Disability & "Deadhead" Coverage

NS Conductors

Voluntary Disability Insurance and "Dead Head" Coverage

Norfolk Southern Railroad

This plan is now available to any eligible person without answering medical questions. Call us at 800-596-6445 to sign up.

Downloadable Forms

Who is eligible?

	Conductors who are members of the BLET
	Engineers who don’t make the list of Engineers with preponderance of earnings as an Engineer each year who are members of the BLET

Benefit Costs

	$27.00 Disability Coverage
	$2.00 Dead Head Coverage
	$29.00 Total

Benefit Outline

Short Term Disability provided by Reliance Standard Life

	$255 per Week Benefit tax free (approximately $1,105 per month)
	Any eligible member may sign up without answering medical questions
	30 day Elimination Period
	52 Week Benefit Period
	24 Hour Coverage (you are covered for both on the job and off the job disabilities - accident and illness)
	Offset by any group Insurance Plan. Not offset by Individual Coverage, Sick benefits or Railroad Retirement
	Full Maternity Benefits
	Waiver of Premium while receiving Benefit Payments
	2 Year Rate Guarantee
	12/12 Pre Existing Conditions

Third Party Accident Insurance "Deadhead Coverage" provided by Reliance Standard Life

	Coverage applies while "Dead Heading" if you cannot claim through FELA
	$500,000 Accidental Death and Dismemberment
	10 times Earnings Cap
	$10,000 Extra Seatbelt Coverage
	$5,000,000 Aggregate per Accident

Accidental Death, Dismemberment and Paralysis

Losses Paid at 100%

	Life
	Both Hands or Both Feet
	Sight of Both Eyes
	One Hand and One Foot
	One Hand and the Sight of One Eye
	One Foot and the Sight of One Eye
	Speech and Hearing in Both Ears
	Quadriplegia

Losses Paid at 75%

Paraplegia

Losses Paid at 50%

	The Sight of One Eye
	One Hand or One Foot
	Speech or Hearing in Both Ears
	Hemiplegia

Losses Paid at 25%

Thumb and Index Finger of the Same Hand

Reduction Schedule

The maximum amount used to determine the amount payable for a loss will be reduced if an insured person is age 70 or older on the date of the accident causing the loss with respect to any of the following benefits provided by the plan: Accidental Death Benefit, Accidental Dismemberment Benefit, Paralysis Benefit or Seat Belt Benefit. The maximum amount is reduced to a percentage of the maximum amount that would be used if the insured person were under age 70 on the date of the accident according to the following schedule:

	70 to 74 - 65%
	75 to 79 - 45%
	80 to 84 - 30%
	85 an over - 15%

Seat Belt Benefit

Pays an additional benefit of $10,000 if a covered accidental death occurs while operating or riding as a passenger in an automobile if it is verified that the person was wearing a properly-fastened, originally factory-installed seat belt

This is a summary of benefits only. For a complete description of benefits and limitations, refer to the policy booklet.