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

Vermont Residents (RAIL)

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

  Vermont Residents (RAIL) Sample Policy (AMINDDI-15)
  • 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
$1,000.00 $21.28 $45.24 $74.38
$2,000.00 $42.55 $90.49 $148.76
$3,000.00 $63.83 $135.73 $223.14
$4,000.00 $85.11 $180.98 $297.53
$5,000.00 $106.38 $226.22 $371.91
Member Monthly Premium

5 Year Duration

Benefit 18-49 50-59 60-65
$1,000 $32.90 $80.49 $118.59
$2,000 $65.79 $160.97 $237.17
$3,000 $98.69 $241.46 $355.76
$4,000 $131.58 $321.95 $474.34
$5,000 $164.48 $402.44 $592.93
Member Monthly Premium

2 Year Duration – All Rates

Benefit 18-49 50-59 60-65
$300.00 $6.38 $13.57 $22.31
$400.00 $8.51 $18.10 $29.75
$500.00 $10.64 $22.62 $37.19
$600.00 $12.77 $27.15 $44.63
$700.00 $14.89 $31.67 $52.07
$800.00 $17.02 $36.20 $59.51
$900.00 $19.15 $40.72 $66.94
$1,000.00 $21.28 $45.24 $74.38
$1,100.00 $23.40 $49.77 $81.82
$1,200.00 $25.53 $54.29 $89.26
$1,300.00 $27.66 $58.82 $96.70
$1,400.00 $29.79 $63.34 $104.13
$1,500.00 $31.91 $67.87 $111.57
$1,600.00 $34.04 $72.39 $119.01
$1,700.00 $36.17 $76.92 $126.45
$1,800.00 $38.30 $81.44 $133.89
$1,900.00 $40.43 $85.96 $141.32
$2,000.00 $42.55 $90.49 $148.76
$2,100.00 $44.68 $95.01 $156.20
$2,200.00 $46.81 $99.54 $163.64
$2,300.00 $48.94 $104.06 $171.08
$2,400.00 $51.06 $108.59 $178.52
$2,500.00 $53.19 $113.11 $185.95
$2,600.00 $55.32 $117.64 $193.39
$2,700.00 $57.45 $122.16 $200.83
$2,800.00 $59.57 $126.68 $208.27
$2,900.00 $61.70 $131.21 $215.71
$3,000.00 $63.83 $135.73 $223.14
$3,100.00 $65.96 $140.26 $230.58
$3,200.00 $68.08 $144.78 $238.02
$3,300.00 $70.21 $149.31 $245.46
$3,400.00 $72.34 $153.83 $252.90
$3,500.00 $74.47 $158.36 $260.33
$3,600.00 $76.60 $162.88 $267.77
$3,700.00 $78.72 $167.41 $275.21
$3,800.00 $80.85 $171.93 $282.65
$3,900.00 $82.98 $176.45 $290.09
$4,000.00 $85.11 $180.98 $297.53
$4,100.00 $87.23 $185.50 $304.96
$4,200.00 $89.36 $190.03 $312.40
$4,300.00 $91.49 $194.55 $319.84
$4,400.00 $93.62 $199.08 $327.28
$4,500.00 $95.74 $203.60 $334.72
$4,600.00 $97.87 $208.13 $342.15
$4,700.00 $100.00 $212.65 $349.59
$4,800.00 $102.13 $217.17 $357.03
$4,900.00 $104.25 $221.70 $364.47
$5,000.00 $106.38 $226.22 $371.91
Member Monthly Premium

5 Year Duration – All Rates

Benefit 18-49 50-59 60-65
$300 $9.87 $24.15 $35.58
$400 $13.16 $32.19 $47.43
$500 $16.45 $40.24 $59.29
$600 $19.74 $48.29 $71.15
$700 $23.03 $56.34 $83.01
$800 $26.32 $64.39 $94.87
$900 $29.61 $72.44 $106.73
$1,000 $32.90 $80.49 $118.59
$1,100 $36.18 $88.54 $130.44
$1,200 $39.47 $96.58 $142.30
$1,300 $42.76 $104.63 $154.16
$1,400 $46.05 $112.68 $166.02
$1,500 $49.34 $120.73 $177.88
$1,600 $52.63 $128.78 $189.74
$1,700 $55.92 $136.83 $201.60
$1,800 $59.21 $144.88 $213.45
$1,900 $62.50 $152.93 $225.31
$2,000 $65.79 $160.97 $237.17
$2,100 $69.08 $169.02 $249.03
$2,200 $72.37 $177.07 $260.89
$2,300 $75.66 $185.12 $272.75
$2,400 $78.95 $193.17 $284.60
$2,500 $82.24 $201.22 $296.46
$2,600 $85.53 $209.27 $308.32
$2,700 $88.82 $217.32 $320.18
$2,800 $92.11 $225.36 $332.04
$2,900 $95.40 $233.41 $343.90
$3,000 $98.69 $241.46 $355.76
$3,100 $101.97 $249.51 $367.61
$3,200 $105.26 $257.56 $379.47
$3,300 $108.55 $265.61 $391.33
$3,400 $111.84 $273.66 $403.19
$3,500 $115.13 $281.71 $415.05
$3,600 $118.42 $289.75 $426.91
$3,700 $121.71 $297.80 $438.77
$3,800 $125.00 $305.85 $450.62
$3,900 $128.29 $313.90 $462.48
$4,000 $131.58 $321.95 $474.34
$4,100 $134.87 $330.00 $486.20
$4,200 $138.16 $338.05 $498.06
$4,300 $141.45 $346.10 $509.92
$4,400 $144.74 $354.14 $521.78
$4,500 $148.03 $362.19 $533.63
$4,600 $151.32 $370.24 $545.49
$4,700 $154.61 $378.29 $557.35
$4,800 $157.90 $386.34 $569.21
$4,900 $161.19 $394.39 $581.07
$5,000 $164.48 $402.44 $592.93