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A MET can be beneficial to both employers and their employees. Participating in a MET can lower costs associated with forming and managing a broad benefit plan that follows the Employee Retirement Income Security Act of 1974 (ERISA). Employers can use multiple employer plans to work together and combine their resources, which can save these employers money. Employers also get the benefit of aggregating risk across the total trust to provide greater predictability and rate stabilization.

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Employer Groups

Unions and Associations

PEOs

Employer Groups

METs were authorized by Congress in 1984 Under Section 419A of the Internal Revenue Code. METs require a group of 10 or more employers with no single employer contributing more than 10% of total funding. All participants share equally in benefits forfeited by other members of the group.

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Unions and Associations

A multiemployer trust is an employee benefit plan maintained under one or more collective bargaining agreements to which more than one employer contributes. The plan sponsor is a joint board of trustees consisting of equal representation from labor and management; these trustees are responsible for the overall operation and administration of the plan.

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PEOs

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Easy-to-use products

We believe that using your insurance shouldn’t be hard. Explore our collection of insurance products to find the information you need to understand your coverage.

Gap+

GAP+ by AME Trust is an innovative new solution to the challenge of costly healthcare. GAP+ offers you even more protection than a traditional GAP policy and gives you a reason to take charge of your health.

Gap

GAP insurance works with your insurance to help cover the portions of your medical expenses that you’d normally be expected to pay for on your own. If you experience an injury or illness covered by your health insurance, AME Trust will pay up to your maximum benefit.

Hip+

HIP+ by AME Trust a hospital indemnity protection product, that provides fixed payments for ambulance transportation, hospital admission, and every day of your hospital stay—regardless of cost. It also provides additional benefits designed to reward you for taking an active role in your health.

Hip

When you have an accident or illness that sends you to the hospital, your bills can add up. At AME Trust, we believe you should be able to get the medical treatment you need without worrying about how you’ll pay for it. That’s why we created HIP, a hospital indemnity protection product.

Accident

Accidents happen. When they happen to you, make sure that you’re protected from the financial strain with Accident coverage by AME Trust. Our Accident Insurance will pay you a fixed amount of money if you suffer and require treatment for a wide variety of unforeseen injuries. You will get this payout regardless of your medical expenses.

Critical Illness

Severe illness can be devastating to your health and finances. Luckily, a Critical Illness insurance product through AME Trust can provide you and your family with the financial assistance you need to cover your deductibles, co-pays and other medical expenses related to your illness.

Short-Term Disability

Short-Term Disability insurance by AME Trust will pay you a portion of your income if a sickness or injury leaves you disabled for an extended period. That way you can meet your financial obligations while you recover.