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Being God’s love with our neighbor in all places

324 University Ave, 3rd Floor, Syracuse, New York 13210 ~ Phone 315‐424‐7878 x318 Fax: 315‐495‐0975 ~ email: [email protected] ~ Webpage: www.UNYUMC.org

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UNY CONFERENCE BENEFITS INFORMATION ‐ 2013

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CLERGY BENEFITS COMPENSATION PACKAGE ................................................................................................... 2 Minimum Base Compensation Minimum Salary Phase-In Time Off Policy Housing Exclusion Parsonage Value Considerations BENEFIT ELIGIBILITY CHART ............................................................................................. 4 Pension Plans: MPP & CRSP .................................................................................................... 5 CRSP at a Glance UMPIP – Personal Retirement Savings .................................................................................... 9 UMPIP at a Glance COMPREHENSIVE PROTECTION PLAN (CPP) .................................................................. 13 Long Term Disability & Death Benefits CPP at a Glance 2013 Benefit Amounts EARLY INTERVENTION PROGRAM – Support for Clergy at Risk for a Disability .......... 16 EIP Highlights VOLUNTARY TRANSITION PROGRAM – Facilitating a grace-filled exit from ministry .. 17 GRIEF SUPPORT SERVICES – Support and Referral Services .......................................... 18 Service Plan Highlights HEALTH CARE PROGRAM - HealthFlex ............................................................................. 24 EPO Benefit Summary Medco Rx Benefit Summary & Vision Plan Summary

Employee Assistance Programs – Full time and Part time clergy EMPLOYEE ASSISTANCE PROGRAM for part time persons ............................................. 28 UMLIFE OPTIONS - Optional Life Insurance ..................................................................... 28 Optional Life Highlights FINANCIAL PLANNING SERVICES - Professional Financial Consultations .................... 28 Ernst & Young Services LONG TERM CARE - Insurance Product Offered by John Hancock .................................... 28 LTC Highlights LOCAL CHURCH LAY EMPLOYEE BENEFITS PENSION & HEALTH CARE ................................................................................................. 29


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COMPENSATION PACKAGE

MINIMUM BASE COMPENSATION A standardized minimum base compensation is established for The Upper New York Annual Conference that requires the following: A minimum base salary of $35,000 for all full time clergy persons. (Less than full

time appointments shall receive a base salary pro-rated according to the appointment.)

Plus a credential increment based on status as follows:

Increment Base Full connection: 10% ($3,500) $38,500 Provisional: 8% ($2,800) $37,800 Associate: 6% ($2,100) $37,100 FT LP completed Course of Study or MDiv 4% ($1,400) $36,400 FT Local Pastor: none (-0-) $35,000

Plus an additional $200 per full time equivalent years of service up to 15 years. Plus an additional $500 for each additional church on the pastoral charge (over one). No pastor’s salary can be decreased as a result of this policy, as long as they retain

their current appointment. All churches are encouraged to offer a salary increase of no less than 2.1% for 2013.

MINIMUM SALARY PHASE-IN Churches/charges where the 2012 Base Compensation is lower than the 2013 Minimum Base Compensation will be given two years to attain the Minimum Base Compensation established by Conference, according to this schedule:

2013: Increase by 1/2 of the difference between the 2012 Base Compensation and the 2013 Minimum Base Compensation.

2014: The full 2014 Minimum Base Compensation will be paid. In addition, full time pastors are entitled to: Housing, pension, health insurance, and utilities

TIME OFF POLICY All church staff are entitled to two days off per week for personal time, family time

and spiritual renewal, one of which would be a Sabbath day Clergy are entitled to 4 weeks of vacation each year with 5 weeks for those with

more than 20 years of service. The number of Sundays off will correspond at least one-to-one with the number of weeks of vacation.

Full time clergy shall have at least 2 weeks per year of Continuing Education/Spiritual Growth leave (as per ¶ 351.1 & 351.2). Furthermore, once every quadrennial period (every four years) there should be one year where an additional month of Continuing Education/Spiritual Growth is undertaken.


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Full time pastors are encouraged to give a week annually to a Conference camping ministry.

There will be no prescribed sick leave for clergy. Short and long term disability will be in place as needed. Time off for part time clergy is to be individually negotiated in consultation with the SPRC, pastor and District Superintendent at the time of the initial appointment and subsequently as needed.

