Medical continuation provides continuous coverage for eligible members who are retiring and, therefore, terminating coverage from the Medical Plan for active members.
If you are a retiring member age 55 or older and you are participating in the Benefits Plan, you are eligible to enroll in medical continuation coverage if you
- meet the requirements of the Rule of 70 (if you do not meet this requirement, you are eligible for 18 months of coverage);
- are a surviving and/or former spouse who has maintained continuous coverage;
- are a spouse or a dependent child under the age of 26 of a member who meets the eligibility requirements (even if the member does not enroll).
If you are not participating in the Benefits Plan when you retire, you may be eligible to enroll in medical continuation coverage if you meet all three of the following requirements:
- You have participated in the plan for at least 20 years.
- You were employed in approved, church-related service or specialized ministry service from plan separation to retirement initiation.
- You were required by the employing organization prior to retirement to participate in the employer medical program.
Continuous Coverage Requirement
You may not enroll in medical continuation coverage in the future if you do not maintain continuous coverage in a qualified health plan.
Waiver of Continuous Coverage Requirement
You or your spouse may be eligible to waive continuous coverage if you
- meet the requirements of the Rule of 70 at termination;
- are covered by another qualified health plan.
Exercising this waiver allows you to sign up for the Medicare Supplement Plan when eligible.
To waive coverage, you must return the completed waiver section of the Medical Continuation Subscription or Waiver form.
You receive the same coverage provided by the Medical Plan for active members or eligible family members of active members, as applicable, but on a self-paid basis only. For PPO coverage, the deductible is based on the congregational teaching elders' median salary.
Requirements of the Rule of 70
- You must be age 55 or older when you terminate eligible active service.
- You must have at least five years of Medical Plan participation.
- The sum of your age and years of Medical Plan participation at termination must equal 70 or more.