Local 0662



Updated August 2014


Rail disability plan revisions effective July 1, 2013

Revisions to the Anthem Voluntary Short Term Disability (VSTD) plan that better reflect the actual claims experience of our rail members and adjust to the prevailing market rate for this type of coverage will become effective July 1, 2013.

The SMART Transportationa Division Board of Trustees have carefully studied the various options available to our group and concluded that these revisions are warranted and necessary for the long-term health and viability of the plan.

First and foremost, our focus is to maintain a basic “safety net” of coverage for our members while balancing plan costs with plan benefits.

The revisions below are effective July 1, 2013. If you currently do not participate in the Anthem VSTD plan because you had previously waived coverage, you are not affected by these revisions.

The monthly premium will remain unchanged at $34.50 per month.

•The plan no longer provides benefits for alcoholism or drug addiction treatment at a rehabilitation center or other institution approved for such treatment.

•The benefit period has been increased to 34 weeks for all disabilities.

Except for these revisions, there are no other changes to the plan or its operation.

There are no new pre-existing condition exclusions to satisfy under the revised plan.

If you have already satisfied the 12-month pre-existing condition exclusion period, or are in the process of satisfying it, then your status will carry forward to the revised plan. Your enrollment date under the original plan will apply to the revised plan.

If you become a member of the plan, for the first time, on or after Jan. 1, 2012, you will be subject to a 12-month pre-existing condition exclusion period (the same provision as existed under the original plan).

If you incur a disability that commences on or before Dec. 31, 2011, your disability benefits (for the entire period of that disability) will be calculated based on the original plan benefits in effect prior to the Jan. 1, 2012, revisions. All disabilities that commence on or after Jan. 1, 2012, will be subject to the revised plan guidelines.

Your benefits remain 100% tax-free.

If you own a UTUIA disability plan, you may continue to collect those benefits with no offset to your Anthem disability benefits 

There is nothing for rail members to do to continue this valuable coverage.

If you decide to leave the plan, you must notify us with a waiver form (available on the SMART website), completed and mailed to Cleveland. Once we receive your waiver form, we will contact your local Treasurer to discontinue deductions and make any necessary refunds to you. 

Once you submit a waiver form, you will no longer be eligible to participate in the plan. If you wish to re-enroll at a later date, you will be subject to full underwriting at your expense, with no guarantee of acceptance. If you are accepted, you will be required to satisfy a new 12-month pre-existing condition exclusion period.

Waiver forms should be mailed to: Attn: Dora Wolf, SMART Transportation Division, 24950 Country Club Blvd., Suite 340, North Olmsted, OH 44070-5333.

In 2009, the UTUIA introduced the Anthem (VSTD) plan and made preparations for the initial enrollment. The plan has received overwhelming support from our rail members, with more than 40,000 enrolled. Since its inception, UTUIA members have become eligible for over $25,000,000 in disability benefits. While we never want to see our members sick or injured, we are excited that the Anthem plan was available when they needed it.

The 9 following Local 662 members have "Opted-Out" of the the Automatic Plan and should not see the $34.50 increase in their payroll deductions.  

Jerry Branscome   Sean Busch        Gary Catchot         Spence Emerson   

Jimmy Hardison   Walter Kyzer       

Dennis Rollings    Mike Russell         Ralph White        

If your name is not listed above and you sent in an "Opt-Out" postcard to UTUIA, please contact the Local Treasurer immediately!

If your name is listed above and by chance you do not see a $34.50 increase in your UTU payroll deduction, please contact the Local Treasurer immediately!     


The following documents should be used by rail members to file a disability claim with Anthem Life Insurance Co.

Member instructions for filing an Anthem claim

Local chairperson instructions for Anthem claims

Anthem claim form

Print the attached PDF. This is your Anthem VSTD Policy Certificate for rail members. It is a complete guide to your benefits.


A short overview of the UTUIA Anthem Group Short-Term Disability National Insurance Plan is available for review below.

You can access the plan brochure, FAQs and the waiver form by clicking on the links below.

* Anthem Voluntary Short Term Disability Insurance -- Rail Plan

* Frequently Asked Questions

* Anthem Short Term Disability Insurance Waiver of Coverage Form

If you have any questions, please feel free to email the Local Treasurer at utu662treasurer@gmail.com


SMART TD Anthem Group Voluntary Short-Term Disability National Insurance Plan



If you have any questions concerning the new UTUIA Anthem Group Voluntary Short-Term Disability National Insurance Plan, please feel free to contact the following UTUIA Representatives:


UTUIA Field Supervisor

Malcolm “T-Bone” Morrison






UTUIA Field Insurance Representative for Virginia

Allan F. Johnson

UTU (SMART) Virginia Assistant State Legislative Director

12836 Winfree Street

Chester, VA 23831-5036