HOUSING EXCLUSION If an exclusion from gross salary, the amount is determined by the pastor If paid as a housing allowance in addition to salary, the amount is

determined during the salary package discussions Must be established prior to the first payment of the exclusion Resolution sample is available through the Benefits Office

TREATMENT OF PARSONAGE VALUE IN COMPENSATION PACKAGES Clergyperson or Clergy Couple with separate churches, each providing a parsonage

Regardless of where the clergyperson or couple lives, each clergyperson’s entire compensation will include a parsonage value equal to 25% of gross salary

Clergy Couple serving separate churches, living in parsonage provided by one of the

churches with no parsonage offered/available from the other church Only the clergyperson serving the church which provides the

parsonage will have the parsonage value (25%) added to salary


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CLERGY BENEFIT ELIGIBILITY CHART – 2013

CLERGY STATUS CRSP Pension UMPIP Pension CPP Death & Disability HealthFlex Eligibility Cost Eligibility Cost Eligibility Cost Eligibility Cost

Full Members @ Local Church

Full Time Y 14%CB O As det‐ermined by the partici‐ pant; before‐ tax or after‐tax; % of CB or $ amount

Y 3% CB Y $11,400 Per eligible clergyperson If enrolled: Additional Personal Contribution Single‐$1,272 Two person‐ $2,400 Family‐$3168

¾ time Y 14%CB O Y 3% CB N

¼ to ½ time Y 14%CB O O 4.4%DAC N

Associate Members @ Local Church Full Time Y 14%CB O Y 3% CB Y



Provisional Elders @ Local Church Full Time Y 14%CB O Y 3% CB Y



Provisional Deacons @ local church Full Time Y 14%CB O Y 3% CB Local

church decision

¾ time Y 14%CB O N

¼ to ½ time Y 14%CB O N

Local Pastors @ Local Church

Full Time Y 14%CB O Y 3% CB Y

Part time or Student Y 14%CB O N N

Incapacity Leave Y – if elig. For CPP benefit; Conf. Pays

N N Y if already enrolled;Conf. Pays

Personal or Transitional Leave N N O – clergy pays 4.4%DAC

Y if already enrolled; participant pays actual premium (not blended rate)

Sabbatical Leave Y – Defined Benefitonly

N Y – one year; Conf. Pays

Family Leave N N Y – one year; Conf. Pays

Appointed to Attend School N N O – clergy pays 4.4% DAC 18 months continuation

Extension Ministry except as Conference Staff

N N N 18 months continuation

Y = Yes N = No O = Optional CB = Compensation Base (salary + housing) 4.4%DAC = $234.18 per month


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MINISTERIAL PENSION PLAN (MPP)

(for service from 1/1/82 to 12/31/2006) Accrued contributions are on account at the General Board of Pension & Health Benefits for distribution upon retirement in the form of a partial lump sum distribution and/or annuitized benefit.

CLERGY RETIREMENT SECURITY PROGRAM (CRSP) (effective 1/1/2007)

CRSP is a retirement plan administered by the General Board of Pension & Health Benefits. It is a “church plan” in accordance with the Internal Revenue Code. ELIGIBILITY clergy member of conference full time, part time or student local pastor under episcopal appointment clergy person of another denomination if not covered by another pension plan

There are no salary requirements to be enrolled in CRSP

ENROLLMENT eligibility is determined by Benefits Officer upon receipt of Notice of Appointment

Form and enrollment form is sent from the Conference office enrollment form with participant portion completed is returned to the Conference

office for processing into the GBOPHB and Conference invoicing system enrollment is confirmed and plan documents sent by GBOPHB

THE PLAN

There are two forms of benefit: (1) Defined Benefit (2) Defined Contribution

Benefits are available upon:

normal retirement at age 65 or with 40 years of service early retirement at age 62 or with 30 years of service retirement with 20 years of service (after reaching age 62) mandatory retirement at age 72 upon termination of membership, within certain guidelines


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The distribution of the Defined Benefit is based on the annuity options available at the time of retirement and the number of years of service (1/1/2007 through 12/31/2013) under the plan. The years of service are multiplied by 1.25% (0.0125) of the Denominational Average Compensation in effect at the time of retirement to arrive at the annual benefit. This will change to be 1.0% of DAC for years after 1/1/2014. The monies accrued in the Defined Contribution account may be distributed in a lump sum, partial lump sum or through cash installments. Distribution can also be deferred. CONTRIBUTIONS Contributions will be determined by the Compensation Base, which is the sum of cash salary, housing exclusion (furnishings) and parsonage value/housing allowance.

Example: Cash Salary $45,000 Furnishings 3,000

Salary Subtotal $48,000 Parsonage Value (25% of salary subtotal) 12,000

Compensation Base $60,000

Church Contribution into CRSP

Church pays 14% of Compensation Base; 3% goes into the Defined

Contribution Account and the remainder pre-funds the Defined Benefit annuity.

DIRECT BILLINGS

Salary information is recorded in the Conference Office when received from the District Superintendent

Conference Office generates a monthly billing to the church for pension and CPP (if applicable), based on the calculated annual contribution

All payments must be made on a church check to satisfy federal regulations When payment is not made, arrearage notices are sent to both the pastor and

the treasurer; District Superintendent is notified and they are responsible to make contact with the church if the arrearage is not satisfied

At-a-Glance

Clergy Retirement Security Program

Caring For Those Who Serve

CRSP At a Glance 3412/121509

The Clergy Retirement Security Program (CRSP) is a retirement program thatoffers:

• security through a defined benefit (DB) component that gives you lifetimeretirement income, and

• flexibility through a defined contribution (DC) component that provides youwith an account balance you can access as your retirement needs require.

