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Open enrollment begins November 1, 2012 for BLET Short Term Disability Plan

CLEVELAND, October 15 — Open Enrollment for 2013 under the BLET’s Short Term Disability insurance plan begins on November 1, 2012 and runs through December 14, 2012.

If you are a locomotive engineer working on a railroad that participated in the Wage/Rules portion of the National Agreement dated December 16, 2003 (BNSF, NS and Amtrak did not participate in this Plan and this information does not apply to engineers working on these properties), then your coverage under Part A (described below) of the BLET Short Term Disability Plan will automatically continue.

Last year, if you opted out of Part B Coverage (also described below), you may opt back in during this enrollment period. If you currently participate and wish to opt out of Part B coverage, then you can also do so during this enrollment period.

Part A — NON-OCCUPATIONAL DISABILITIES

Effective January 1, 2013, there will be no changes to Part A coverage:

• Your eligibility and $40 premium is submitted by the railroad on a monthly basis.
• Part A pays $402 per week for non-occupational disabilities only.
• Occupational disabilities are not covered.
• Each eligible member is insured for $50,000 of Accidental Death and Dismemberment (AD&D) coverage.

PART B — OCCUPATIONAL DISABILITIES

Effective January 1, 2013, the cost for Part B coverage will remain $23 per month, with no additional changes:

• Part B is voluntary. Participation in this additional occupational coverage is not required.
• The weekly benefit for occupational disabilities is $402 per week.
• Each eligible member is insured for an additional $50,000 of AD&D coverage.
• The benefit is not subject to repayment upon receipt of a FELA settlement (no repayment after a personal injury settlement).
• The benefit is not considered taxable income.
• The premium will be payroll deducted with your monthly union dues.

NOTE: UTU members working as engineers are eligible for Part A and may purchase Part B coverage by making an annual payment of $276 to the BLET Trust Fund. (Complete the form at the link below and return to address noted by December 14, 2012.)

FILING A CLAIM FOR BLET SHORT TERM DISABILITY

• Call 1-800-858-6506 – MetLife Claim Center.
• Tell them you would like to file a claim under BLE-T Short Term Disability.
• Provide information requested, including contact information for your attending physician(s).
• A Case Manager will be assigned and you will receive a file number, which you must keep available for future reference.
• Following the call, you will receive an authorization for release of medical information.
• Sign the document and return to MetLife.

IMPORTANT:
Eligibility for Part B is dependent on your eligibility for Part A. In order to be eligible for Part A, you must have seven (7) starts in a month with one (1) start as an engineer in the month prior to filing for disability. If you are furloughed to train service and become ineligible for Part A coverage, you must notify the Secretary-Treasurer of your local division immediately. At that time, you have three options:

1. Continue coverage of Part A and Part B by paying $40 directly to the BLET Short Term Disability Trust Fund, by the 10th of the month and continuing payroll deduction of $23 for Part B. Coverage may only be continued for six (6) months under this option. If you choose this option, you will need to contact the Plan Administrator (information below) for additional instructions.

2. Discontinue coverage of Part B temporarily until you return to engineer status and become re-eligible for Part A. Engineers who lose Part A coverage due to no fault of their own, may resume coverage for Part B, once they return to engineer status and become re-eligible for Part A. You must keep the Secretary-Treasurer of your local division informed of your status.

3. OPT-OUT of Part B by completing an OPT-OUT form (link below). If you choose to opt-out of Part B, you may only resume coverage during a subsequent annual enrollment period.

CHOICES THAT MUST BE MADE BY DECEMBER 14, 2012

If you currently do NOT participate in Part B and choose to do nothing, you will continue to be eligible for Part A coverage only. If you are currently enrolled in Part B and wish to remain enrolled, then you are not required to take any action.

If you currently do NOT participate and would like to sign-up for Part B coverage during this open enrollment period, or if you DO currently participate and would like to opt-out of Part B coverage, you must complete and return the attached form (link below), by December 14, 2012, to the Secretary-Treasurer of your local division. Your election will become effective on January 1, 2013.

Members, who OPT-OUT of Part B coverage effective January 1, 2013, will not be eligible to enroll for the coverage until the next annual enrollment period.

DESIGNATION OF BENEFICIARY(IES)

You are able to designate your beneficiary(ies) for the AD&D coverage on-line. If you would prefer to submit a paper beneficiary form, it is available on MetLife’s website. A simple registration process is required the first time you access www.metlife.com/mybenefits. Designating your beneficiary(ies) will ensure that your benefit proceeds are paid according to your wishes. If you do not have a designation of beneficiary(ies) on file, proceeds will be paid according to the AD&D plan’s facility of payment clause. Beneficiary designation for this coverage will not impact beneficiary designations for any other Life Insurance or AD&D plans that you may have with MetLife.

QUESTIONS

Anyone with questions regarding BLET Short Term Disability should contact Jim Bradford, BLE-T Short Term Disability Administrator, at 216-241-2630 (ext. 205) or email Bradford@ble-t.org.

A copy of the opt-in/opt-out form is available at:
www.ble-t.org/pr/pdf/2013_STD_opt_in_out.pdf

Monday, October 15, 2012
bentley@ble-t.org

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