Life Insurance
MTA provides basic life insurance, Accidental Death & Dismemberment insurance on the employee at no cost to employees.

Medical
We recognize that providing first rate health care coverage is important for you and your family. We offer employees a health plan in the form of PPOs (Preferred Provider Organization), which allows access to many licensed health care providers. In addition to the medical and surgical benefits, eligible employees have coverage for prescription drugs and mental health/chemical dependency (substance abuse) treatment. Medical coverage is at no cost to employee for employee coverage only.

Dental
Dental coverage is a significant part of the employee's total compensation and helps the employee pay for necessary dental care, including expenses for routine oral examinations, cleaning, fluoride treatments and X-rays, as well as many basic and major restorative services. Employees pay the full cost of this plan.

Supplemental Insurance
The following five plans run through Section 125 Pre-taxing that will save you on out of pocket money in times of hospitalization, dental, accident or illness. The plan pays "tax-free" dollars directly to the employee, not the doctor or hospital. Whatever plan you choose that fits your needs, it's fully portable. If you change jobs or retire, you can still keep the same benefits and premium rate you had as an employee. The plan is owned by the employee and paid for by the employee. Entire families may be covered, not just the employee.

Personal Accident Expense Plus Accident/Disability Insurance This is a direct cash benefit for disability income, emergency treatment, initial hospitalization or confinement, specific-sum injuries, accidental-death, wellness, plus much more.
Voluntary Indemnity Plan
This is a direct cash benefit for hospital confinement, short stay, rehabilitation unit, surgical, heart attack, stroke, coma, paralysis, ambulance and wellness.
Personal Cancer Protector Plan - A cancer expense insurance policy
This is a direct cash benefit for first-occurrence, hospital confinement, radiation and chemotherapy, cancer screening wellness, surgical/anesthesia, NCI evaluation and consultation, home health care, plus much more.

Life Assurance
There is a choice of policy amounts, fully portable, optional spouse and child riders. These options are included for primary insured optional accidental death benefit rider, waiver of premium benefit and accelerated death benefit.