Eligibility

You are eligible to participate if you are a clergy member or local pastor underEpiscopal appointment to a conference, church, charge, district or conference-controlled entity or unit and you are receiving compensation.

CRSP Features

• You are automatically enrolled by your plan sponsor.

• The DB component provides a monthly retirement benefit that is calculatedusing the following formula:

1.25% x Denominational Average Compensation (DAC) at retirementx years of credited service* after 12/31/06 ÷ 12

• You will have various DB payment options when you retire.

• Every month, your annual conference contributes 3% of your compensationto your DC retirement account.

• Your DC account—earnings and contributions—grows tax deferred until youwithdraw your money.

• The DC component provides convenient distribution options when you areeligible to access the money in your account balance—including a lump-sumdistribution, partial distributions or a series of regular payments called “cashinstallments.”

(continued on back)

The Clergy Retirement

Security Program (CRSP) is

an Internal Revenue Code

section 403(b) retirement

plan administered by the

General Board of Pension

and Health Benefits of

The United Methodist

Church—the largest

denominational pension

fund in the world. It is

designed to provide you

with one element of

your overall retirement

portfolio.

At-a-Glance

Clergy Retirement Security Program


CRSP At a Glance/CRSP/3412/121509

(continued from front)

• The DC account balance can remain in the plan until the later of participantretirement, termination or attainment of age 70½.

• There are annual cost-of-living increase options for retirees.

• Participants receive on-demand and quarterly account statements.

• Account information is accessible through the Web site (www.gbophb.org)and Interactive Voice Response (IVR) system (1-800-851-2201).

• Representatives are available from 8:00 a.m. to 6:00 p.m., Central time,Monday through Friday at 1-800-851-2201.

Investment Assistance

The General Board offers two services that can help you select investments foryour DC account:

• LifeStage Investment Management Service is an investment tool that selects amix of General Board funds for your retirement account(s) based on your age,risk tolerance and other factors. This service is available at no cost to you.

• Ernst & Young Financial Planning Services may be available to assist you withfinancial planning and investment needs.

For more information about LifeStage and Ernst & Young Financial PlanningServices, please visit www.gbophb.org/retirement/serv_prog.asp.

* Reduced for less than full-time appointments. Clergy reported as being appointed less than one-quarter-time,will not receive defined benefit credited service. For periods of service as a bishop, final compensation substitutesfor DAC.


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UNITED METHODIST PERSONAL INVESTMENT PLAN (UMPIP)

ELIGIBILITY

All appointed clergy may participate in UMPIP The salary-paying unit must be on record with the GBOPHB as a Plan

Sponsor Participation in UMPIP is not required

ENROLLMENT

Eligible clergy will be provided a “Before Tax or After Tax Contribution Agreement Form.” Enrollment effective date, terms and amount of contribution should be recorded and the form signed by the pastor and treasurer or other church representative. Pastor may contribute a percentage of compensation or a flat dollar amount.

Agreement must be in place prior to the withholding of contributions. One copy should be retained by the pastor, and the original should be on file with the church.

Send a copy of the aforementioned Agreement Form to the Benefits Officer and the information will then be submitted on-line to the General Board.

Federal law now requires that withheld contributions be made promptly, so the GBOPHB is strongly recommending that these contributions be deposited within 15 business days following the end of the month in which the contributions were withheld. Late contributions are subject to the additional payment of investment earnings by the salary-paying unit.

Re-enrollment must occur when a pastor changes appointment; a new agreement form must be filed, as described above.

CONTRIBUTIONS

Made through Before-tax contributions Made through After-tax contributions Transfers or rollovers from other 403(b) plans Billings will come from the GBOPHB on a monthly basis and must be paid to

them on a church check If participating, minimum monthly contributions are $10; maximum

contributions are regulated by IRS codes Changes to the contribution amounts should be handled in the same manner

as enrollments


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INVESTMENTS AND ELECTIONS

Upon initial enrollment, UMPIP election kits are mailed to participants by the GBOPHB, which will ask you to make choices related to the investment accounts into which you wish to deposit funds

There are seven investment funds to which you can contribute; information on each will be provided in the election kit or online at www.gbophb.org.

BENEFITS

Distribution options are offered to you or your beneficiary: If you reach age 59-1/2 or retire If you terminate your employment If you become disabled If you die before you retire

Hardship Loans are available if you have certain major financial needs; you will pay your account back with interest.

Hardship Withdrawals are available when you have exhausted other financial resources; this is a taxable distribution

At-a-Glance

United MethodistPersonal Investment Plan

The United Methodist PersonalInvestment Plan (UMPIP) isan Internal Revenue Codesection 403(b)(9) retirement planadministered by the GeneralBoard of Pension and HealthBenefits of The United MethodistChurch (General Board)—thelargest denominational pensionfund in the world. UMPIP isdesigned to provide one pieceof your overall retirementportfolio.

