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Why Join?

NTCA has the experience to represent small and rural telecommunications carriers. We have the track record in advocacy, in keeping our members informed, and in providing them with insurance options and a benefits program second to none.

For more information, contact the membership department at

Why Join?

Why Join?


NTCA has the experience to represent small and rural telecommunications carriers. We have the track record in advocacy, in keeping our members informed, and in providing them with a premier insurance options and benefits program.

For more information, contact NTCA's membership department at or 703-351-2118.

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View the Benefits of Joining NTCA



Learn more about:

NTCA & Benefits Program Annual Reports

NTCA–The Rural Broadband Association Annual Report   [3.6MB Adobe Acrobat PDF]






NTCA-sponsored Benefits Program Annual report   [5.48MB Adobe Acrobat PDF]





Retirement & Security Program


Since 1959, NTCA–The Rural Broadband Association has sponsored a defined benefit retirement plan, the Retirement & Security (R&S) Program. What began with seven member telcos and 100 participants has grown into a program with about 17,000 participants (including more than 1,900 pensioners) and almost $1.8 billion dollars in assets. Why have 359 NTCA members come to depend on the NTCA R&S Program for their employee’s future retirement security?
Member Run

Day-to-day administration of the program is performed by an NTCA subsidiary, Services Management Corporation, with staff in its Arlington, Va., and Asheville, N.C. offices.  SMC’s Board of Directors are representatives of NTCA members. Also, the program’s trust committee is made up of member representatives, selected by the NTCA Board of Directors. The trust committee sets policy and oversees program direction. The R&S Program is sponsored exclusively for NTCA members and governed by NTCA members.

Earned Benefits are 100% Vested Immediately

All retirement benefits earned by employees are immediately vested—this means that as each dollar of retirement benefit is earned, it belongs to the employee. No one can take these benefits away. If an employee leaves employment, the benefit earned belongs to that person. 

Flexibility of Benefit Choice

There is significant flexibility when an employee becomes entitled to a benefit distribution. This includes payments as an immediate monthly pension, a monthly pension in the future or in a single payment.

Safety Guaranteed

The Pension Benefit Guaranteed Corporation (PBGC), a quasi-governmental agency, insures each individual's earned retirement benefit. Currently, for employees retiring at age 65 and electing payment as a monthly income for their life, this guarantee amount is over $60,000 per year.

 Flexible and Generous Benefit Features 

  • Employers choose the level of retirement benefit they want to fund for their employees
  • In some cases, employers can purchase benefits for an employee's prior service, with a flexible funding plan
  • Retirement benefits are based on a 'high-five' compensation average; as an employee's salary increases, his earned benefits are reflective of those compensation increases
  • Early retirement can occur at 55 in the R&S Program, with no benefit reduction if the participant is eligible under an early retirement feature called "Rule of 85"
  • Generous pre-retirement death benefits for the beneficiary of a deceased employee 
  • Flexible payment options including monthly pensions, single sum distributions or combinations of both 
  • "Early retirement window" feature is available to participating members 
  • Employees can work beyond 65 and continue to earn retirement benefits
  • Retired employees can receive both Social Security benefits and R&S Program benefits, with no offset in the R&S Program benefit
  • Depending on the benefit payment option selected, a retiree's surviving spouse can receive up to 100% of the retiree's pension benefit 



For More Information

If you are interested in receiving more information on the R&S Program, contact the NTCA member relations team.


Savings Plan



Retirement plans can be the foundation of a secure future for your company and your employees.  NTCA–The Rural Broadband Association knows that and sponsors a defined contribution retirement plan, the Savings Plan, for our members.

Many smaller companies acting alone can offer only limited benefits, but the NTCA Savings Plan pools the defined contribution assets of its participating members and offers a state-of-the-art plan with features and benefits usually found in large single-employer retirement plans.  



It’s a great choice for your company.

