BLET Short Term Disability Plan

Updated – 3/5/14

If you are a locomotive engineer working on a railroad that participated in the Wage/Rules portion of the National Agreement dated December 16, 2003 (as an example; BNSF, NS and Amtrak did not participate in this plan so this information does not apply to engineers working on these properties), your coverage under Part A (described below) of the BLET Short Term Disability Plan will automatically continue.

Part A — NON-OCCUPATIONAL DISABILITIES

Effective March 1, 2014, there will be no changes to Part A coverage:

  • Your eligibility and $40 premium is submitted by the railroad on a monthly basis.
  • Part A pays $402 per week for non-occupational disabilities only, up to 52 weeks. Occupational disabilities are not covered.
  • Each eligible member is insured for $50,000 of Accidental Death and Dismemberment (AD&D) coverage.
  • There is a 14 day waiting period.

Part B — OCCUPATIONAL DISABILITIES

Effective March 1, 2014, the cost for Part B coverage will be reduced significantly to $18 per month. In addition, if you currently participate in Part B coverage or are currently eligible for Part A and enroll for Part B during this enrollment period, Part B will now also cover non-occupational disabilities if you are demoted to train service and become ineligible for Part A coverage after March 1, 2014.

Part B is voluntary. Participation in this additional occupational coverage is not required.

  • The weekly benefit for occupational disabilities is $402 per week, up to 52 weeks.
  • Each eligible member is insured for an additional $50,000 of AD&D coverage. When participating in both Part A and Part B it is $100,000 of AD&D coverage.
  • The benefit is not subject to repayment upon receipt of a FELA settlement (no repayment after a personal injury settlement).
  • The benefit is not considered taxable income.
  • The Part B premium will be paid either via a payroll deduction (like your monthly union dues, although the premium payment is in addition to, not included in, your dues) or via an automatic monthly direct withdrawal authorization arranged with your banking/financial institution.
  • There is a 14 day waiting period.

NOTE: UTU members working as engineers are eligible for Part A and may purchase Part B coverage by making an annual payment of $226 to the BLET Trust Fund. (Complete the form at the link below and return to address noted by February 28, 2014.)

FILING A CLAIM FOR BLET SHORT TERM DISABILITY

  • Call 1-800-858-6506 — MetLife Claim Center.
  • Tell them you would like to file a claim under BLE-T Short Term Disability.
  • Provide information requested, including contact information for your attending physician(s).
  • A Case Manager will be assigned and you will receive a file number, which you must keep available for future reference.
  • Following the call, you will receive an authorization for release of medical information.
  • Sign the document and return to MetLife.

IMPORTANT:

Your initial eligibility for Part B remains dependent on your eligibility for Part A. In order to be eligible for Part A, you must have seven (7) starts in a month with one (1) start as an engineer in the month prior to enrolling for coverage.

Effective March 1, 2014, if you are enrolled in Part B and are demoted to train service and become ineligible for Part A coverage, you will no longer have to notify the Secretary-Treasurer of your local division. Your Part B coverage will automatically cover you for both occupational and non-occupational disabilities until (1) you again become eligible for Part A, (2) elect to discontinue your payroll deduction for Part B coverage, or (3) are no longer a locomotive engineer working on a railroad that participated in the Wage/Rules portion of the National Agreement dated December 16, 2003.

QUESTIONS

Anyone with questions regarding BLET Short Term Disability should contact David Ditzel, BLE-T Short Term Disability Administrator, at 216-241-2630 (ext. 205) or email at dditzel@ble-t.org.