Ernst &Young Financial PlanningServices offers valuable investingand financial planning guidance.Thisprogram is available at no chargethis year to:• active participants with an accountbalance,

• surviving spouses with an accountbalance, and

• retired and terminated participantswith an account balance of at least$10,000.

If you are eligible for this uniqueprogram, just call Ernst &Youngdirectly at 1-800-360-2539 between9:00 a.m. and 8:00 p.m., Eastern time,Monday through Friday.


You are eligible immediately to participate if your employer sponsorsthe plan. Participation for plan sponsor contributions begins once youmeet the eligibility requirements established by your plan sponsor.

Plan Features

• Convenient before-tax and/or after-tax contributions (flat dollaramount or percentage, up to Internal Revenue Code limits)

• Plan sponsor may contribute matching contributions or a percentageof your eligible compensation to your account*

• Accepts eligible rollovers from most retirement plans and IRAs

• Plan sponsor contributions may be subject to a vesting schedule

• Participant directs the investment of both personal and plan sponsorcontributions among various investment fund options

• Access to the LifeStage Investment Management Service at no cost

• Hardship loans and withdrawals

• Age 59½ and rollover account withdrawals

• Distribution available upon termination, disability, retirementor death

• Lump-sum, partial lump-sum or cash installment distribution options

• Required minimum distributions must begin April 1 of the calendaryear following the calendar year you reach age 70½ or the year in whichyou retire, whichever is later

• On-demand and quarterly account statements

• Access to account information through theWeb site (www.gbophb.org)and the Interactive Voice Response (IVR) system

• Representatives available to answer calls from 8:00 a.m. to 6:00 p.m.,Central time, Monday through Friday

* Contribution rates may vary from employer to employer

UMPIP At-a-Glance/UMPIP/3272/051310


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COMPREHENSIVE PROTECTION PLAN (CPP) ELIGIBILITY

The conditions on the chart reflect the automatic eligibility provided by the Plan Document as well as Special Arrangements approved by the UNY Conference Board of Pension & Health Benefits.

FT at LC or Conf. Staff

3/4 Time

1/2 Time

1/4 Time

Sabbati-cal or Family Leave

Attend School

Other Volun-tary Leaves

Below 60% of DAC

Full Members

Y

Y Opt. Opt. Y.

(1 yr.)

Opt.

Opt.

N

Associate Members

Y

Y Opt. Opt. Y.

(1 yr.)

Opt.

Opt.

N

Provisional Members

Y

Y Opt. Opt. Y

(1 yr.)

Opt.

Opt.

N

Local Pastors

Y

N N N N N

N

N

Other Denomination

Y

Y N N N N

N

N

Part time and student local pastors are not eligible for CPP ENROLLMENT

Upon eligibility, clergy will be enrolled by the Benefits Officer provided that the pension enrollment process is complete

THE PLAN

CPP provides death and disability benefits for its participants. Disability:

If granted incapacity leave and enrolled in CPP, the benefit is equal to 70% of compensation at the time of disability, less any SS benefits

CPP will make contributions to your pension account while disabled There is a waiting period and a pre-existing condition clause

Death Benefit: $50,000 for actives, 20% of DAC for spouses of active clergy

DIRECT BILLINGS

3% of Compensation Base will be billed to churches with eligible enrolled clergy. This will be included on the monthly benefits invoice.

At-a-Glance

Comprehensive Protection Plan

The Comprehensive ProtectionPlan (CPP) provides death, long-term disability and other survivorbenefits for you and your family.The plan is administered by theGeneral Board of Pension andHealth Benefits of The UnitedMethodist Church.


Generally, you are eligible to participate in CPP if your conference orsalary-paying unit sponsors the plan and you satisfy the eligibilityrequirements which include full-time episcopal appointment and plancompensation equal to or greater than 60% of the DenominationalAverage Compensation or the Conference Average Compensation,whichever is less. There may be special arrangements for other individuals.Other eligibility rules may apply.

Plan Features

• Benefits are payable upon the death of an active or retired participant,his or her spouse or surviving spouse, and his or her children under age of 19. Benefits also may be payable for a child over the age of 19 if the child was disabled prior to age 19, or if the child was receiving a survivingchild educational benefit.

• Supplemental benefits for surviving spouses may be available upon the death of an active participant.

• Educational benefits for surviving children may be available upon the death of an active or retired participant.

• Comprehensive disability benefits include:

• monthly benefit payments,

• annual increases,

• continued retirement contributions,

• rehabilitation and vocational services, and

• assistance with application for Social Security disability benefits.

• For additional information, please review the CPP summary plan description.

CPP At a Glance/3092/102406

NB: The 2013 Schedule of Benefits has not been released by the General Board of Pension & Health Benefits. The following reflects the UNY Benefits Officer’s interpretation of the scheduled changes due to General Conference legislation. 2013 Benefits Amounts for the Comprehensive Protection Plan The 2013 Denominational Average Compensation (DAC) is $63,867.

