Union Group Benefits places personal supplemental coverage for members of Transport Workers Union of America Local 2015, its Affiliates, and Union Railroaders.
Plans are selected for railroad realities. Enrollment, coverage changes, and claims all run through a single streamlined process — from the first phone call to the paid check.
Six pages, one administration. Pick the door that fits what you came for.
The story behind UGB — 22+ years in voluntary benefits, with a practice built specifically around the lives of railroad families.
Meet SusanTen voluntary supplemental coverages — accident, disability, hospital, critical illness, cancer, life, and more.
See coverageThree steps from sign‑up to coverage, designed to run at the speed of your shift — not the speed of an underwriting department.
How to enrollOne phone call, one short intake, one administration handling the paperwork end‑to‑end — from accident through paid check.
Claims processCurated links for the moments when you need more than a benefits desk — RRB, ACS, mental‑health support, and railroad‑specific organizations.
Resource listWhat makes a benefits practice tailored to the rails different from the generic plan menus your local agent might quote.
The differenceNo call centers. No hold music. No transferred lines. Every plan, every question, and every claim runs through one consistent administration — not a rotating cast of agents in a call queue.
For more than 22 years, Susan Davis has worked exclusively in personal supplemental insurance — the kind of coverage that fills in where major medical, FELA, and RRB benefits stop. Since 2009, her practice has been built around one community in particular: the railroad workers who keep this country moving.
As the authorized plan administrator, Susan handles every enrollment personally, assists with nearly every claim hands‑on, and stays in the loop from the day you sign up to the day the benefit pays out.
All benefits are nontaxable and nonreportable. All benefits pay 100% for on/off job injuries and sickness — beginning with day 1 for injury and day 8 or 15 for sickness. Disability benefits do not have to be paid back. All benefits pay in addition to anything else you have — major medical, FELA, RRB sickness, VA, or other insurance. Pure protection, on top of what's already yours.
Voluntary supplemental coverage designed for the realities of railroad work — injury or sickness, on or off the job, disability leave, and bills that arrive while you're still healing. All plans offer Guaranteed Acceptance.
Lump sum benefits payable to you for dates of service and treatment due to an accident, including emergency room or urgent care visits, fractures, dislocations, surgery, physical therapy and more — whether the accident happens on the job, at home, or on the road. Includes a $50 wellness benefit for every covered family member.
Income protection that replaces a portion of your paycheck when an injury or an illness puts you under doctor's care — on or off the job! Coverage starts paying within days, not months. Available up to $5,000 monthly or 60% maximum.
For the disabilities that don't bounce back — the ones that keep you off the rail for months or years. Replaces a meaningful portion of income for the long haul.
A lump‑sum check payable to you at diagnosis of heart attack, stroke, organ failure, and other covered conditions. Spend it on whatever the diagnosis costs you — medical or otherwise. Includes a $50 wellness benefit for every covered family member.
Admission and daily benefits payable to you in addition to your regular health plan. Helps offset the deductibles, copays, and household expenses your major medical doesn't. Includes a $50 wellness benefit for every covered family member.
Even with medical insurance, a cancer diagnosis can add significant expenses to your life. Cash payments paid directly to you at first diagnosis and recurrence, through every stage of treatment — chemo, radiation, surgery, transportation, lodging and more. Includes a $100 annual wellness benefit for every covered family member.
Term life coverage at union‑group rates — the simple, affordable protection that pays your family if the worst happens. Backed by long‑established, nationally rated underwriting.
Permanent life insurance that builds long‑term cash value you can borrow against or withdraw from — lifelong protection plus a financial asset that follows you after retirement.
Life insurance with level premiums that never increase — simple, inexpensive protection with spouse and dependent coverage available.
Not a product — a promise. Every claim, on every product above, Susan provides you with personal one‑on‑one claim assistance and guidance, from submission to payout. You file once, she handles the rest.
A modern enrollment experience that runs at the speed of your shift — backed by a practice that has worked with railroad families for nearly two decades.
Sit down with Susan — in person, by phone, or over a quick video call. She walks you through every product, what it actually pays, what it costs per pay period, and what makes sense for your family. No upsell, no pressure.
Premium is paid cleanly post‑tax — choose from two options: direct deposit from your existing paycheck, or EFT from a bank account or debit/credit card. Some plans are portable — yours to keep should you retire or change jobs down the line.
One call. Susan opens the claim with the carrier, walks you through what they need, follows it through underwriting, and stays on it until the check arrives. You don't sit on hold — she does.
Voluntary benefit claims that don't take an afternoon to file. One phone number, one short intake, one streamlined process that runs end‑to‑end through a single administration — so the only thing you have to focus on is healing.
Every voluntary benefit on this site files through the same number, the same intake, and the same desk — no juggling carriers, no chasing portals, no separate logins for each policy. One phone call opens the claim, and the rest of the process runs to completion in the background.
A curated set of links for the moments when you need more than a benefits desk — government programs, diagnosis support, mental‑health hotlines, and the railroad‑specific organizations that exist to back you up. Every link opens in a new tab.
External resources listed here are provided for informational and supportive purposes only. Union Group Benefits is not affiliated with, endorsed by, or responsible for the content, programs, or eligibility decisions of these third‑party organizations. Always confirm details directly with the listed organization. For questions about your UGB voluntary benefits or claims, call Susan at 302.507.6768.
Every plan, every rider, and every claim path is shaped around the realities of railroad work — the schedules, the FELA exposure, the RRB benefits, and the specific risks that come with the job. Not a generic benefits menu pulled off a shelf.
Plan selection, rider structure, and claim handling all shaped around the schedules, exposures, and rhythms specific to railroad families. Coverage that fits the job — not a copy‑and‑paste benefits menu.
Officially designated to administer voluntary benefits for TWU Local 2015, its Affiliates, and Union Railroaders — not a third‑party reseller, not a captive agent.
Two decades of reading policy language, navigating claim disputes, and translating the fine print into plain English. Coverage decisions backed by experience, not guesswork.
Every plan is placed through nationally recognized, top‑rated underwriters — the entire benefits stack, organized under a single administration so nothing slips between the cracks.
Premium is paid cleanly post‑tax, from your existing paycheck, bank account, or debit/credit card. Some plans are portable — yours to keep should you retire or change jobs down the line.
Payable benefits are nontaxable, nonreportable, and pay on top of anything else you have — major medical, FELA settlements, RRB sickness, employer disability. Pure protection layered over what's already yours. (Long‑term disability benefit coordinates with other eligible income.)
Whether you're enrolling for the first time, switching coverage, or filing a claim — you reach Susan directly. Enrollments take about twenty minutes. Questions get answered the same day.