NCBA

What NCBA does

National Corporate Benefits Administrators, Inc. (NCBA) is a privately held New York State corporation founded in 1998, headquartered in Clifton Park, NY, that operates as an insurance benefits administrator specializing in Group and Voluntary benefits. The company researches and aggregates insurance carriers and providers on behalf of clients to construct benefit programs for employers, associations, and their employees or members, with particular depth in retiree-focused products such as Medicare supplements, long-term care insurance, and the trademarked FamilyAssistNet™ assistance and discount program. Its core product set spans retiree health plans, long-term care insurance, life insurance (term, whole, universal), fixed annuities, and home health care insurance, complemented by add-on modules including dental, vision, hearing savings plans, disability insurance, Section 125 FLEX plans, prescription savings cards, and a grandparent/grandchild life product.

NCBA distributes these offerings through direct relationships with association and employer sponsors — notably NYSRTA (28,000 retired teacher members), RPEA (75,000+ retired public employees), the Hudson-Mohawk Association of Colleges & Universities (20 member institutions), and OMCE — using a sales-led go-to-market that combines on-site educational seminars, individual enrollment meetings, payroll-deduction payment integration, and a phone-based help desk. Revenue is generated from premiums and administrative fees on group and voluntary benefit programs (subscription/recurring in nature), with per-member pricing examples such as a $39/month NYSRTA Health Plan premium (2007) and a $99/year FamilyAssistNet charter membership. There is no evidence of external investors, public listing, subsidiary structure, or material geographic expansion beyond New York State; the website footprint remains dated to the 1998-2007 period, indicating limited recent product or marketing investment.

Name

NCBA

Legal name

National Corporate Benefits Administrators, Inc.

Website

https://ncbainc.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

National Corporate Benefits Administrators, Inc. (NCBA) is a privately held, Clifton Park, NY-based insurance benefits administrator that designs and distributes group and voluntary benefit programs — including retiree health, long-term care, life, annuities, and the trademarked FamilyAssistNet™ — to association and employer sponsors in New York State.

Ownership category

akta.pro rank

Headquarters

HQ city

Clifton Park

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Benefits Administration: NCBA researches insurance carriers and providers on behalf of clients to construct reasonably priced, effective benefit plans that meet the needs of employers and associations along with their employees or members. Revenue generated through premiums and administrative fees from group and voluntary benefit programs.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

NCBA is an insurance benefits administrator that researches insurance carriers and providers on behalf of clients to construct reasonably priced, effective benefit plans for employers, associations, and their employees or members. The company administers group and voluntary benefit programs including retiree health plans, long-term care insurance, life insurance, annuities, dental, vision, hearing, and disability coverage, plus the trademarked FamilyAssistNet long-term care assistance program.

Product overview

NCBA (National Corporate Benefits Administrators, Inc.) is a New York-based insurance benefits administrator offering a comprehensive suite of voluntary employee benefit programs. The core offerings include retiree health plans, long-term care insurance, life insurance, annuities, and FamilyAssistNet for long-term care assistance. These products are offered through employer and association sponsorship programs including NYSRTA (New York State Retired Teachers Insurance Trust), RPEA (Retired Public Employees Association), and the Hudson-Mohawk Association of Colleges & Universities. The portfolio also includes add-on modules such as dental, vision, hearing, home health care, disability insurance, Medicare supplements, Section 125 FLEX plans, and prescription savings cards, all designed to provide comprehensive coverage for employees and retirees from early career through retirement.

Differentiator

Problem solved

Functional benefit

Products and services

• Retiree Health Plans Health insurance plans for retirees eligible for Medicare, available to individuals or through group sponsorship by employers, unions, or associations. Premium during 2007 was $39/month including prescription coverage.
• FamilyAssistNet Trademarked program providing access to long-term care information, assistance, and discounts on services performed by its network of pre-screened providers for individuals who cannot purchase long-term care insurance due to age, illness, or cost. Charter membership was $99 annually.
• Long-Term Care Insurance Insurance products covering care at home, nursing homes, assisted living, or adult day-care centers, offered as individual policies, affinity group plans, and true group programs from multiple insurance carriers, including NY Partnership LTC for total asset protection.
• Life Insurance Term insurance (group and individual) for early career needs and permanent insurance products including whole life and universal life that provide death benefits, savings accumulation, loan funds, and retirement income options.
• Annuities Fixed annuities including single premium deferred annuities (SPDA) and flexible premium deferred annuities (FPDA) providing tax advantages and higher interest rates than savings accounts.
• Home Health Care Insurance Insurance plan that helps individuals remain in their own homes when long-term care is needed, covering nurses, aides, housekeepers, nutritionists, and therapists.
• Dental Plans Dental insurance providing reimbursements for preventative and restorative services, with network dentists covering entire service charges.
• Vision Plans Savings plans on eyeglasses, lenses, frames, and eye examinations honored at local opticians and major chains including Pearle Vision, Wal-Mart, and Sears.
• Hearing Plans Savings program providing discounts on hearing aids, hearing aid supplies, and repairs through mail order, covering all family members for a single $25 annual family fee.
• Long-Term Disability Insurance Disability coverage including employer-paid group plans and voluntary plans wrapping around group plans, covering short-term and long-term disability with options for Workers Compensation and NYS Statutory Disability.
• Section 125 FLEX Plans Pre-tax benefit plans allowing employees to build customized benefit packages from a menu of options, including Section 105 (unreimbursed medical), Section 106 (health and accident premium), and Section 129 (dependent day care), with full administration by NCBA.
• Prescription Savings Cards Discount cards for generic and brand-name drugs at local pharmacies or via mail-order, available in family plans.
• Grandparent/Grandchild Insurance Universal life insurance-based plan allowing grandparents to provide lifetime protection and cash value growth for grandchildren with limited premium payment requirements.

