BLET Life and Disability Insurance

BLET LIFE & DISABILITY INSURANCE

Your income is one of the most valuable assets. In fact, most railroad workers are the primary income earner for their family. Take advantage of this enrollment opportunity that allows you to supplement the standard benefits provided by the railroad. This helps ensure you and your loved ones are protected from any unexpected income loss.

Take advantage of the following coverage opportunities to protect your income:

• Life insurance
• Short-term disability
• Long-term disability

Benefits are available to all full-time Members who are actively working.

LIFE COVERAGE

with Accidental Death & Dismemberment (AD&D)

• Members currently not enrolled can elect coverage up to $200,000 in $10,000 increments with no medical questions asked.
• Coverage includes an equal amount of Accidental Death and Dismemberment.
• Life coverage is convertible and portable.
• Spouse and child Life coverage is available when Member Life is elected (up to 50% of Member election).
  • Spouses can be covered up to $50,000 in $5,000 increments.
  • Children can be covered at $15,000.

SHORT-TERM DISABILITY (STD)

with 24/7 coverage

• Pays a flat weekly benefit of either $200, $400, or $600.
• Benefit pays for up to 48 weeks.
• Pays on day 30 for injury or illness.
• Pre-existing conditions are covered after 12 months.
• Coverage is not offset (reduced) by other benefits until 80% of pre-disability earnings are attained.
• Benefits paid are tax free.
• Covers on and off the job disabilities resulting from injury or illness

LONG-TERM DISABILITY (LTD)

with 24/7 coverage

• Pays after 365 day waiting period (starts when STD ends).
• LTD option A pays a flat $2,000 monthly benefit for up to 2 years.
• LTD option B pays a monthly benefit of 60% of your pre-disability earnings for up to 5 years.
• Pre-existing conditions are covered after 24 months.
• Covers on and off the job disabilities resulting from injury or illness.
• LTD option A is stackable with other benefits up to 70% of pre-disability earnings.
• LTD option B is directly offset by other benefits.
• Benefits paid are tax free.