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

Rhode Island Residents (RAIL)

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

  Rhode Island 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