Member benefits exclusive to the nation's organized emergency responders.
Whether you are a pre-65 retired responder or a union leader exploring ERISA coverage for active duty members, BTLMT provides a purpose-built path for America's organized and represented emergency responders.
Whole-person benefits, built for the responder community.
BTLMT members gain access to programs that support mental, financial, and everyday well-being for responders and their families, as well as quality ERISA health plans.
Mental Health Coaching
Confidential, responder-aware coaching to support resilience, stress, and recovery.
Financial Wellness Programming
Practical guidance on budgeting, retirement readiness, and long-term financial health.
Virtual Pet Care
On-demand virtual veterinary care for the family members with four legs.
WellWorks Employee Wellness Programming
Comprehensive wellness programming designed to keep active personnel mission-ready.
Pre-Medicare ERISA Health Plan Coverage
For retired emergency responders who have not yet reached Medicare eligibility, BTLMT provides an affordable, comprehensive pre-65 ERISA health plan option.
- For responders who retired before age 65
- Bridges the gap to Medicare eligibility
- Available to retirees of endorsing organizations
- Direct inquiry — no sales calls
Coverage Through Your Local
Active duty responders gain access to BTLMT ERISA health plan coverage when their local union or association endorses the trust and elects to offer BTLMT plans to its members.
- Access begins with a local endorsement
- Plan pathways designed with union leadership
- For local and national leadership inquiries
- Confidential consultation
Our Approach
BTLMT does not publish detailed plan documents on this public website. Plan design, eligibility, and enrollment specifics are shared directly with endorsing organizations and eligible retirees during the inquiry and consultation process. This keeps our conversations focused, confidential, and appropriate to each organization's demographics and needs.