Delaware Mutual Benefit Associations (DBA) are a type of non-profit organization established in Delaware. They provide members with a variety of benefits and services, including insurance, retirement plans, and health care. DBA's are organized and operated for the exclusive purpose of providing mutual benefits to their members. There are three main types of Delaware Mutual Benefit Associations: Fraternal Benefit Associations, Trade Associations, and Voluntary Employees' Beneficiary Associations (Vegas). Fraternal Benefit Associations are organizations with a common purpose or goal, such as an industry or hobby. Trade Associations are organizations of businesses, such as a chamber of commerce, that are formed to promote and protect the interests of all members. Voluntary Employees' Beneficiary Associations (Vegas) are organizations formed by employers to provide benefits to their employees. DBA's are regulated by the Delaware Department of Insurance and are subject to all of Delaware's insurance laws and regulations. DBA's must file an annual report and provide financial statements to the Department of Insurance. DBA's are also required to maintain certain minimum standards in order to remain in good standing. DBA's offer a wide range of benefits and services, including health, life, and disability insurance; retirement plans; and other services such as legal assistance and travel discounts. DBA's also provide educational programs and seminars to help members better understand their benefits and how to make the most of them.