The following information generally describes the benefit amounts payable under the terms and conditions of the Comprehensive Protection Plan (CPP) to eligible participants and their beneficiaries. For more information about the terms of CPP, please see the CPP Summary Plan Description available at www.gbophb.org/TheWell/Root/CPP/3097.pdf. Although all efforts have been made to ensure the accuracy of this document, in the event of a discrepancy between this document and the CPP Plan Document, the plan document always governs.

Active Participant Death Benefits—Payable upon the death of an eligible active participant in 2013:

$50,000 payable in 12 monthly installments or one lump sum Annual surviving spouse annuity benefit of $12,773.40 (20% of the DAC), less the annuity benefit payable from the

Clergy Retirement Security Program (CRSP) and other Church-related sources Annual surviving child benefit of $6,386.70 (10% of the DAC) payable in 12 monthly installments1

Annual surviving child educational benefit of up to $12,773.40 (20% of the DAC) payable in equal installments2

Retired Participant Death Benefits—Payable upon the death of a retired participant who:

Retired prior to 1/1/2013: Retired on or after 1/1/2013:

30% of DAC $20,000 Annual surviving child benefit of $8,000.00 payable in 12 monthly installments1

Annual surviving child educational benefit of up to $12,773.40 (20% of the DAC) payable in equal installments2

Spouse Death Benefit—Payable upon the death of a spouse of:

An active clergyperson or one who retired prior to 1/1/2013:

Clergyperson who retired on or after 1/1/2013:

20% of DAC $15,000

Surviving Spouse Death Benefit—Payable upon the death of a surviving spouse of a deceased:

clergyperson prior to 1/1/2013 or pre-2013 retiree: Clergyperson who retired on or after 1/1/2013:

15% of DAC $10,000

Child Death Benefit3—Payable upon the death of a child of an active participant in 2013:

$10% of DAC payable in one lump sum Disability Benefits

The disability benefit equals 70% of plan compensation for the plan year in which the first payment is effective, with plan compensation capped at 200% of the DAC. The disability benefit is reduced by any disability benefits payable under the Social Security Act4.

Eligible participants receiving CPP disability benefits may also receive retirement plan contributions. A contribution equal to 3% of compensation (as defined by CRSP) will be credited, in monthly installments, to the participant’s CRSP defined contribution account.

Notes: 1 Ages 17 and younger. Benefits are paid through the month in which the child attains age 18. 2 Ages 18 through 24 and attending school full-time. Half of the annual benefit may be paid if the child is attending a secondary

school. If the child enters a post-secondary institution of higher learning prior to age 18, the post-secondary educational benefit may become effective at that time.

3 Ages 18 and younger, ages 19 and older if dependent upon the participant or upon the surviving spouse of the participant due to a behavioral or physical disability that existed prior to age 19, or ages 24 and younger and receiving a surviving child benefit

4 Other reductions may apply as determined by the General Board of Pension and Health Benefits.


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EARLY INTERVENTION PROGRAM

This is a resource put in place by the General Board to support participants in the early stages of a physical or emotional condition. ELIGIBILITY Participants enrolled in the Comprehensive Protection Plan (CPP)

THE PLAN District Superintendent recommends using EIP to Clergy when they see key or

significant changes in: Performance of pastoral duties Interactions and personal relationships Leadership and administrative style Personal life

EIP provides a single entry point for short-term condition coaching and case management support

CONTACT Encourage Participants to call EIP at 1-800-985-0242, prompt #2

VOLUNTARY TRANSITION PROGRAM

This program was developed to provide transitional benefits to facilitate a grace-filled exit from ministry. ELIGIBILITY Clergy in full connection for a minimum of five years, enrolled in CPP, and in good

standing Clergy person must surrender credentials

THE PLAN Severance benefit of two weeks of participant’s plan compensation for each full year

of continuous service up to a maximum of six months pay Continuation coverage for health insurance, cost TBD Moving expenses based on retiree moving policy 90 days of outplacement services

CONTACT The Benefits Officer for procedural information. Must be approved by the Bishop,

District Superintendent, and BOM Conference Relations Division.


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GRIEF SUPPORT SERVICES Short-term counseling services and referrals to other available services are offered online and by telephone. Support and referrals are free, confidential and available 24 hours a day, seven days a week. ELIGIBILITY Participants enrolled in the Comprehensive Protection Plan (CPP) and their

dependents THE PLAN Program resource, referral and support services for assistance with:

Depression, anxiety and stress Funeral arrangements Financial and legal issues

Participant pays only for the services used as a result of referrals Director of Ministry Support includes information on this program in

correspondence related to the recent death of a participant or spouse CONTACT Encourage Participants to call 1-800-788-5614, prompt #1 and prompt #1 again

Taking Care of Yourself


You Are Used to Helping OthersMore than anyone, you are aware that a healthy spirit, mind and body contribute to an abundant life.But you are busy reaching out to others and rarely find time for yourself. Because of this and the demandsof your role, it would be natural for you to ignore the signs and symptoms of a potential physicalor emotional health problem.

