BLET Short Term Disability (Sun Life)

Open Enrollment is now through May 31st, 2019.

Coverage begins on June 1st, 2019.

Summary of Benefits and Rates

About Open Enrollment

We are pleased to announce that the open enrollment for the BLET’s Enhanced-Plan Short Term Disability is available to all locomotive engineers who are currently working on a railroad that participated in Article IV, Part A, Section 5 of the December 16, 2003 National Agreement (note: BNSF, NS and Amtrak do not participate in this plan). This option provides an additional $102 weekly benefit for on and off the job disabilities, effective June 1, 2019.

Please Note: if you are currently enrolled and paying for the Enhanced-Plan, you are not required to do anything to maintain your benefits. As of January 1, 2019 your Part B coverage ($375 per week) has automatically become the Enhanced-Plan coverage ($402 per week).

Eligible Railroads: Belt Railway of Chicago; Conrail Shared Assets; CSX Transportation, including Bombardier Transportation Services (who took over CSXT-operated MARC commuter service); CP–D&H; CP–Soo Line; KCS; Longview Switching; Metra; Portland Terminal; Terminal Railway – Alabama State Docks; and Union Pacific.

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.

Time Left to Enroll

Day(s)

:

Hour(s)

:

Minute(s)

:

Second(s)

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

Share This