ERISA health plan coverage built by responders, for responders.
Behind The Lines Medical Trust (BTLMT) delivers high-quality, affordable ERISA health plans exclusively to America's emergency responder community — pre-65 retirees and active duty personnel represented by organized labor.
Coverage Built for Emergency Response
The Trust is exclusively designed for the unique risks and work patterns of emergency response professionals — and the people who depend on them.
Municipal, county, state, and federal officers — active and retired.
Career firefighters, fire paramedics, and fire officers.
Correctional officers and detention deputies at local, state, and federal facilities.
EMTs, paramedics, and clinical staff embedded with response teams.
A trust built by responders, governed for responders.
BTLMT is a Taft-Hartley multiemployer welfare trust established under Section 302(c)(5) of the Labor Management Relations Act. BTLMT provides group ERISA health plans for all emergency responders — fire, police, corrections, detention, and medical. Our board includes an organized representative from each profession and state in which we offer plans, bringing together the perspective and expertise from EMS, corrections, detention, fire, and police to offer guidance and governance to our trust and the members we serve.
BTLMT exclusively serves organized and represented at-work emergency responders, retired and organized emergency responders, and their dependents. Our leadership is comprised only of emergency responders, attorneys who serve emergency responders, and highly specialized insurance administrators and underwriters who understand the unique needs of our people.