SMART-TD Metra 1290
Open Enrollment is now through Monday, April 30th, 2018.
This open enrollment is for New Members who joined the union between 7/1/2017 and 4/1/2018. Coverage begins on Tuesday, May 1st, 2018.
or call 224-770-5306
About Open Enrollment
We are pleased to inform you that your union is currently in an open enrollment. All of the available coverages are offered separately and a member’s participation in one or all of those coverages, and the level to which they elect to participate, is voluntary and strictly their individual choice.
The purpose of this group insurance plan is to give you options to supplement your income in the event that you cannot work as a result of an injury or illness. The group plan offers Short Term Disability, Long Term Disability, Life Insurance and Accidental Death & Dismemberment coverages.
All insurance under this Union Group Policy will cover you for as long as you continue to remain actively employed.
Group Insurance Information
This page will provide you with information related to your union’s group insurance plan. Here you can view and download a copy of the group policy/benefits booklet, view rates, and request information. If you have any questions regarding the benefits options that you are currently enrolled in, please call 847-387-3555.
Please note that if you are suspended, dismissed, or retire, you are no longer eligible for disability coverage and should contact our office immediately at 847-387-3555.
Disabilities that occur after being removed from service are not covered. If you do not contact our office within 30 days of your date of dismissal or date of retirement, there will be no refund for any premiums paid. It is the responsibility of the member to contact Cornerstone Benefits Management at 847-387-3555 or by email at firstname.lastname@example.org.
You will be able to resume your coverage if you return to work within 12 months. If dismissed or suspended, you may keep your life insurance coverage for up to 12 months as long as premiums are paid. Beyond 12 months, your coverage will terminate unless you convert or port the policy.
Note: This also applies to any member who has not had a formal hearing.
This is a group insurance plan; therefore, the costs and benefits are determined by the overall claims experience of the group. Your future rates and benefits may change regardless of whether or not you’ve ever filed a claim.
Know Your Responsibilities
It is the responsibility of the member to notify Cornerstone Benefits Management if employment or union status changes. Failure to properly notify Cornerstone Benefits Management could result in loss of premiums and/or insurance coverage. Notification to Cornerstone Benefits Management must be by phone at 847-387-3555 and/or by email at email@example.com.
As an individual member of the union who is paying for coverage, you are responsible for understanding the group policy and its provisions. To view/download the group policy/booklet, please look under the Policy Documents tab.