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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.

Job Alerts

A crew woman at night along the Blue Line tracks, with a headlamp and safety vest

Interested in joining the MBTA? Sign up for job alerts, and we'll let you know when new roles become available. 

Careers FAQ

Learn more about our application process, student internships, or how to become an MBTA operator.

Job Alerts

A crew woman at night along the Blue Line tracks, with a headlamp and safety vest

Interested in joining the MBTA? Sign up for job alerts, and we'll let you know when new roles become available. 

Careers FAQ

Learn more about our application process, student internships, or how to become an MBTA operator.