When Something Is Just Not RightPerhaps you know a pastor or other individual who is usually energetic and eager to promote the Church’smission, but who now lacks focus and is not able to follow through with scheduled activities and commitments.Has the individual’s physical appearance changed significantly? Have the individual’s physical abilitieschanged significantly? Is it difficult for him or her to engage in or sustain meaningful conversations or inter-actions with church members? Does this typically patient person now become easily frustrated? Has he orshe been absent from work for a notable period of time due to a physical or emotional issue?

You may notice these challenges in others, but if you were experiencing them yourself, where wouldyou go for help?

The Early Intervention Program Is Here to HelpThe Early Intervention Program (EIP) provides telephone support and guidance, to help you addresspotentially disabling physical or emotional issues and to minimize their impact on your mission andministry. The EIP is provided at no cost to you. It is available to all participants in the ComprehensiveProtection Plan (CPP) and to those enrolled for disability benefits through the UMLifeOptions LayLong-Term Disability and Life Insurance Plan. Your participation in the EIP is voluntary and is not aprerequisite for making a claim for long-term disability benefits.

Early Intervention Program for CPP and UMLifeOptions Participants

(continued)

EIP for CPP & UMLifeOptions Participants/3567/020209

Taking Care of YourselfEarly Intervention Program for CPP and UMLifeOptions Participants

Support You Can ExpectYour EIP representative will periodically follow up after the initial call to check on the status of your conditionand determine if further guidance or resources are necessary. You will work with the same person—theperson who understands your condition and is dedicated to giving you the help you need.

Telephone support for your initial and follow-up calls can include:

• assessment and evaluation of symptoms;

• information about the most appropriate treatment for the condition;

• personalized support and coaching, including action plans for “stay-at-work” or “return-to-work” interventions;

• collaboration between you and your care provider(s);

• referral to the Employee Assistance Program (EAP), including supports to help you balance work andpersonal issues, emotional health counseling and pastoral consultations; and

• guidance to other health and wellness services.

Make the CallIt is difficult to care for others when you have not taken care of yourself. If you think you are experiencinga physical or emotional issue that is preventing you from being or doing your best, take the first step towardgetting help. Simply call Unum’s confidential, toll-free EIP line at 1-800-985-0242, select 1, then select 1again and a certified EIP case manager will help you.

More than anyone, you are aware that a healthy spirit, mind and body contribute to an abundant life.

Connecting to the ServicesShort-term counseling services and referrals to other available services are offered online and by telephone. (Up to eight free, face-to-face counselingsessions are allowed per occurrence withunlimited support by phone.) When callingin, please reference the General Board’sGrief Support Services and/or The UnitedMethodist Church.

Call Toll-Free: 1-800-788-5614 • Select prompt 1• Select prompt 1 again

Or logon to: www.liveandworkwell.comAccess Code: GBOP

The grief that follows the loss of a loved one can beoverwhelming. The General Board of Pension andHealth Benefits (General Board) can help you withresources and support during this difficult time.

The General Board’s Grief Support Services combinethe features of the Employee Assistance Program(EAP) and the WorkLife Services Benefit Program tohelp you through everyday challenges and more seriousproblems. The services are confidential, free1 andavailable 24 hours a day, seven days a week; they areoffered to participants and surviving spouses for up to12 months from the date of death.

Program resource, referral and support services includeassistance with:

• depression, anxiety and stress,

• funeral arrangements,

• child and elder care concerns,

• financial problems2,

• legal issues3,

• substance abuse,

• relationship issues,

• problems in the workplace, and

• home maintenance problems.

Grief Support Services


1 Support and referrals are free; you pay only for the services used as a result of provided referrals (e.g., childcare, housekeeping services,etc.). There is no cost for initial financial or legal consultations.

2 Financial assistance with budgeting, debt and other financial issues,includes a 60-minute consultation with an accredited financial professional(per issue) at no charge to you, with ongoing services provided at discounted fees.

3 Legal assistance, includes a 30-minute consultation with an attorney(per issue) at no charge to you, with ongoing services provided atdiscounted fees.

Grief Support Services Flier/3609/033108

Strategies to Cope with Grief

Grief is a normal but painful response to the loss of a lovedone—it is a very personal experience. Try to keep in mind there is no “right” or “wrong” way to grieve, but there are helpful strategies that may ease your loss.

Make Time Work for YouWhile grieving you may experience decreased appetite,difficulty sleeping, frequent crying, difficulty concentrating,anger and/or a sense of isolation. These symptoms willpass with time. During the process of grieving, it is important to acknowledge your thoughts, emotions and changes inyour behavior—recognize your feelings and talk about them.

Solitude vs. CommunitySolitude can be an important element of the grieving process. It is, however, important to balance solitude with community. Try to maintain as much of your routine as possible. Keep your usual contacts. You might want to ask friends and family to call you at scheduled times (e.g., once a week; three or sixmonths after your loss; or on an important date that youanticipate may be difficult for you).

