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Dues/Cost of Coverage

The cost of medical coverage is determined differently in menu options and Pastor’s Participation. The costs of pension and death and disability coverages are based on a percentage of effective salary (subject to minimum and maximum participation bases). The costs for dental, supplemental death, and supplemental disability coverage (if eligible and offered) are based on the level of coverage elected.

Menu Options

For medical coverage, you may offer the PPO, the EPO, or both. Medical coverage costs are expressed in dollars, based on coverage level:

  • Member-only
  • Member + Spouse
  • Member + Child(ren)
  • Member + Family

You must contribute at least 50 percent of the Member-only coverage cost in the lowest cost option you offer, regardless of the option or coverage level the employee elects.

If you offer the EPO, or both the EPO and PPO, you must cover at least 50 percent of the Member-only coverage cost under the EPO. If you offer only the PPO, you must contribute at least 50 percent of the Member-only coverage cost under the PPO.

You may ask employees to contribute up to100 percent of the costs of covering family members under the medical option they elect.

If you choose to provide the Pension Plan and/or Death and Disability Plan to employees in menu options, you will pay 100 percent of the dues. Employees may not contribute to the coverage costs of these plans. Dues are based on percentage of effective salary or the minimum participation basis, whichever is greater, and not more than the maximum participation basis:

  • pension: 11 percent
  • death and disability: 1 percent if provided with pension; 3.5 percent if provided without

If you provide death and disability coverage, you may offer supplemental death and/or supplemental disability coverage to eligible employees. You may choose whether to contribute to the cost of this rate-based coverage.

You may also choose to offer the RSP and/or the Dental Plan. RSP contributions are voluntary, both on your part and your employee’s. Dental Plan costs, to which you may choose to contribute, are based on coverage level:

  • Member-only
  • Member + Spouse
  • Member + Child(ren)
  • Member + Family

You must apply any contribution requirements for benefits consistently across a benefit group, as defined in your Employer Agreement.

Pastor’s Participation

For teaching elders in Pastor’s Participation, you must pay 100 percent of the dues for Member + Family medical coverage in the PPO, Pension Plan participation, and Death and Disability Plan coverage. Dues are paid on a percentage of effective salary, or the minimum participation basis, whichever is greater, and not more than the maximum participation basis:

  • medical: 24.5 percent
  • pension: 11 percent
  • death and disability: 1 percent

You must offer participation in the RSP, Dental Plan, Supplemental Death Benefits Plan, and Supplemental Disability Benefits Plan (if eligible), but are not required to contribute to the cost of coverage. You and/or the teaching elder may contribute to the RSP.