Employee Insurance

Health Insurance

You have the option to enroll in a variety of health insurance plans offered through the Group Insurance Commission (GIC). Employees are responsible for 25% of the monthly premium for coverage. Coverage begins the first day of the month following 60 days from date of hire.

Basic and Supplemental Life Insurance

• Non-affiliated Employees: The basic life insurance offered through the GIC to employees is $5,000. If you’re enrolled in basic life insurance, you are also eligible for optional life insurance worth up to eight times your annual salary. This benefit is 100% employee-paid.
• Affiliated Employees: If you’re enrolled in the Health & Welfare Fund, you will receive an additional $25,000 worth of life insurance paid for by the MBTA.

Long-Term Disability Insurance

Employees are eligible for the GIC’s long-term disability program, which provides replacement of lost income due to disability. Long-term disability claims begin after 90 consecutive calendar days of disability. This benefit is 100% employee-paid through payroll deductions. If you do not enroll during the initial enrollment period, you must provide proof of insurability to the insurance company.

Dental and Vision Insurance

• Non-affiliated Employees: Dental insurance is available through Metropolitan Life Insurance Company, and vision care insurance is provided by Davis Vision.
• Affiliated Employees: If you participate in the Health & Welfare Fund, you may enroll in the MBTA Dental Plan and Vision Plan. Employees are responsible for 43% of monthly dental premiums and 75% of monthly vision premiums.