Group Health Insurance Experts

Trade Association

Kentucky Construction Industry Trust (KCIT) Employee Benefit Programs

Licensed in Kentucky and Indiana

The Kentucky Construction Industry Trust was established over 30 years ago to provide comprehensive employee benefits to members of participating trade associations. Due to the mass purchasing power of this fully insured trust, even small businesses are able to take advantage of a high level of quality benefits at costs normally available only to large employers. Currently, there are over 800 employers participating in the trust with approximately 10,000 construction employees and their families covered for benefits.  


Choose from a variety of deductibles, co-payments and out-of-pocket limits.  Plans are fully insured through Anthem at special rates for association members.

Choose from a variety of deductibles, co-payments and out-of-pocket limits.

HSA and HRA Plans (Health Savings Accounts/Health Reimbursement Accounts

Excellent national network of physicians and hospitals


Group term life is an inexpensive way for an employer to provide basic life coverage during an employee's working years.  Volumes of insurance can be scheduled based on a percentage of compensation, job title, or a flat amount for all employees.

Long term disability coverage replaces a reasonable portion of an employee's monthly income that may be lost as a result of a prolonged illness or injury.  In many cases, it will provide a benefit throughout an employee's normal working years.

Benefits up to a monthly maximum of $8,000

"Own Occupation" definition available during the the first two years of disability.

Benefits available for partial disability


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Bundled wellness program