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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 as an employee is $5,000. If you’re enrolled in basic life insurance, you are also eligible for optional life insurance up to 8 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 of life insurance paid 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 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.
  • 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.