Your employer must have an Employer Agreement on file with the Board of Pensions. Your Employer Agreement documents the benefits selections your employer offers employees and permits employees to make benefit elections when they are eligible to participate in the Benefits Plan (when they have a qualifying life event and at annual enrollment). The agreement defines
- which benefits will be offered;
- who will be eligible for benefits; and
- how much employees will contribute toward the cost of coverage.
Treasurers, administrators, and other employer representatives use Employer Decision Support (EDS) in Benefits Connect to view and refine benefit groups, and model various benefit selections, employer and employee cost scenarios, and salary changes. Following the step-by-step approach using EDS, the employer creates an Employer Agreement with the Board.
Each employee must be assigned to a benefit group, and will elect benefits based on what the employer has made available to each group. Employers may assign each employee to one of up to five primary benefit groups. The employer may create up to five groups within each of these benefit groups. The primary benefit groups are
- installed pastors;
- other teaching elders (working 20 or more hours per week);
- other teaching elders (working less than 20 hours per week);
- other employees (working 20 or more hours per week);
- other employees (working less than 20 hours per week).
Other employees and teaching elders (other than installed pastors) may be offered benefits through menu options. Through menu options, an employer may offer benefits selections based on Benefits Plan provisions and the Employer Agreement. Some examples, based on the employer’s choice, are as follows:
- Other employees and teaching elders working 20 or more hours per week may be eligible to be enrolled in the Pension and Death and Disability plans.
- Other teaching elders, regardless of the number of hours worked, and other employees working at least 20 hours per week may be eligible to elect medical coverage.
- Employers who provide death and disability coverage may also offer supplemental death and supplemental disability coverage.
- Employers may offer dental coverage to teaching elders and other employees working 20 hours or more per week.
- Employers may offer participation in the Retirement Savings Plan (RSP) to any employee, regardless of the number of hours worked.
Installed pastors must be enrolled in Pastor’s Participation, which includes full family medical coverage in the preferred provider organization (PPO), Pension Plan participation, and Death and Disability Plan coverage. Supplemental death and supplemental disability coverage, as well as participation in the RSP must also be offered to installed pastors. An employer may choose to contribute to the RSP on a member’s behalf.
Other teaching elders who work at least 20 or more hours per week may also be enrolled in Pastor’s Participation.