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 Health Benefits Trust 

Health Benefits Trust of North Carolina (MIT of NC)

The Health Benefits Trust provides medical, dental, vision, short term disability, long term disability and life insurance to municipal employees and their dependants.

The League's health trust was created to allow municipalities not large enough to self-insure individually like larger cities do the ability to collectively enjoy the benefits of being self-insured while avoiding the volatility that occurs if not done collectively.

For more information, call 800-228-0986 and ask for Risk Management Field Services.


Our Value Proposition

  • We offer our participating members the Power that comes with unity
  • The ability to pool risks and resources with other members, so that health costs are stable and predictable – yielding competitive rates year in and year out
  • Personal, local customer service, to respond quickly so that employees can focus on their work
  • Flexibility to create the type of benefits program that meets the unique needs of each member
  • Access to health information and tools, to create the only true solution to rising medical costs – improving employee health and understanding of health care

We do this with but one motivation … to help keep our cities, towns, villages and associate members strong, vibrant and healthy. We are you ... our membership.


In the early 1980s, member cities and towns looked to the North Carolina League of Municipalities (NCLM) for assistance in finding an answer to the rising costs of health insurance for municipal employees. The NCLM had already instituted a self-pooled program for workers' compensation insurance. But health care became a large problem for municipalites, especially the smaller towns.

The Municipal Insurance Trust of North Carolina was established in 1983 by the North Carolina League of Municipalities as an alternative method for local governments to offer health, dental, life and disability benefits to municipal employees. Sponsored by the NCLM, MIT is administered through the NCLM Risk Management Services (RMS) department. MIT is comprised solely of local governmental entities and is not available to the general public or private businesses.

Local governmental entities include cities, towns, villages, housing authorities, water and sewer districts, councils of government, transit authorities, ABC boards, regional libraries of North Carolina and other eligible municipal organizations.


Benefit Plans

Medical - Complete flexibility in plan design, with each including a comprehensive pharmacy benefit. For a look at our most popular plan design click here.
Dental - Three different plan options with or without orthodontics coverage
Vision - Two plan options
Life - Group employee life, dependent coverage and supplemental employee coverage are offered
Disability - Short term and long term disability available


The NCLM Board of Directors appoints the 14 members of the RMS Board of Trustees.  The Trustees establish policy, set rates and approve special services.  To assist them, the Board retains professional consultants in the fields of investment management, actuarial study, and financial audit. Third party administrators under contract with the Health Benefits Trust provide underwriting, claims and customer services. In addition, the Trust is reinsured for catastrophic claims.

For more information or to become a member

Only NCLM members are eligible to participate in the health insurance pool. To apply for membership in the League or to participate in the health insurance pool, call 800-228-0986 and ask for Field Services, write Field Services, 308 W. Jones St., Raleigh, NC 27603 or e-mail Bob Haynes.


EAP Grant Program 

The League RMS Wellness Program provides funding to support participants in the Health Benefits insurance programs in the development or enhancement of worksite and employee assistance programs.

Wellness Initiative 

The Wellness Initiative is a multifaceted program designed to improve the quality of life of employees by evaluating present health status and making realistic suggestions and recommendations for future improvement with the goal of improving the health of employees, reduced medical costs, reduced workers comp claims and additional employee benefits.