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Compensation & BenefitsCompensation Diocesan Clergy Compensation Policy Minimum Clergy Compensation Schedule Standard IRS Mileage Rate Clergy Compensation 2007 Church Compensation Report Pension Clergy Pension Lay Pension Health Benefits Health Insurance Health Reimbursement Account Dental Coverage Offset for out-of-pocket insurance expenses (Optional) Flexible Spending Account Additional Coverages Available Group Term Life Insurance Disability Insurance Long-Term Care Insurance Compensation Information
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| 2011 | 2012 | |||
| Single | Family | Single | Family | |
| Empire BCBS PPO 75/50 plus HRA | $9,432 | 21,447 | 9,432 | 21,447 |
| Empire BCBS HDHP plus HSA (NEW for 2012) | 9,404 | 20,924 | ||
| United Healthcare Choice 80 (NEW for 2012) | 9,084 | 20,928 | ||
| Dental Insurance (billed by Diocese of Iowa) | 390 | 1,108* | 402 | 1,142* |
* Single dental coverage required for all eligible employees; family coverage is optional. Employees may purchase family dental insurance by paying the difference between the single and family rates.
Federal Health Care Reform FAQs
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1) Health Coverage
Iowa's health coverage is through the Episcopal Church Medical Trust. For 2012 there are 3 plans offered:
•75/50 PPO plan administered by Empire BlueCross BlueShield with a Health Reimbursement Account (HRA) administered by Kabel Business Services.
•High Deductible Health Plan (HDHP) administered by Empire BlueCross BlueShield, with a Health Savings Account (HSA) administered by Melon Bank.
•Choice 80 plan administered by UnitedHealthcare.
•High Deductible Health Plan (HDHP) administered by Empire BlueCross BlueShield, with a Health Savings Account (HSA) administered by Melon Bank.
•Choice 80 plan administered by UnitedHealthcare.
All three plans also include the following coverages:
•Vision coverage administered by EyeMed
•Mental health coverage and Employee Assistance Program administered by Cigna Behavioral Health
•Mental health coverage and Employee Assistance Program administered by Cigna Behavioral Health
•Healthcare advocacy and assistance through Health Advocate
•Emergency travel assistance through MEDEX
•Emergency travel assistance through MEDEX
Downloads:
2012 Summary of Medical Trust Insurance Benefits
Health Insurance Enrollment Form
Health Insurance Change Form
2012 Summary of Medical Trust Insurance Benefits
Health Insurance Enrollment Form
Health Insurance Change Form
2) Health Reimbursement Account (HRA)
The diocesan HRA that is associated with the Empire BCBS 75/50 PPO plan is administered by Kabel Business Services of West Des Moines. Participants in diocesan health insurance coverage through the Medical Trust are automatically enrolled in the HRA. The HRA is an employer-funded account to help offset increased out-of-pocket medical costs to clergy and lay employees that are particpating in the diocesan sponsored health benefits. In order to receive reimbursement from through the HRA, employees must submit a claim form and a copy of their BCBS Explanation of Benefits to Kabel Business Services.
3) Dental Insurance
Single dental coverage through the diocesan-sponsored dental insurance plan with Delta Dental of Iowa is required as an employer-provided benefit for all Episcopal employees in Iowa that work for pay for 20+ hours per week for a church or institution, and do not have dental coverage through a spousal plan or previous employment. Even if other health coverage is through another provider, dental insurance must be purchased through the diocesan plan. Eligible employees may also purchase family dental insurance by paying the difference between the single and family rates.
The Delta Dental Premier Plan cost for single coverage in 2012 will be $33.50/month (or $402/year). Family may be purchased by the employee, with the employee paying the difference between the single and family cost. The cost in 2012 for family coverage will be $95.17/month, so the difference will be $61.67/month. Employers will be billed by the Diocese of Iowa for dental coverage for their employees.
The Delta Dental Premier Plan cost for single coverage in 2012 will be $33.50/month (or $402/year). Family may be purchased by the employee, with the employee paying the difference between the single and family cost. The cost in 2012 for family coverage will be $95.17/month, so the difference will be $61.67/month. Employers will be billed by the Diocese of Iowa for dental coverage for their employees.
