Total Trust Perks
Effective Date: January 1, 2026MIT Total Trust Perks (Embedded Benefits)
In partnership with Sun Life, MIT provides embedded benefits, known as Total Trust Perks for all primary MIT members enrolled in one of the 10 MIT medical plans. Starting in January 2026, primary MIT members (employees) are provided with a $15,000 basic life insurance policy, an accident policy, (includes accidental death and dismemberment coverage), as well as a critical illness policy. The best part? These benefits are provided at no additional cost. Members can rest assured knowing they have a financial “safety net” in place when faced with unexpected health related events.
- Basic Life – All active, employed MIT members are covered by a $15,000 group term life insurance policy. Benefits are reduced to 50% at age 70. MIT members may purchase additional life insurance Voluntary Life, which includes accidental death & dismemberment coverage for themselves, their spouses and their children at reduced group rates.
- Accident Insurance Policy (Core) – Included as an embedded benefit, all active, employed MIT members are covered by a Core Accident Insurance policy, which includes a $25 wellness benefit. MIT members may purchase additional coverage Accident Insurance-BuyUp for themselves or their dependents, which includes a $100 wellness benefit.*
- Critical Illness Insurance Policy (Core)– Active, employed MIT members are also covered by a $5000 Core Critical Illness policy, which includes an additional $25 wellness benefit as well as options to purchase additional BuyUp coverage up to $20,000 for themselves or their dependents. If the MIT member elects to purchase the BuyUp policy, the wellness benefit increases to $100 per covered participant.
- Wellness Benefit Claim Steps – There are 3 easy avenues to receive the wellness benefit: 1) Create a Sun Life account, 2) Email/Fax/Regular mail, 3) Request a claim form be sent via DocuSign.
*The $25 wellness benefit included with the accident insurance policy and the critical illness policy is replaced by the $100 wellness benefit ($100 for each policy and per each covered participant), if the member chooses the BuyUp option(s).
Other Benefits of MIT Membership
MIT Members enjoy an array of comprehensive benefits that extend beyond traditional medical coverage, offering support for everyday wellness, financial security and lifestyle needs.
- Care Management/Case Management – Care/Case Management Benefits
- Mental Health Support – Self Care by AbleTo
- End of Life Planning Support – Wellthy by Sun Life
- Global Emergency Assistance Services – Assist America by Sun Life
MUSC Virtual Care
Life is hectic. Staying healthy does not have to be. Members’ Insurance Trust has partnered with MUSC Health to offer an easy-to-use on-line virtual care service, MUSC Virtual Care. MIT Members can obtain medical care from licensed MUSC providers for only a $15 fee (MIT Member Exclusive). MUSC Virtual Care provides access to quality, convenient healthcare services when and where services are needed. Create an account MUSC Health Virtual Care by following the prompts.