Attend to Your Own NeedsIt is important to get the rest and nourishment that you need. While normal sleep and eating habits may take some timeto return, try to eat small meals regularly and sleep at night. Avoid using drugs or alcohol to numb difficult thoughts and feelings.

Ask for Practical SupportMost people want to be helpful, but they may not know what to do or how to reach out to you. Don’t be afraid to ask for help. Ask for assistance with childcare, grocery shopping,housekeeping and other tasks that may seem burdensome—especially in the early stages of your grief.

Avoid Making Life-Changing DecisionsGive yourself some time to adjust to your loss before you make other significant changes in your life (e.g., investing, moving and job decisions should wait).

Maintain HopeGrief is a process. Over time, you will progress through yourgrief. As painful as grief is, it may change you in unpredictable,but meaningful ways. Try to maintain a sense of hope.


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HEALTH CARE PROGRAM The conference-sponsored health care program will be insured by Blue Cross Blue Shield of Illinois in partnership with the General Board of Pension and Health Benefits through a program called HealthFlex. Administrative policies are determined by the Conference Board of Pension and Health Benefits, in compliance with policies set by the General Board. Clergy over age 65, even if active, will be moved to the Medicare supplemental plan administered by AmWINS. ELIGIBILITY

Clergy under full time episcopal appointment to a local church; churches pay blended rate of $11,400 in 2013 for each eligible clergyperson.

Persons must be enrolled for five years immediately preceding retirement in order to have coverage in retirement; or at first eligibility when enrolled less than five years prior to retirement date.

ENROLLMENT

Upon receipt of Notice of Appointment Form, the Benefits Officer determines eligibility and will forward enrollment information, OR

Requests for enrollment can be made by the Pastor to the Conference Office Enrollment must occur when first eligible, or during the month of November

for a January 1 effective date, or when there is a change in status Enrollment form must be completed by the participant and returned to the

Conference Office within 25 days of eligibility

BENEFITS

A Summary of Benefits is provided with the enrollment packet; comprehensive information is available on the HealthFlex/WebMD website

ID card also acts as a prescription card with a three-tier co-payment made at the pharmacy

Pharmacy Plan has a mandatory mail order program for maintenance drugs and strongly encourages the use of generics

DIRECT BILLINGS

Monthly premium of $950 per eligible clergy person billed to church or churches based on their sharing percentage

Invoices are mailed by the conference office to churches monthly, in advance of the coverage period

Individuals pay (by payroll deduction) when enrolled, based on coverage


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RETIREE PREMIUM TO LOCAL CHURCHES

In 2013 the Upper New York Conference will continue to support part of the cost of providing health insurance to its retired clergy through use of reserve funds and participant contributions

The remaining financial support for the cost of retiree health care is billed to all of the local churches in the conference using a proportional method

The cost for 2013 will increase by 7.5% over the 2012 cost to the local churches


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BCBS EPO PLAN OPTION D Benefits payable after $500 deductible per person/ $1,000 per family when Health Quotient completed; otherwise $750 per person / $1,500 per family Plan Feature Participating Provider Benefits Only Primary Care Physician Office Visits Primary care physicians: internists, general practitioners, family practitioners, obstetricians, gynecologists and pediatricians.

$30 co-payment per visit, then plan pays 100%

Therapies: Covered therapies are physical therapy, occupational therapy and speech therapy.

$30 co-payment per visit, then plan pays 100%

Specialist Office Visits

$50 co-payment per visit, then plan pays 100% Allergy injections only, plan pays 100%

Preventive Care Well Child Benefits (Under age 16) Well Adult Benefits (16 and Over) - Office visit Mammograms, pap smears, prostate exam, blood work and colorectal screening for cancer.

Plan pays 100% Plan pays 100% Plan pays 100%

Outpatient Diagnostic Services and Treatment Physician office Hospital, independent lab and x-ray facility

$30 co-payment if PCP, then plan pays 100% $50 co-payment if specialist, then plan pays 100% No charge, plan pays 100%

Outpatient Services/Ambulatory Surgery Includes surgery in the physician’s office.

$500 co-pay per admission then plan pays 100%

Inpatient Hospital Care $750 co-pay per admission then plan pays 100%; Co-payment waived if participant is readmitted within 30 days for same condition

Emergency Care In participating or non-participating physician’s office Hospital emergency room Urgent care, facility or outpatient facility Ambulance (medical emergency)

$30 co-payment if PCP, then plan pays 100% $50 co-payment if specialist, then plan pays 100% $200 co-payment , then plan pays 100% $100 co-payment, then plan pays 100% No charge; plan pays 100%

Maternity Care/Physician Charges

$30 co-payment for first visit to confirm pregnancy, then plan pays 100%

Alternative Therapies: licensed chiropractors, massage therapists, acupuncture and naprapaths. Combined $1,000 year maximum

$30 co-payment, then plan pays 100% $50 co-payment, then plan pays 100%

Hearing Benefit Hearing aids – Every 24 months Exam

50% up to $500 per ear $50 co-payment, then plan pays 100%

This summary highlights some of the features of this benefit plan. The controlling terms and conditions of the benefit plan are contained in the plan documents, policies and the HealthFlex Benefit Booklet (collectively, the “Documents”) maintained by the General Board of Pension and Health Benefits. If there are any conflicts between the information in this summary and the terms of the Documents, the terms of the Documents shall control.