Cafeteria/Flexible Spending Account (FSA)
Participation in the Diocesan Cafeteria/Flex Plan (FSA) is available to ALL eligible clergy and lay employees in the Diocese of Iowa. An FSA is voluntary and allows an employee to set aside a portion of his or her earnings pre-tax to pay for qualified medical expenses. Money deducted from an employee's pay for an FSA is not subject to payroll taxes, resulting in a substantial payroll tax savings. The FSA can be used to pay for medical expenses not paid for by insurance; this usually means deductibles, co-payments, and coinsurance, but may also include expenses not covered by the health plan such as dental and vision expenses and over-the-counter medications. It may also be used to pay for dependent care and individual health insurance premiums that are not paid by an employer.
This FSA is administered by Kabel Business Services of West Des Moines. Enrollment in this plan must take place prior to January 1 each year. New employees have 30-day grace period in which to enroll.
View/download FSA Reimbursement Claim Form
FSA EnrollmentThe Diocese of Iowa is pleased to announce the availability of a Cafeteria/Flex Plan. This voluntary plan is available to ALL clergy and lay employees that work for the Episcopal Church in Iowa and receive compensation for 20 or more hours per week. There is a $9 per month administration fee per employee (the savings in employer payroll taxes may cover this cost for lay employees). Because the FSA is based on a calendar year, employees participating must submit a new enrollment form every year. In order to participate: ►Clergy and Lay Employees must complete an Enrollment Form. ►Churches that have not participated before must also complete a set of Agreement forms ►New Employees have a 30-day open enrollment period from their date of hire! We hope that you will consider offering this valuable benefit to your clergy and lay employees that receive compensation for 20 or more hours per week. Kabel Business Services has additional information on their website at www.kabelbiz.com. If you have questions, you may contact Anne Wagner or Robert Joy View/download FSA Information Brochure View/download Employee Enrollment Form View/download Employer Agreement Forms View/download Reimbursement Claim Form |
Additional Coverages Available
Group Term Life Insurance
Through the Church Pension Group, the Diocese of Iowa offers $40,000 in group term life insurnace available to employees compensated for 20 or more hours per week. The cost for this coverage is $19.60/month. Enrollment must take place within 30 days of new employment, or in periodic open enrollment periods offered by Church Pension Group. For more information, visit www.cpg.org or contact the diocesan office at 515-277-6165 or diocese@iowaepiscopal.org.
Disability Insurance
Through the Church Pension Group, the Diocese of Iowa offers short-term disability insurance for lay employees, and long-term disability for both lay and clergy employees.
Short-Term Disability Insurance
Short-term coverage replaces lost income for up to a year of disability, allowing parishes and other church organizations to hire temporary help while the cleric or lay employee recovers. (Active clergy are automatically enrolled in the Short-Term Disability plan as a pension benefit.)
Long-Term Disability Insurance
Long-term benefits pick up when the short-term plan expires. They continue until the employee is able to work again, reaches age 65, or longer in some cases.
Employers may provide this group benefit in full, or employees may purchase it on their own. For more information, visit www.cpg.org or contact the diocesan office at 515-277-6165 or diocese@iowaepiscopal.org.
Short-Term Disability Insurance
Short-term coverage replaces lost income for up to a year of disability, allowing parishes and other church organizations to hire temporary help while the cleric or lay employee recovers. (Active clergy are automatically enrolled in the Short-Term Disability plan as a pension benefit.)
Long-Term Disability Insurance
Long-term benefits pick up when the short-term plan expires. They continue until the employee is able to work again, reaches age 65, or longer in some cases.
Employers may provide this group benefit in full, or employees may purchase it on their own. For more information, visit www.cpg.org or contact the diocesan office at 515-277-6165 or diocese@iowaepiscopal.org.
Long-Term Care Insurance
The Church Pension Fund (CPF) makes Group Long Term Care Insurance available for purchase. This insurance is issued by The Prudential Insurance Company of America and offered on a voluntary basis at the participant's sole expense. For more information visit, www.cpg.org.
