WHAT ELCA PENSION AND OTHER BENEFITS PROGRAM ABOUT ELCA PENSION by ramhood17

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									     WHAT           ELCA PENSION                   AND
                  ELCA PENSION AND OTHER BENEFITS PROGRAMS
                                                              ABOUT ?
                                                              OTHER BENEFITS PROGRAM

WAIVING ELCA                            HEALTH COVERAGE
Health coverage is important. Duplicate coverage, however, may be costly and
unnecessary. If you have access to employer group coverage provided by an employer
other than your ELCA employer, you may waive the health coverage portion of the
ELCA Pension and Other Benefits Program if you are
• a sponsored member
• an ELCA pastor or a rostered layperson on leave from call
• a disabled member
• a retired member
• an eligible spouse or child

We encourage you to notify us at least two months in advance of the date you would
like to waive coverage. If you waive ELCA health coverage, your spouse and children
                                                                                       STEPS TO TAKE
• must also waive ELCA coverage if you are sponsored, retired or disabled
                                                                                       To waive coverage
• may continue ELCA coverage* if you are an ELCA pastor or rostered layperson on
                                                                                       1 Contact the ELCA Board of
   leave from call
                                                                                         Pensions if you want to waive
* Continuing health coverage will be billed to you monthly.                              ELCA health coverage.
                                                                                       2 Complete a Coverage election
Providing proof of coverage                                                              change form and return it to the
To waive ELCA health coverage, other employer group coverage must be provided            Board of Pensions, along with
by an employer other than the ELCA employer sponsoring you or your spouse in the         proof of other employer-provided
ELCA Pension and Other Benefits Program.                                                 group coverage (see details to
                                                                                         the left). The form is available on
Proof of other employer-provided group coverage may be                                   the Board of Pensions’ web site
• a letter from the other employer confirming your coverage                              at www.elcabop.org or by calling
• a copy of your health benefits identification card                                     (800) 352-2876 or (612) 333-7651.
   (Be sure to include the name of the employer providing that coverage.)
                                                                                       If your employer sponsors you
Waiver effective date                                                                  in the program
A waiver of ELCA health coverage can only apply to a future date. If you have other    If you waive ELCA health coverage,
employer-provided group coverage and choose to waive ELCA health coverage, the         you continue to participate in the
waiver will be effective the first day of the month following the date the Board of    ELCA retirement, disability and
Pensions Service Center receives your Coverage election change form and proof of       survivor plans throughout the
other employer-provided group coverage.                                                waiver period.

If you are on leave from call
If you are a pastor or rostered layperson, you may waive ELCA health coverage while
you are on leave from call. However, you must continue the lump-sum survivor benefit
coverage under the ELCA Survivor Benefits Plan.
  STEPS TO TAKE                                           If you are retired
  To activate after waiving                               If you waive ELCA health coverage, you continue to receive your monthly annuity
  coverage                                                payment (if applicable) throughout the waiver period. Your ELCA health coverage will
  1 Contact the Board of Pensions.                        be waived as of the first day of the month after the Board of Pensions receives your
   2 Complete a Coverage election                         Coverage election change form.
     change form and return it to the
     Board of Pensions. The form is                       Activate coverage after waiving
     available on our web site or                         If you waive ELCA coverage, you (and your eligible family members) may activate
     by phone.                                            coverage in the ELCA health plan at any time by filing a Coverage election change
                                                          form with the Board of Pensions.
   3 Ask your prior health insurance plan
     administrator for a Health Insurance                 NOTE: If you are activating your ELCA coverage and your other employer-provided
     Portability and Accountability Act                   group coverage has not ended, remember to waive or terminate the other coverage to
     (HIPAA) certificate of coverage, and                 avoid duplicate coverage.
     send it to the Board of Pensions
     along with your Coverage election                    If you activate within 60 days
     change form.                                         If you activate coverage in the ELCA health plan within 60 days following termination
                                                          of your other employer-provided group coverage, your ELCA coverage will be effective
  Other employer-provided                                 on any date within 60 days of the termination of the other coverage.
  group coverage
  To waive ELCA health coverage,                          If you activate after 60 days
  you must have group health coverage                     If you activate coverage in the ELCA health plan more than 60 days following the
  provided by one of the following:                       termination of the other employer-provided group coverage,
  • your employer (other than your                        • you and your dependents will have a six-month waiting period for health coverage
     sponsoring ELCA employer),                               (The waiting period begins the day your Coverage election change form is received
     provided your employer is not an                         by the Board of Pensions Service Center. A contribution to the health plan is not
     ELCA congregation, seminary,                             required during this period.)
     synod or churchwide unit                             • your health coverage will be effective the first day of the month following the end of
  • an employer or former employer                            the waiting period
     of your eligible spouse as the
     result of your spouse’s employment                   Annual open enrollment
  • your former employer as a result                      Eligible members, who previously waived ELCA health coverage and whose other
     of your previous employment                          employer-provided group coverage has been terminated for 60 or more days, may
  • your (or your spouse’s) employer                      activate coverage in the ELCA health plan during the annual open enrollment period
     or former employer if you are a                      without a six-month waiting period. (Coverage is effective Jan. 1 of the next year.) An
     retired member                                       eligible spouse and eligible children may also enroll during this period.
  • your (or your spouse’s) employer
     or former employer if you are on                     Notify the Board of Pensions
     leave from call                                      It is important to notify the Board of Pensions of any changes in family status (births,
  • a government-sponsored program                        deaths, divorce or loss of eligibility for a dependent), even when you are waiving
     outside the United States                            coverage.
  • Medicaid medical assistance
     programs                                             More information
  • a postsecondary educational                           For more information, refer to the Summary Plan Description for the ELCA Health Benefits
     institution attended by a coverage                   Plan. You can also contact our Service Center at (800) 352-2876 or
     continuation member, or eligible                     mail@elcabop.org, or visit our web site at www.elcabop.org.
     spouse or eligible child
  • a Medicare health plan option
     under Medicare Advantage




Printed with soybean inks on recycled paper containing 15 percent post-consumer waste.                                                20-307 (8/2005)

								
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