Texas Construction Association
Member Benefit Programs
Electricity
TCA’s Construction Power program has allied with Association Power to provide
volume electricity purchasing power for TCA members. In areas of the state
where there is electricity competition, Construction Power uses aggregation thru
AP to get the best prices in the marker for members. Regardless of the provider
of the power, the current local company still provides service to the business in
case of an outage due to things like a down power line or blown transformer.
TCA Members in areas of Texas where competitive pricing is available should get
a quotation from Construction Power.
Insurance - Employee Benefits
Through American Income Life’s Worksite Advantage program, employers and
employees get favorable tax treatment while obtaining affordable benefits such as:
Group Term Life Insurance
Hospital Accident Insurance
Hospital Indemnity Insurance
Critical Illness Insurance
Cancer Insurance
Accidental Death & Dismemberment Insurance
Short Term Disability Insurance
Dental Insurance
Insurance - Workers’ Compensation with TexasMutual
The Texas Construction Association/TexasMutual Insurance Company Workers’
Compensation program offers very attractive rates for TCA members. The
program offers a high premium discount and members are also eligible for a
program dividend in addition to any regular dividend of Texas Mutual. (By law,
dividends can not be guaranteed and are subject to declaration by TexasMutual.)
This program has a strong focus on loss prevention so only companies that are
serious about safety should apply. Any insurance agent can write the coverage
directly through TexasMutual and commissions are protected.
Insurance - Workers’ Compensation with Texas Construction Trust
The Texas Construction TRUST is a self-insured Workers’ Compensation
program pursuant to Texas Labor Code 407A. The trustees are insured
contractors of the trust and set the policies of the trust. Hallmarks are heightened
safety, loss control and claims management in accordance with the trustee’s
directives. Self-insured trusts typically have more stable premiums and a
handsome dividend payout. (By law, dividends can not be guaranteed and are
subject to declaration by the board of trustees.) The Texas Construction Trust
uses independent insurance agents to write the coverage.
Payroll Cash Card
TCA Members are discovering how easy it is to pay employees electronically.
The employees get their money quicker and cheaper and can avoid check cashing
and wire transfer fees. Employers avoid the hassle of signing checks and
delivering them to job sites. Plus employers use the cash card for per diem or
company expenses locally or at out of town locations. The card uses the
MasterCard system so transactions are handled quickly and safely. Productivity
goes up and payroll costs go down!
Safety
TCA/Worksafe is a safety program unlike any other association based safety
product. Combining a customized program with computer implementation and
monitoring, this program helps companies reduce accidents. Accident reduction
translates into insurance cost savings for companies. TCA Members receive a
20% discount on TCA/Worksafe programs and services. Save up front and save
on insurance too with the premier safety program in Texas.
