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

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

Your employer must contribute at least 50 percent of the Member-only coverage cost in the lowest cost option offered, regardless of the option or coverage level you elect.

If your employer offers the EPO, or both the EPO and PPO, your employer must pay at least 50 percent of the Member-only coverage cost under the EPO. If your employer offers only the PPO, the employer must contribute at least 50 percent of the Member-only coverage cost under the PPO.

You may be asked to contribute up to100 percent of the costs of covering family members under the medical option you elect.

If your employer provides the Pension Plan and/or Death and Disability Plan to you, the employer will pay 100 percent of the dues. You 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 your employer provides death and disability coverage, you may also be offered supplemental death and/or supplemental disability coverage if you are eligible. You may be asked to pay all or some of the cost of this rate-based coverage.

Your employer may choose to offer dental coverage; costs, which you may be asked to pay all or some of, are based on coverage level:

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

Your employer may also offer the RSP. RSP contributions are voluntary for both you and your employer.

Pastor’s Participation

If you are a teaching elder in Pastor’s Participation, your employer 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 be offered participation in the RSP, Dental Plan, Supplemental Death Benefits Plan, and Supplemental Disability Benefits Plan (if eligible). Employers may, but are not required to, contribute to the cost of any of these coverages if you elect them. You and/or your employer may contribute to the RSP.