Providing Outstanding Benefit Plans for Rural Telcos and Your Employees
NTCA offers our members a high-quality benefits program with a comprehensive suite of health, retirement, savings and other employee benefit plans. Through this member-driven program, flexible and affordable options can meet a rural telco employer's specific needs.
Already participating in NTCA Benefits? Stay informed with resources developed specifically for you.
Are you a healthcare provider? Access the health claims inquiry site for NTCA Group Health Program claims information.
What's New in NTCA Benefits?
Retirement & Security (R&S) Program/Savings Plan Trust Committee Opening
As a member-driven organization, our members' voices and opinions inform everything we do to further our mission. This includes the important work of the NTCA benefits program trust committees. There is a vacancy on the R&S Program/Savings Trust Committee and the NTCA Board of Directors is seeking applications from interested individuals. Read more about the position and review the candidate questionnaire.
Group Health Program
Competitive state-based rating, access to an expansive national provider network and partnerships with many health care service vendors make GHP a great solution for NTCA members. Customize a benefits package that’s right for your company with choices of medical, wellness, prescription drug, vision, dental, group life, long-term and short-term disability, and accident coverage options.
HR Admin Resources Participant Resources
Retirement & Security (R&S) Program
NTCA members can help secure your employees’ financial future with the R&S Program, a defined benefit “pension” plan designed to provide guaranteed benefits for life at a participant’s retirement. Members select program features that make the most sense for your company, and receive expert regulatory and compliance support, education and consulting resources complimentary as part of membership services.
Savings Plan
In partnership with Fidelity Investments®, NTCA provides our members with a comprehensive, cost-effective defined contribution retirement plan with an expansive range of low-cost investment funds and extensive participant guidance and planning resources. Each company chooses your specific plan options, and our in-house professionals take care of regulatory filings and compliance testing at no additional cost.
Additional Plans
NTCA offers other plans and services including:
Flexible Spending (Section 125) Plan
With NTCA Flex, member employees can use pretax dollars for payment of health and disability premiums, unreimbursed health care expenses and dependent care costs, reducing taxable income. Seamless claims reimbursement is a bonus for members offering the flex plan and GHP.
Deferred Compensation Plans
Help your key executives and board directors accumulate tax-deferred income and bridge gaps in retirements savings using the NTCA deferred compensation plans. This plan is an attractive option for recruitment and retention of NTCA members’ leadership teams.
Section 529 College Savings Plan
NTCA provides members access to a Section 529 college savings plan, a plan designed to provide tax-free savings for higher educational expenses for children and grandchildren.
Postretirement Benefit (PRB) and Prefunding Services
NTCA offers consulting services and liability valuation reporting for members with employer-paid postretirement benefits. Options are also available for members electing to prefund your postretirement benefit liability.
Insurance and Risk Management Plans
Telcom Insurance Group provides NTCA members with property and casualty insurance and executive liability programs.
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Take It From Our Members
"I’m a firm believer in being active and responsible with your personal retirement planning. The benefits that NTCA offered through my employer were exceptional. Having the NTCA Savings Plan was a tremendous benefit which helped me pay for my children’s college education and still be able to retire in my 50s."
August Zehner (Retiree), Intelligent Fiber Network, Indianapolis, Ind.