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Insured
By: Anthem Life Insurance Company - An “A” Rated Insurance Carrier *Benefit Overview: $346 per Week
(Tax Free) for up to 52 Weeks 30 day Elimination Period 24/7 Coverage for on & off the job disabilities
resulting from Accident or Sickness Waiver of Premium and Survivor Benefit Maternity Benefit 3-Year Rate Guarantee Coverage is Offset by other disability benefit(s) if your combined benefit
exceeds $693 per week or 67% of base pay, whichever is less. Coverage is Not Offset by an individual disability insurance plan (such as UTUIA plans)
Coverage Exclusions - Include but are not
limited to: 12/12
Pre Existing Conditions Intentionally Self-Inflicted Injuries Incarceration Participation in a Riot Loss of Professional License, Occupational
License or Certification Commission of a Crime War or Act
of War
Enrollment: All Eligible UTU RAIL members are “Automatically Enrolled” in the plan.Because initial coverage is Guaranteed
Issue regardless of health conditions…
Members desiring
NOT TO PARTICIPATE must complete, sign, and mail the waiver of coverage postcard
to the International office. By
completing the post card, you acknowledge that you were offered coverage, have declined to be enrolled, and elect to waive
your right to participate in the plan.
New Members of the UTU are provided Guaranteed Enrollment if they enroll by NOT electing
to waive coverage within 30 days of becoming an active member. ANTHEM LIFE INSURANCE COMPANY United Transpostation Union Voluntary Disability Insurance RAIL PLAN Additional Overview of Coverage
Explanations* 30 day Elimination Period - This is the period
of time that must pass from the onset of disability before disability benefits become payable. Once the 30 day period is satisfied,
the disability benefits are payable for up to 52 weeks. Waiver of Premium – After the 30 day Elimination Period has been satisfied, premiums due while you are totally
disabled will be “waived” for the duration of the disability. Survivor Benefit - If you pass away after being disabled, and while receiving, or eligible
to receive a monthly benefit, your Eligible Survivor will be paid $4,500. Maternity Benefit – Maternity is treated as any other illness for purposes of calculating
a disability benefit. 12/12 Pre Existing Condition – Any illness or injury for which a prudent person would have received medical treatment or advice for 12 months
prior to your coverage effective date will not be covered for 12 months after the effective date. Once the twelve month period
has passed, pre-existing conditions will be fully covered. Loss of Professional License, Occupational
License or Certification – The occurrence of any of these
events does not constitute a disability. *Note: This document highlights
important features of your VSTD plan and is intended as an Overview
only. Not all features and exclusions are listed; refer to your Certificate of Coverage or the Anthem Life Insurance Company
plan document for complete details.
Members desiring NOT TO PARTICIPATE must complete, sign and mail the
Wavier of Coverage Postcard which will be included in your information package to the United Transportation Union International
Office as soon as possible to avoid any deductions.
To download and print a copy of the Waiver, please click here
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