Insurance/Benefits

The Associated Employers Group Benefit Plan & Trust is a partially self-funded multiple employer welfare arrangement (MEWA) operating under Federal Department of Labor regulations governed by the Employee Retirement Income Security Act (ERISA).  During the 1995 Montana Legislative Session, the AE Trust banded with other association sponsored MEWAs, sponsoring and passing Senate Bill 376 creating a registration and regulatory process through Montana’s Office of the Insurance Commissioner verifying the financial solvency of these arrangements.

The Associated Employers Group Benefit Plan & Trust is a partially self-funded group health trust administered by a Trust Committee made up of business owners and plan participants who voluntarily and without compensation contribute their time and talents to directing the operation of the Trust. As a Plan sponsored by AE, the Trust is operated for the benefit of participating members.  There are no “owners” or “stockholders” expecting a return on investment or profit. All savings from administration and provider contracts are returned to participating members in the form of rate stabilization and maintenance of required reserves.

Providing employees with healthcare coverage is essential in today’s market and needed to recruit and retain quality staff.  Associated Employers Group Benefit Plan & Trust can provide these benefits with the bonus of partial group pooling.  We offer a variety of options in group medical, dental, vision, life, and disability plans.  Member employers can choose the options that best meet their company’s needs.

Trust Member Benefit Meetings

Associated Employers representatives are available to come to your work site to conduct employee meetings for your company.  During these meetings, we will review your current offerings and answers questions regarding any of the employee benefit products provided by the Associated Employers Group Benefit Plan & Trust and the insured products provided through AE’s subsidiary, Associated Management Services.

These educational meetings are structured to help you and your employees obtain the best results possible from the employee benefits your company provides.  As consumers, we all have the responsibility of using health and other benefits wisely and employee benefit meetings are one venue that can help to accomplish this goal.