Providing Outstanding Benefit Plans for Rural Telcos and Your Employees

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PARTICIPANTS

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?

NTCA Benefits Administration Processes Affected by Third-Party Cybersecurity Incident

In late February 2024, Change Healthcare (CHC), a third-party vendor that helps administer Group Health Program benefits, experienced a ransomware attack that disabled access to its IT systems, causing a system-wide outage. We have not been notified that any NTCA member data, networks or systems are at risk; however, several of NTCA's processes for administering benefits have been affected. As a result, participants and providers may notice delays in receiving payments, reimbursements or communications related to medical, dental and disability claims.

Please visit our Incident Response Resources page for the latest information about this third-party cyber event.

Plan for a Secure Retirement with NTCA's Retirement Readiness Seminars

Proper preparation is the foundation of being “ready” to retire. Whether your retirement is tomorrow or years from now, the NTCA Retirement Readiness Seminar shares the critical financial planning steps to help ensure you live comfortably in retirement. These online and live seminars include personalized retirement planning materials for attendees, so advanced registration is required.

NTCA Benefits Plan Options

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.

Machine-readable files containing detailed network price information for NTCA’s Group Health Program can be found here under filename "NTCA Group Health Program." 

HR Admin Resources     Participant Resources     GHP Surprise Billing Disclosure Notice

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. 

HR Admin Resources     Participant Resources     My Pension Estimator 

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.

HR Admin Resources     Participant Resources     Fidelity NetBenefits 

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

"The NTCA Savings Plan provides our staff with a convenient way to save for retirement. We are very fortunate as a small telco to be able to leverage our membership with NTCA and their partnership with Fidelity Investments, so we can offer a plan like this." 

Thomas Steinolfson, General Manager, Red River Rural Telephone Association, Abercrombie, N.D.