Enhanced life insurance benefit now available to BLET members

Working in conjunction with all of Rail Labor, the Brotherhood of Locomotive Engineers and Trainmen has obtained an improved life insurance benefit for its members.

Effective immediately, MetLife will offer an "Accelerated Benefit Option" (ABO) to active employees who are eligible for the life insurance coverage provided through the Railroad Employees National Health and Welfare Plan (GA-23000). There is no charge for this benefit enhancement.

Under the ABO, a participant diagnosed as terminally ill as a result of injury or sickness, with no more than 12 months to live, will be able to receive an immediate payment of up to 50 percent of their life insurance amount. The payment may be used for any purpose.

A request for ABO payment is subject to independent medical review and approval by MetLife. Payment will generally be made in a lump sum. The remaining insurance benefit payable at death will be reduced by the amount of the accelerated benefit payment.

ABO is not available to retirees. The option is limited to benefit amounts of $20,000 or more.

The BLET obtained this improved benefit for its members by working with other unions through the Cooperating Railway Labor Organizations, or CRLO. Over the past several years, rail labor unions have bargained jointly for health and welfare benefits under the auspices of the CRLO. The BLET is one of 12 unions that comprise the CRLO.

Please note that this benefit is automatically available to all members covered by the plan, therefore, there is no need to take any action at this time. If you wish to submit a claim for consideration of this benefit, please contact MetLife at (800) 310-7770.


© 2008 Brotherhood of Locomotive Engineers and Trainmen