By pooling the defined contribution assets of NTCA members, the NTCA Savings Plan enables you to offer a terrific retirement program while your organization enjoys the following benefits:

  • Ease of setup
  • Wide range of investment choices
  • No cost to your company*
  • Ease of administration
  • The experience and resources of Fidelity Investments investment professionals

        *Employers can choose to pay all or a portion of the employees’ quarterly account fee.


It’s also a smart choice for your employees.

You can join with other NTCA members in providing the following benefits to your employees:

  • Convenient payroll deduction
  • Tax-deferred savings
  • Educational materials to help your employees plan for their retirement
  • A variety of investment options, including a self-directed brokerage window
  • Convenient account access via the Internet and phone


Group Health Program


As health care costs continue to rise and you may face cost pressures as an employer, NTCA–The Rural Broadband Association is pleased to sponsor a high-quality and affordable health program for our members. 

Consider the advantages of being part of the NTCA Group Health Program (GHP). The program has more than a 35-year track record of excellence in meeting the benefit plan objectives of NTCA members and the health care coverage needs of participants.

NTCA GHP differs from many plans administered by insurance companies; these plans often focus only on the bottom line of profits.  NTCA GHP is run by members for members. GHP is non-profit, existing solely for the benefit of plan participants.  NTCA GHP offers you the coverages, the flexibility, and the personalized, state-of-the art service that your organization wants and deserves. 


NTCA is committed to providing affordable health care coverage for our members – plans that you can be proud to offer your employees, directors and retirees. GHP offers many coverage choices and much flexibility within each benefit plan to fit your organization’s needs.

Choosing GHP benefits that are right for your organization allows you to balance what’s important to you – cost to your organization, cost of coverage, level of benefits, choice and flexibility – with what’s important to your employees – the availability of a high quality benefit plan.

Members can offer a single health plan or a choice of plans – offer some coverages but not others. NTCA GHP provides flexibility of choice so you can customize coverages to best meet your organization's and plan participant’s needs.

Coverage choices include: 

  • Medical (including prescription drug, hearing and vision)
  • Dental
  • Group Life and Supplemental Life Insurance
  • Dependent Life Insurance
  • Accidental Death and Dismemberment
  • Short-Term Disability
  • Long-Term Disability
  • 24-Hour and Hi-Limit Business Travel Accident


GHP provides members with a choice of up to five high-quality medical plans from nine plans available: 

  • three indemnity plans (known as the Advantage plans) 
  • three Preferred Provider Organization (PPO) plans
  • three high-deductible plans (HDHPs)

Prescription drug, including a Medicare prescription drug plan, and vision coverage options are also available to NTCA members.

GHP offers two comprehensive dental plans, providing a choice of coinsurance and orthodontic benefits.

Group Life, Dependent Life, and Accidental Death and Dismemberment
Group life coverage is available at reasonable rates for employees, dependents, directors and retained attorneys.

  • Multiple-level term life insurance for employees up to a maximum of $700,000
  • Flexibility of coverage options, including fixed amounts or multiples of salary
  • Supplement life insurance for employees and their spouses

Accidental death and dismemberment equal to or less than life insurance amount is also available.

Dependent life insurance is available for spouses and dependent children of employees.

Short-Term Disability
GHP provides short-term disability coverage, providing benefits to employees for either 13- or 26-weeks with several benefit payment level options.

Long-Term Disability
Two long-term disability coverage options are available, providing benefits after either a 13- or 26-week waiting period and choice of 50% or 70% income replacement benefits.

Automatic waiver of contributions can also be elected by a member. This unique feature in the NTCA GHP provides for the GHP trust to pay employer and mandatory employee contributions for various medical and benefit plans for the full period the employee is eligible to receive long-term disability. A 29 month medical only waiver feature is available.

Accident and Travel Coverage
Accident and business travel coverage is available to NTCA members at reasonable costs. 24-hour accident coverage and hi-limit business travel coverage is available for both employees and directors.


For More Information

If you are interested in receiving detailed GHP information or if you would like to offer GHP benefits to your employees, contact the NTCA member relations team or e-mail