Member benefits

NALC CCA Retirement Savings Plan

CCA RSPNALC CCA Retirement Savings Plan is a retirement income plan designed for City Carrier Assistants (CCA’s) to supplement your pension. You make small payments to the plan while you're young, so you can receive a lifetime of monthly payments after you retire—even if you live to be 200!

Under the NALC CCA Retirement Savings Plan, you can also request a guaranteed number of monthly payments.

City Carrier Assistants who participate in the plan may transfer their Traditional IRA funds to the Thrift Savings Plan once they become carrier letter carriers. The Surrender Charge will be waived in this instance only.

You choose the amount you want to contribute to your NALC CCA Retirement Savings Plan. It can be as little as $15 per pay period (the minimum amount allowed). You may also select your method of payment: MBA can deduct payments automatically from your paycheck, or bill you monthly or annually.*

With as little as a one-time $15.00 payment, your can start your NALC CCA Retirement Savings Plan and never have to make any additional deposits in order to maintain your policy in force. You may also make a lump sum deposit into the NALC CCA Retirement Savings Plan at any time to help build your plan’s value.

As your NALC CCA Retirement Savings Plan grows, you can expect to earn competitive interest rates. The plan is tax-deferred, which means you do not pay taxes on any of your interest until you draw on it, further improving your yield.

When you're ready to retire, MBA offers a choice of four ways to collect monthly benefits:

Life Annuity With Period Certain. Receive a lifetime of monthly payments. You're guaranteed this income for as long as you live. If you die during a specified period (5, 10, 15 or 20 years), payments go to your beneficiary until the end of the period.

Life Annuity. Receive monthly payments through your lifetime. No further benefits will be paid after your death.

Joint Life Annuity. You or your beneficiary receive monthly payments as long as either of you live.

Full Cash Refund. Receive monthly payments as long as you are alive. When you die, the MBA will pay any money in your account to your beneficiary.
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*Retirees may choose to pay premiums monthly or annually. Sorry, retirees are not eligible to use payroll deductions.

Applications by state (states not listed are at the bottom)

California

Please mail completed application form to:

U.S. Letter Carriers Mutual Benefit Association
100 Indiana Avenue, NW     
Suite 510
Washington, D.C. 20001-2144
    
Due to their sensitive nature and to protect your privacy interests, personal inquiries and problems will not be handled through the MBA or NALC website. For general benefit information, please talk to your local MBA Representative.

  • For more information contact your local NALC branch office
  • or call MBA's nationwide WATS line: 1 (800) 424-5184 Tuesday & Thursday—8:00 a.m. to 3:30 p.m. Eastern Time
  • or call MBA at (202) 638-4318 Monday thru Friday—8:00 a.m. to 3:30 p.m. Eastern Time

District of Columbia

Please mail completed application form to:

U.S. Letter Carriers Mutual Benefit Association
100 Indiana Avenue, NW     
Suite 510
Washington, D.C. 20001-2144
    
Due to their sensitive nature and to protect your privacy interests, personal inquiries and problems will not be handled through the MBA or NALC website. For general benefit information, please talk to your local MBA Representative.

  • For more information contact your local NALC branch office
  • or call MBA's nationwide WATS line: 1 (800) 424-5184 Tuesday & Thursday—8:00 a.m. to 3:30 p.m. Eastern Time
  • or call MBA at (202) 638-4318 Monday thru Friday—8:00 a.m. to 3:30 p.m. Eastern Time

Florida

Please mail completed application form to:

U.S. Letter Carriers Mutual Benefit Association
100 Indiana Avenue, NW     
Suite 510
Washington, D.C. 20001-2144
    
Due to their sensitive nature and to protect your privacy interests, personal inquiries and problems will not be handled through the MBA or NALC website. For general benefit information, please talk to your local MBA Representative.

  • For more information contact your local NALC branch office
  • or call MBA's nationwide WATS line: 1 (800) 424-5184 Tuesday & Thursday—8:00 a.m. to 3:30 p.m. Eastern Time
  • or call MBA at (202) 638-4318 Monday thru Friday—8:00 a.m. to 3:30 p.m. Eastern Time

South Dakota

Please mail completed application form to:

U.S. Letter Carriers Mutual Benefit Association
100 Indiana Avenue, NW     
Suite 510
Washington, D.C. 20001-2144
    
Due to their sensitive nature and to protect your privacy interests, personal inquiries and problems will not be handled through the MBA or NALC website. For general benefit information, please talk to your local MBA Representative.

  • For more information contact your local NALC branch office
  • or call MBA's nationwide WATS line: 1 (800) 424-5184 Tuesday & Thursday—8:00 a.m. to 3:30 p.m. Eastern Time
  • or call MBA at (202) 638-4318 Monday thru Friday—8:00 a.m. to 3:30 p.m. Eastern Time

All other states

Please mail completed application form to:

U.S. Letter Carriers Mutual Benefit Association
100 Indiana Avenue, NW     
Suite 510
Washington, D.C. 20001-2144
    
Due to their sensitive nature and to protect your privacy interests, personal inquiries and problems will not be handled through the MBA or NALC website. For general benefit information, please talk to your local MBA Representative.

  • For more information contact your local NALC branch office
  • or call MBA's nationwide WATS line: 1 (800) 424-5184 Tuesday & Thursday—8:00 a.m. to 3:30 p.m. Eastern Time
  • or call MBA at (202) 638-4318 Monday thru Friday—8:00 a.m. to 3:30 p.m. Eastern Time