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Service Change Ongoing
MBTA service levels have been increased in the interest of the health and safety of our riders and employees. All riders must use face coverings when on the MBTA. More:

Employee Insurance

More from Employee Benefits

Learn more about the range of programs T employees are eligible for.

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.