SMART Local 830
Harrisburg, PA
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  • Sep 03, 2015

    Providing Security for transportation industry workers and their families through life, health, and retirement products for over 135 years!

    More than 135 years ago, UTUIA predecessors made a commitment to join together to protect fellow employees in the rail industry, and their  families, against losses sustained due to hardship, injury and death.

    Because of the hazardous nature of their occupation, commercial insurance companies would not insure railroad employees. As these employees were too generous to allow their fellow workers to suffer, they assisted one another by taking up collections? passing the hat, if you will? for the benefit of the afflicted worker, or for the worker's family in the event of his death. Railroaders were independent, however, and the idea of charity did not appeal to them. From this history and tradition, the idea of mutual help was born.

    Those employed in the transportation industry may apply for membership in UTUIA. From its roots of fraternalism more than 131 years ago, UTUIA has evolved to provide today's insurance and financial products to meet member's needs.

    The mission of United Transportation Union Insurance Association is:

    • To promote the general welfare of its members in matters of mutual concern and interest;
    • To disseminate information about life, health and annuity products developed to fulfill the personal and financial needs of its members, thereby providing for the security of UTUIA members and their families;
    • To render uncompromising service to its members quickly, efficiently and professionally;
    • And, to encourage and facilitate community outreach and volunteer activities through its local units.

    UTUIA's pledge to its members is that it will continue to conduct its business affairs for the benefit and security of its members and their families. UTUIA recognizes its obligations to its members and shall constantly strive to live up to the ideals of the fraternal benefit system.

    For More Information, Contact Your Field Supervisor:

    Chris Malley

    Cell: (717) 329-0427


    Fax: (717) 932-1785

    Sep 27, 2015


    Protect Your Family Protect Your Income Protect Your Future
    Whole Life Insurance
    • Level premiums
    • Level death benefit
    • Cash value accumulation
    • Spouse and children's rider with guaranteed conversion privlege
    • Single premium, 10- or 20-year pay, life paid-up at age 65 or lifetime payment plans
    • Terminal Condition Accelerated Death Bennefit Rider included*
    Term Life Insurance
    • Affordable low premiums
    • Can enhance whole life insurance
    • cover certain indebtness, such as home mortgage, credit card debt or college tuition
    • 10- 20- or 30-year term, term to age 75 or 75 and Annual Renewable Term
    • Guaranteed conversion privilege
    • Terminal Condition Accelerated Death Benefit Rider included*
    Gift of Life
    • Life insurance for your children
    • Term to age 23
    • Only $.40 monthly per $1,000 death benefit for the full term period
    • Automatic Conversion Privilege
    Disibility Income Replacement
    • On or off-the-job illness or injury
    • Up to $2,000 monthly, tax-free income
    • 6-,12- or, 18 month benefit available
    • Can never be canceled as long as premiums are paid
    Cancer Hospital Indemnity*
    • $300.00 per-day hospital confinement benefit after 90 days
    • $600 extended stay benefit after 90 days
    • $2,000 first diagnosis
    • $15,000 Bone marrow transplant
    • Home recovery and convalescent benefit
    • Family rider available
    Accident Indemnity*
    • On or off-the-job injury
    • Two benefit levels to choose from
    • Less than $1.00 a day
    • Emergency treatment
    • Hospital confinement (365 days per incident)
    • ICU confinement
    • Dislocations, eye injuries, coma, burns, lacerations, paralysis, skin grafts, fractures, and surgical procedures
    • Major Diagnostic Exams
    • Physical Therapy
    • Prostheses
    • Ambulance
    Accidental Death and Dismemberment
    • $20,000, $40,000 or $60,000 death benefit
    • $600 daily ICU benefit
    • Daily family lodging and meals
    • Family rider available
    Final Expense Whole Life
    • Guaranteed Level Premium
    • No physical exam
    • Builds cash value
    • Benefits never decrease
    • Designed for ages 50-80
    • Flexible premium annuity
    • Traditional and ROTH IRA's available
    • $25 minimum contribution


    *Certian restriction apply, see policy details.

    Protection you need

    The UTUIA is committed to providing you and your family with the protection they deserve at a price you can afford. Our insurance plans are flexible, affordable and can provide you with the peace of mind you deserve.

    Protect Your Family

    Your family depends on you to provide a comfortable, safe lifestyle. UTUIA is committed to providing options to fit every need and budget.

    Click on the links below to learn more about our products.

    New: Final Expense Life Insurance

    Accidental Death and Dismemberment

    Disability Income Replacement

    Cancer Hospital Indemnity

    Whole Life Insurance

    Term Life Insurance

    Child Life Insurance

    IRA’s / Annuities

    Nov 16, 2016

    Apr 03, 2015

    UTU DIPP: Above all, ‘peace of mind’

    By General Secretary & Treasurer Kim Thompson

    We are all familiar with employers imposing unwarranted discipline and even dismissal on employees.

    A member survey by the UTU’s Rail Safety Task Force revealed that more than 50 percent of train, engine and yard workers cite supervisor harassment and excessive operational testing as distracting them from situational awareness and placing them in harm’s way.

    Said one member responding to the survey: “An alarming number of workers are in fear of losing their jobs. Harassment is now the number-one concern in the discharge of duty.”

    Income assistance is available to all UTU members, in all crafts, having to weather such events.

    The UTU’s Discipline Income Protection Program (DIPP) is a vital benefit only available to UTU members to supplement lost income when suspended or dismissed from employment.

    For a reasonable premium, UTU members may enroll for a daily benefit amount ranging from $6 to $200 per day, not to exceed their normal average daily rate of earnings.

    Since 2005, the UTU DIPP has paid more than $64.3 million in benefits to members, dwarfing its nearest competitors in terms of benefits paid to UTU members.

    The UTU DIPP is by far the largest and most effective protective plan providing such benefits.

    From January 2009 through July 2010, more than $16 million in benefits has been paid. Additionally, the UTU DIPP pays out more than 93 percent of premiums in benefits, with the balance paying administrative costs and building additional reserves.

    The UTU DIPP is the only program of its kind that is regulated by the Department of Labor, publishes financial statements, holds its funds in trust, and is audited annually by a public accounting firm. The UTU DIPP is audited by the public accounting firm of Corrigan Krause.

    Not only is there security in having income replacement available, but there is security in knowing that funds will be available when needed.

    The UTU prides itself in paying such claims. As with any federally regulated plan — the UTU DIPP is regulated under the Employee Retirement Income Security Act (ERISA) — the UTU DIPP is bound by strict guidelines.

    The UTU must and does review the particular facts in each incident to insure payment in every case possible. Questioned cases may also be submitted to committee review. As for benefit exceptions, a general rule of thumb is “if you have no control over the event, the UTU DIPP will pay.”

    For peace of mind in the event you fall victim to unwarranted loss of income through employer discipline, every UTU member is advised to strongly consider participation in the UTU DIPP.

    For additional information on the UTU DIPP, you may contact your field supervisor, local insurance representative or e-mail

    More information on the UTU DIPP may be found at the UTU home page at by clicking on “DIPP” in the links at the top.

     Contact your Field Supervisor:

    Chris Malley SMART Local 830
    Phone: (717) 329-0427    


    DIPP Application.pdf

    Apr 19, 2016

    Sep 27, 2015

    Page Last Updated: Apr 19, 2016 (13:30:00)
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