Quantifiable outcome

• 10-15% discounts on nursing home, home care, assisted living, and durable medical equipment through FamilyAssistNet
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Five partnerships are on record, tiered core and minor.

• NYSRTA - New York State Retired Teachers Insurance TrustcoreChannel Partner/ Reseller/ DistributorNYSRTA sponsors many benefit programs for its 28,000 members that are implemented by NCBA, including health plans, dental, life insurance, long-term care, annuities, vision, and hearing plans.
• RPEA - Retired Public Employees AssociationcoreChannel Partner/ Reseller/ DistributorRPEA chose NCBA to provide selected benefits to its 75,000+ members including health insurance, dental, life insurance, long-term care, annuities, and hearing plans.
• Hudson-Mohawk Association of Colleges & UniversitiescoreChannel Partner/ Reseller/ DistributorThe Hudson-Mohawk Association of 20 colleges and universities has endorsed NCBA for many benefit programs, with member institutions including RPI, Union College, and Sages Colleges using NCBA benefit programs.
• OMCE - Organization of NYS Management/Confidential EmployeescoreChannel Partner/ Reseller/ DistributorOMCE offers voluntary benefits to its members implemented by NCBA, including long-term care, home health care, life insurance, disability insurance, annuities, and FamilyAssistNet.
• Insurance Carriers (Multiple)minorOthersNCBA offers products from several highly rated insurance companies including Utica National Life Insurance Company, ensuring best offerings through group plans for both employer and association marketplace.

Scale indicators7 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• Brown & Brown: Brown & Brown is a national insurance brokerage with a significant employee benefits practice. It competes for association and employer benefit programs with a similar multi-carrier brokerage and administration model.
• OneDigital: OneDigital is an employee benefits-focused insurance brokerage and consulting firm serving mid-market and association clients. It competes directly with NCBA for employer and association benefit endorsements with multi-carrier offerings and digital enrollment tools.
• NFP (an Aon company): NFP is a middle-market insurance broker and benefits consultant acquired by Aon, focused on property/casualty, employee benefits, and retirement. It directly overlaps with NCBA in group/voluntary benefits for associations and mid-sized employers.
• Higginbotham: Higginbotham is a privately held insurance brokerage with strong employee benefits capabilities for mid-market and association clients. It is comparable in business model to NCBA, with regional concentration and multi-carrier administration.
• Hub International: Hub International is a large North American insurance brokerage with significant employee benefits operations. It competes for association and employer group benefits with multi-carrier administration capabilities analogous to NCBA's.
• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm with a large US employee benefits and association practice. It directly competes with NCBA for mid-market and association benefit endorsements, with greater scale and technology resources.
• USI Insurance Services: USI is a middle-market insurance broker and benefits administrator with deep association and affinity group partnerships. It offers the same multi-product group/voluntary benefits model NCBA employs, scaled nationally.

Broad incumbents

• Marsh McLennan: Marsh McLennan is a global insurance brokerage and consulting powerhouse with deep US benefits capabilities via Mercer and Marsh. It competes broadly in the same employer/association benefits space NCBA addresses, with far greater scale.
• Willis Towers Watson (WTW): WTW is a global advisory firm with significant employee benefits consulting and brokerage operations in the US. It serves large employers and associations with group benefits programs, overlapping with NCBA's offerings but at much greater scale.
• Aon: Aon is a global professional services firm with a large US employee benefits and group benefits practice. It overlaps with NCBA in employer benefits consulting but operates at much greater scale and breadth.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights4 records

Customer concentration

• LinkedInlinkedin.com/company/national-corporate-benefits-administrators

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NCBA