The BCT Plan

We're changing the
whole game.

Save money with a Supplemental Unemployment Benefits Plan. BCT has a better way to pay prevailing wage.


Builders and Contractors Trust (BCT) offers a Supplemental Unemployment Benefits (SUB) Plan as a fringe benefit for all hourly employees.

Our SUB Plan helps you profitably comply with prevailing wage laws while providing your employees with sustainable, accessible income during periods of unemployment.

BCT’s SUB Plan lets you take the difference between the stated prevailing wages and your employees' total compensation packages and pay it to a SUB Plan instead of an additional hourly pay. Since the difference is treated as a fringe, it is not subject to labor burden — resulting in cost savings for your business.

Free yourself from the burden of cash raises required to meet prevailing wage work requirements. When the job requires a higher amount than you normally pay your employees, contributing to a BCT Plan can reduce your overhead, taxes* and expenses.

Unlike other traditional benefit plans:

  • SUB Plan contributions are not factored into workers' compensation or general liability insurance premiums
  • There is no wait time for benefit eligibility

*In certain instances, short week payments may be subject to FICA.

Partner With Us!

What People Are Saying

Carol Riley

Verdeterre Contracting, Inc.

“We have been very happy with BCT over the years. We appreciate having a system that is easy to use and are able to get in and get out without any concerns.”

Caryn Stubblefield

Extreme Milling & Pulverizing, LLC

“Our company started using BCT Benefits in 2020. Their website is very user-friendly and easy to navigate. Someone is always available for assistance or questions. It’s refreshing knowing that I can rely on BCT to assist us with our company's fringe requirements.”

Mary Montini

Central Asphalt, Inc.

“BCT has been great to work with. Any time we have any questions, Marci and/or Rachel are easy to reach and answer our questions, or get any information we may need. Maintaining employee information and receiving employee information is also easy to get from their website.”