BLET Short Term Disability (Sun Life)

Sun Life Base-Plan & Enhanced-Plan

The BLET Short-Term Disability Insurance Plan provides benefits for eligible participants who cannot work due to a disability that help protect your paycheck. The benefits replace a portion of your income if you are out of work due to a qualified illness or injury. The Plan covers eligible locomotive engineers currently working on a railroad participating in Article IV, Part A, Section 5 of the December 16, 2003 National Agreement (please note: BNSF, NS and Amtrak do not participate in this Plan).

The plan has two portions:

  • Base-Plan
  • Enhanced-Plan

Schedule of Benefits for Base-Plan Coverage

  • Eligibility for the Base-Plan is based on the payment of the monthly premium submitted by your railroad to the BLET Disability and Welfare Trust Fund.
  • To be eligible for the Base-Plan, you must have a minimum of 7 starts in the month, at least 1 as an engineer.
    • Your eligibility in any month is based on your work history for the previous month.
    • For example: To be eligible for coverage in July, you would have to have a minimum of seven starts with one start as a locomotive engineer in June (previous month).
    • In any month for which you do not meet this work history, you will lose Base-Plan coverage for the following month.
  • The Base-Plan benefit:
    • Covers on and off the job disabilities
    • $300 per week with a 21-day elimination period from the date of medical disability.
    • The maximum benefit period is 52 weeks.
  • Base-Plan benefits are taxable as ordinary income — you will receive a W-2.

Schedule of Benefits for Enhanced-Plan Coverage

  • The Enhanced-Plan is voluntary. Participation in this Enhanced-Plan Short-Term Disability is not required as a condition of your employment.
  • NOTE: Enrollment and participation in the Enhanced-Plan may only take place during the periodic open enrollments.
  • In order to remain eligible for the Enhanced-Plan coverage, you must maintain your Base-Plan coverage eligibility (that is, you must work a minimum of 7 starts in a month, at least 1 as an engineer).
  • The Enhanced-Plan benefit:
    • Covers on and off the job disabilities
    • $402 per week with a 21-day elimination period from the date of medical disability.
    • The maximum benefit period is 52 weeks.
  • Enhanced-Plan monthly premium is $20.00 which is paid for via monthly ACH by each participant.
  • The additional $102 benefit of the Enhanced-Plan is non-taxable.
  • Enhanced-Plan benefits are not subject to repayment upon receipt of a FELA settlement (no repayment after a personal injury settlement).

File a Claim

To file a claim for BLET Short-Term Disability coverage, please call Cornerstone Benefits Management at 224-848-4941 M-F between 8am and 5pm CST.

Request a Copy of the Insurance Certificate

Policy Documents

Benefits and Rates

For Disabilities Prior to 1/1/19 (MetLife)

Contact Us

Office: 847-387-3555 | Fax: 815-425-5349
info@uniondisability.com

Claims: 847-387-3889 | Fax: 847-580-4937
claims@uniondisability.com

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