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Kentucky Construction Industry Trust (KCIT)

Trade Associations

Employee Benefit Programs

Employee Benefit Packages with low rates and advantages typically only available to larger employers.

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.

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Group Disability

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.

Group Term Life

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.

  • Benefits up to a monthly maximum of $8,000
  • “Own Occupation” definition available during the first two years of disability.
  • Benefits available for partial disability
Group Health Plans

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