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MEDCO PHARMACY PLAN Plan Feature Participating Pharmacy Benefits Only

Annual Deductible Annual Out-of-Pocket Maximum

None $2,000 per person up to $4,000 per family

Retail Pharmacy Generic

Preferred brand name1

Non-preferred brand name1

Participating pharmacy – retail co-payment: 30-day maximum supply $12

20%; min. $15 up to max. $45 25%; min. $30 up to max. $90

Medco by Mail Service Generic

Preferred brand name1

Non-preferred brand name1

Medco by Mail service co-payment: 90-day maximum supply $20 20%; min. $40 up to max. $120 25%; min. $75 up to max. $225

1 Patient is required to pay the generic co-payment plus the difference in cost between the generic and brand name drug, when the brand name is chosen and a generic is available.

MENTAL HEALTH PROVISIONS & EMPLOYEE ASSISTANCE PROGRAM (FOR HEALTHFLEX ENROLLED PERSONS) Managed Mental Health Network Non‐Network* Employee Assistance Program (EAP)

Eight visits at 100% coverage with pre‐certification N/A

Outpatient

100% after $15 co‐payment Mental Health: 60% coinsurance Chemical Dependency: 60% coinsurance

Inpatient

Mental Health: 100% Chemical Dependency: 100%

Mental Health: 60% after $300 co‐payment per admission Chemical Dependency: 60% up to after $300 co‐payment per admission

Penalties Apply for Non‐Notification

Additional services available through United Behavioral Health, include: Legal Assistance –Financial Services –Adult/Elder Support Services –Child/Parenting Support Services –Life Learning Support Services –Chronic Condition Support Services There is no limit on the use of these services.

VISION BENEFITS PROVIDED BY VSP Network Plan Feature Participating VSP Provider Benefit Annual Exam $20 copayment Prescription Glasses $20 copayment Contacts No copayment; one set annually

ADDITIONAL BENEFITS: MEDICAL REIMBURSEMENT ACCOUNT (Flexible Spending) WEIGHT WATCHERS DISCOUNT OF 50% OFF MULTI‐WEEK PROGRAM FEES


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EMPLOYEE ASSISTANCE PROGRAM (FOR PART TIME CLERGY/SUPPLY AT LOCAL CHURCHES)

The Conference utilizes ESI Employee Assistance Group to provide EAP services to persons serving less than full time in local churches, including lay supply. Services include: Three counseling sessions with licensed counselors, free of charge, per issue per year Counseling and information on child and/or elder care Legal and financial resources

UM LIFE OPTIONS

The Optional Life Insurance Plan provides eligible participants (Clergy on CPP) with the opportunity to purchase life insurance for themselves, their spouse and dependent children. This insurance would be in addition to life insurance coverage the participant receives through CPP.

Participant can select coverage from a number of death benefit options Portable when a participant retires, is terminated, or becomes ineligible Accelerated death benefit in the event of a terminal illness Billed direct to participant by Unum Insurance

FINANCIAL PLANNING SERVICES

Free, professional financial planning services are offered to participants of the General Board of Pension & Health Benefits retirement plans by Ernst & Young (800-360-2539).

Unlimited access to a financial planner in 2013 Planners educated in General Board retirement plans Objective advice on educational expenses, retirement planning, debt

management, home ownership, taxes, estate planning No products are sold by Ernst & Young planners

LONG TERM CARE INSURANCE Long Term Care Insurance is offered through John Hancock to participants of General Board benefit plans and their extended families. Services covered include:

Nursing Home Care Alternative Care facilities such as assisted living and hospice Community based professional care Informal care in your home Group rates billed directly to participant by JH

Obtain more information on the John Hancock website at www.gbophb.jhancock.com. A user name and password are required, and available through a customer service representative at 1-800-222-6905.


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LOCAL CHURCH LAY EMPLOYEE BENEFITS

PENSION

2008 Book of Discipline, Para. 258.2g(12) states that the PPRC shall recommend 100% vested pension benefits of at least 3% of compensation for lay employees who work at least 1040 hours per year

UMPIP is available to local churches for this purpose Local churches can utilize other options Churches can contact the General Board directly, or contact the Benefits

Office for assistance HEALTH CARE

Lay employees working 30 hours per week or more may enroll in HealthFlex Local Church must “sponsor” but it can require anywhere from 0 to 100% of

premium be paid by the employee Premiums are based on the actual premium charged to the Conference by

HealthFlex, not the “blended rate” charged for clergy Plan benefits are the same as the active clergy plan Church representative can contact the Benefits Office for information and to

obtain a Sub-Adoption Agreement