Compensation includes cash stipend and housing allowance. Benefits include pension, health insurance, group life insurance, vacation, sick leave, continuting education leave, and professional development leave or sabbatical. See Clergy Compensation Policy
for further details.
Pension benefits for all clergy and eligible lay employees are administered by Church Pension Group. For information about pension plans for clergy and lay employees, visit www.cpg.org
Forms for Clergy Pension:
New Requirements for Lay Pensions:
Benefits for Lay Employees who are scheduled to work a minimum of 1,000 hours annually in the Diocese of Iowa shall include Church Pension Fund payments for either the Defined Benefit plan or the Defined Contribution plan. This shall include lay employees that receive compensation for working for congregations, the diocese, or other ecclesiastical organizations or bodies subject to the authority of the Church.
Furthermore, in the case of Defined Contribution plans of domestic schools serving children of any age, the minimum contribution that such schools must make to a defined contribution pension plan for each qualified employee is identified by the following table:
If a school's contributions to employee pensions are already above the minimum required contribution or match percentage for any year, the school shall not lower the contribution or match in the defined contribution pension program.
Forms for Lay Pension:
Clergy and lay employees that work 1,000 or more hours per year (~20 hours/week) in the Diocese of Iowa are eligible to participate in diocesan-sponsored health benefits. Employees that work 1,500 or more hours per year (~30 hours/week) must be enrolled in an approved Episcopal Health Plan unless they have coverage from an approved source. Approved sources may include coverage through a spouse or partner's employment, benefits through a government-sponsored program such as Medicaid or TRICARE, or coverage from a previous employer. Domestic partners may be included as dependents under family coverage. Employee Compensation and Benefits Policy
2014 Open Enrollment for Employee Health Insurance
Online Open Enrollment for 2014 health insurance will run from October 31 - November 21, 2013.
The only significant change to current Health Plan Selections for 2014 is an average 4% decrease
in premium cost. We will offer a choice of three medical plans to eligible employees through the Medical Trust for 2014. Summaries of these plans are available by clicking the link below.
For 2014, the Diocese of Iowa will be changing our dental provider to Cigna Dental
through the Medical Trust. The Cigna Basic Dental plan will be the approved minimum health plan in for the Diocese of Iowa effective January 1, 2014. An optional Dental & Orthodontia plan is also available for employees that would like to “buy up.” All employees currently enrolled with the Delta Dental of Iowa plan must participate in Open Enrollment through the Medical Trust to select a Cigna Dental plan
that will be effective January 1, 2014.
Employees currently enrolled in a health plan through the Medical Trust
will receive a letter from the Medical Trust approximately one week before their Open Enrollment period. This letter will provide them with information on when and how to access the Open Enrollment website.
Employees Currently Enrolled in the Delta Dental of Iowa Plan must select a Cigna Dental plan during the Open Enrollment period in order to continue dental coverage in 2014
. Employees currently enrolled in a health plan through The Medical Trust must follow the instructions to select a dental plan that will be included in the letter they will receive from the Medical Trust. Employees that are NOT enrolled in a health plan through the Medical Trust will need to complete an enrollment form during the Open Enrollment period in order to select a dental plan. Enrollment forms will be mailed to these employees.
Employees who qualify for health coverage but are not currently participating
in one of our health or dental plans are eligible to enroll themselves and/or their dependents during Open Enrollment for the 2014 plan year. Please contact the Diocesan Office
for more information.
Iowa's health plans are Denominational Health Plans (DHP) through the Episcopal Church Medical Trust. For 2013 and 2014 there are 3 approved health plans available that meet the minimum coverage required for employees in the Diocese of Iowa.
In addition to medical coverage, all three of these plans include:
The annual costs for health insurance
in the Diocese of Iowa for 2013 and 2014 are listed below. The rates for 2014 are an average 4% decrease over the 2013 rates.
|1. Empire BCBS PPO 75/50 plus HRA
|2. Empire BCBS HDHP plus HSA
|3. United Healthcare Choice 80
The HRA is associated only with #1, the Empire BCBS 75/50 PPO Plan
The diocesan HRA that is associated ONLY with the Empire BCBS 75/50 PPO plan. The HRA is administered by Kabel Business Services
of West Des Moines. Employees enrolled in the Episcopal Empire BCBS 75/50 PPO plan are also 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 Episcopal Empire BCBS 75/50 PPO plan. 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.
HRA Reimbursement CLAIM FORM
In 2013, the Delta Dental Premier Plan is the approved dental plan for employees working in the Diocese of Iowa. The cost for single coverage in 2013 is $33.50/month (or $402/year). Employees may choose to "buy up" to a family plan ($97.17/month). Employers are billed by the Diocese of Iowa for dental coverage for their employees.
In 2014, the approved dental plan will be the Cigna Basic Dental Plan through the Episcopal Church Medical Trust. The Cigna Basic Dental Plan offers improved coverage for employees. The cost for single coverage will be $40/month ($480/year) and family coverage is available for $92/month ($1,104/year). Also, orthodontia coverage is available for those wishing to "buy up". Employers will be billed by the Episcopal Church Medical Trust for the dental coverage for their employees.
Participation in the Diocesan Cafeteria/Flex Plan (FSA) is available to ALL
eligible clergy and lay employees in the Diocese of Iowa, unless they are enrolled in a High Deductible Health Plan (HDHP) with a Health Savings Account (HSA)
. 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. It may also be used to pay for dependent care.
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
The 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
at the Diocesan Office at 515-277-6165 or firstname.lastname@example.org
, or contact Kabel Business Services at 800-300-9691.
View/download FSA Information Brochure
View/download Employee Enrollment Form
View/download Employer Agreement Forms
View/download Reimbursement Claim Form
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 email@example.com
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 firstname.lastname@example.org
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