 | $618.02 |
| $4,800 | $175.11 | $428.36 | $631.17 |
| $4,900 | $178.76 | $437.29 | $644.32 |
| $5,000 | $182.41 | $446.21 | $657.47 |