SMART-TD Metra GCA Life and AD&D Insurance

Special Life Insurance Coverage

As a member of the SMART-TD Metra GCA you and your family now have access to special Life Insurance coverage and rates.

In this uncertain health crisis, you have the chance to take advantage of a one-time, special enrollment opportunity that will allow you, your spouse, and dependent children to supplemental Life Insurance. If you take advantage of this special opportunity you can elect up to $200,000 of coverage for yourself and $50,000 for your spouse and $15,000 for dependent children without answering any medical questions. This helps ensure your family members receive the help they’ll need in a time of loss.

Your income is one of the most valuable assets you have. In fact, most railroad workers are their family’s primary income earner. Making the decision to invest in life insurance has never been easier. Our dedicated benefit specialists are here to answer any questions you may have about the enclosed benefit information so every union member can be educated and informed.

Don’t miss out! You only have until November 30, 2020, to enroll in this one-time, special offer.

Life with Accidental Death & Dismemberment (AD&D) Benefits & Rates

Guaranteed Approved – No medical tests, questions, or underwriting to enroll.

  • Members can elect coverage up to $200,000 in $10,000 increments
  • Coverage includes an equal amount of Accidental Death and Dismemberment
  • Pre-existing conditions are covered DAY ONE
  • Spousal and child life coverage available when Member Life is elected (up to 50% of member election)
    • Spouse can be covered up to $50,000 in $5,000 increments
    • Children can be covered at $15,000
  • Life coverage is convertible & portable
Member Spouse* Child(ren)/Dependents
Coverage Under 40 40+ Coverage Under 40 40+ Coverage Monthly Premium
$10,000 $3.80 $5.00 $5,000 $1.90 $2.50 $15,000 $3.00
$50,000 $15.00 $21.00 $25,000 $7.50 $10.50
$100,000 $29.00 $41.00 $50,000 $15.00 $21.00
$150,000 $43.00 $61.00
$200,000 $57.00 $81.00

*Spouse Premiums based on Member Age

Remember the railroad provides just a small amount of Life Insurance, so a sudden or early death can devastate the loved ones you leave behind.

Coverage Underwritten by Elips Life Insurance Company

Please note that coverage is for SMART-TD Metra GCA members only. If you leave the SMART-TD Metra GCA for any reason, are dismissed, retired, terminated, suspended, furloughed or experience any other change that effects your actively working status, you are no longer eligible for coverage and it is your responsibility to contact our office immediately at 847-387-3555. If you do not contact our office within 30 days of your date of your employment or union status change, there will be no refund for any premium paid. It is the responsibility of the member to contact Cornerstone with any status change.

The SMART-TD Metra GCA does not make any endorsement or recommendations regarding these benefits. It is solely the member’s decision to enroll. This program is completely voluntary and benefits can be elected on an a la carte basis.

This is a basic summary of benefits and makes no guarantee or warranty on the processing of claims. It is recommended that each member with coverge obtain a copy and read the entire policy booklet. To obtain a copy of the policy, please visit or contact the Cornerstone office at 847-387-3555 or

Enrollment Ends








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