Coming Soon
The New SMART-TD Voluntary Income and Life Protection (VILP) Program!
SMART-TD is pleased to announce the upcoming launch of the new Voluntary Income and Life Protection (VILP) Program, available to members during the upcoming Open Enrollment period.
This program introduces a new Voluntary Gap Short-Term Disability Insurance Plan. It is designed to enhance and work alongside the existing SMART-TD Voluntary Short-Term Disability (VSTD) coverage. By stacking with the current benefits, this new plan offers expanded income protection for members who are unable to work due to injury, illness, or surgery.
In addition to this new coverage, members will continue to have access to Voluntary Long-Term Disability (VLTD) and Voluntary Life Insurance (VLIFE). Together, these three benefits form the SMART-TD VILP Program, providing a comprehensive package of financial protection tailored to the unique needs of SMART-TD members.
The SMART-TD VILP Program is part of our ongoing commitment to strengthening the financial security of our members and their families.
More information coming soon!
Voluntary Long-Term Disability (VLTD) & Voluntary Group Life (VLIFE) Plans
As a full dues-paying Member of SMART-TD, you have exclusive access to these fantastic offerings. Our aim? To provide you with the very best income replacement options available to Rail and Bus workers.
What’s more, our plans are supported by Sun Life, ensuring a comprehensive coverage you can rely on.
These plans offer a variety of key features and benefits.
NEW!
Voluntary GAP Short-Term Disability (STD)
– Up to $550 a week
– Stacks with current SMART-TD VSTD benefits
– 21-day waiting period
– Benefits are tax free
Voluntary Long-Term Disability (VLTD) Benefits
– Enjoy a seamless enrollment process with up to $5,000 in disability coverage, no medical tests required.
– Get coverage 24/7 for all covered injuries, illnesses, and surgeries.
– Tax-free benefits available for up to five years, offering financial support during prolonged disability periods.
– Pre-existing conditions? They’re covered after one year of uninterrupted coverage.
Voluntary Group Life (VLIFE) Features
– Get up to $250,000 in Life Insurance coverage for Members, $50,000 for Spouses and $10,000 for Dependents under 26.
– Life benefit doubles for accidental deaths.
– No medical tests or questions.
– Coverage is 24/7 on and off the job.
United Transportation Union Insurance Association (UTUIA)
In addition to our VLTD and VLIFE offerings, enhance your protection with the United Transportation Union Insurance Association (UTUIA). The UTUIA adds a layer of security with Cancer Insurance, Accidental Death and Dismemberment Insurance, and Accident Indemnity Insurance.
Take advantage of this opportunity to safeguard your financial future with our VLTD and VLIFE plans. We’re here to back you up throughout your career journey.