Health Care and Retirement

​The MCA Health Care and Retirement Trusts offer health care and retirement plans for participating contractor members of the MCA. These employer-sponsored plans are qualified plans as defined by the Internal Revenue Service, making benefit contributions by employers exempt from payroll taxes. The plans are governed by the Employee Retirement Income Security Act of 1974 (ERISA), and are accepted as independent, third-party trusts qualified to administer Davis-Bacon prevailing fringe contributions by the state of Montana.

The MCA Health Care Trust offers five health care plan options: four comprehensive medical options and one high deductible option. All Plan options exceed the Affordable Care Act standards for affordability and minimum value.​

See Plans And what option is Best For You

​The MCA Retirement Trust (MCART) offers a money purchase plan and a 401(k) plan. MCART has an average annual 8.6 percent rate of return since its inception in 1988.

The MCA Trusts cover both hourly and salaried employees. Both plans are portable; when employees move from one trust-participating employer to another, they maintain their benefit accounts (health care hour bank and retirement balances).

Note: Some MCA member companies may not qualify for participation.

​To learn more about the plans and company participation requirements, contact us:

Transwestern 1 Building
P.O. Box 30177
Billings, MT 59107
Phone: (406) 256-9910
Fax: (406) 255-7123