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Learn more details about your NTCA benefits through a suite of administrative resources and tools.

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Outstanding Benefits Solutions to Meet Your Needs

NTCA provides a comprehensive array of health, retirement and other benefit plans that can be tailored to meet the specific needs of each member.

Group Health Program

NTCA provides members with affordable medical, dental, life, disability and accident coverage options. Through our Group Health Program (GHP), plans are available for employees, retirees and board directors, and offered with flexibility and competitive rates that you deserve. Governed by a member-run trust committee, GHP includes the following options and services:

  • Ten medical plans including choices of advantage, PPO and high-deductible health plans
    • National PPO networks through UnitedHealthcare 
  • GHP Wellness Connections: an incentive-based health management and wellness plan
  • Two dental plans and orthodontic benefits
  • Two prescription drug plans, with retail and mail order pharmacy services
  • Basic life, supplemental life, spouse and dependent life coverage options
  • Short-term and long-term disability plans
  • 24-hour and business travel accident coverage options

Want to learn more about GHP? 


Take It From Our Members

Our company has provided NTCA GHP coverage for more than three decades. Through the years, our employees and their families have enjoyed high-quality and comprehensive health care and wellness benefits.

Russell Kacer, President
Ganado Telephone Company Inc. dba YK Communications
Ganado, Texas

Retirement & Security Program

The Retirement & Security (R&S) Program,  a defined benefit retirement (pension) plan, is exclusively offered to NTCA members. The program is member-run by a trust committee, and is designed to provide guaranteed benefits at a participant’s retirement. Some of the many benefits of this program are:

  • Administrative flexibility for members to determine the defined benefit level, early retirement benefits and participant contribution level
  • Significant tax and accounting advantages
  • Expert regulatory and compliance support
  • Educational and consulting resources

Want more information about the R&S Program?


Take It From Our Members

Our company has sponsored the NTCA R&S Program for almost four decades, and we consider the plan a significant component in our employee benefits package. Our NTCA benefits are a primary reason we attract and retain great employees. At Mountain Rural Telephone, we see the R&S Program as providing the foundation for an employee's future financial security.

Shayne Ison, General Manager
Mountain Rural Telephone Coop. Corp.
West Liberty, Kentucky

Savings Plan

NTCA's defined contribution retirement plan partners with one of the world's largest providers of financial services, Fidelity Investments®. Through a member-run trust committee,  NTCA members have a voice to ensure the Savings Plan meets your workplace benefit needs today and in the future. This cost-effective plan offers:

  • Flexibility of contributions – employer, employee or both
  • Choice of 401(k), Roth 401(k) or after-tax employee contributions
  • Access to a self-directed brokerage window
  • Expansive investment fund line-up, with 30 funds including 13 target date funds
  • Expert regulatory and compliance support
  • Educational resources and support services

Are you ready to get the Savings Plan started at your company?


Take It From Our Members

Minburn Telephone Co. has seen cost-savings and increased efficiencies since enrolling in the NTCA Savings Plan. An important benefit to our employees is increased long-term retirement savings as a result of lower-cost investment funds available in the plan.

Debra Lucht, General Manager/CEO
Minburn Telephone Co.
Minburn, Iowa

Additional Plans

NTCA offers other plans and services including:

 Flexible Spending Plan - Section 125
Through the NTCA Flex Plan, member employees can use pretax salary dollars to pay their share of health and disability premiums, unreimbursed health care expenses and certain costs of dependent care. 

Deferred Compensation Plans
Members can help your key leadership and management personnel accumulate tax-deferred income and bridge gaps in retirement savings using the NTCA deferred compensation plans.

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 Services and Prefunding Trusts
NTCA provides comprehensive valuation and consulting services to help members with postretirement benefits reporting on your audited financial statements.

Insurance and risk management plans
Telcom Insurance Group provides NTCA members with property and casualty insurance and executive liability programs.

Member Relations - We're Here to Help

Our commitment to provide our members with exceptional service is a top priority for NTCA. From comprehensive insurance and benefits plans, to HR services, board training and education programs, our dedicated Member Relations staff is here to assist. At NTCA, we believe in “Every Member, Every Time” service. Want to know more about NTCA benefits?

Contact your local Member Relations Team Member

News & Announcements

  • NTCA’s Group Health Program has increased telehealth benefits beginning January 1, 2019! Teladoc, GHP’s newest service partner, provides 24/7/365 phone, video or mobile app visits to U.S. board-certified doctors. GHP medical plan participants call (800) 835-2362 or go to for lower-cost options for non-urgent healthcare needs.
  • Pensions & Investments recently published a survey report of the largest 1,000 U.S. retirement plans. NTCA’s retirement plans have made the list again, ranking at 432. These rankings are based on total assets in both the R&S Program and Savings Plan.

Not a Member Yet?

As the voice of rural broadband providers, NTCA has a proven track record of advocacy, keeping members informed about current issues and trends, providing training and education and delivering superb benefit plans and services.