Mid-Atlantic Foundation

The Church of the United Brethren in Christ

2012 Health Insurance Program:

For a downloadable copy (pdf) of the 2012 letter from the Executive Director, click here.

For a downloadable copy (MS Word) of the 2012 letter from the Executive Director, click here.

Our insurance programs are open to all those serving in our United Brethren churches.  If you are interested in learning more, please contact me, and we can discuss your individual needs and seek to tailor our program to best fit your situation.  Coverage can be effective at any time during the year for new members. 

The following page has some information about the optional plans and premiums.  If you would desire more details concerning the coverage of the plans, please contact me by email and I can email you the plan documents.

We are also interested in having more United Brethren churches and laypersons support this critical ministry to our churches and pastoral families.  If you or your church would want to partner with us, please phone or contact me.  Your gracious assistance would be deeply appreciated by all those we serve.

I.    2012 Core Health Plans

Option A:  Blue Cross PPO $250 Twin Deductible Value Plan

Ancillary Products:

Ancillary Products Subject to Computation:

                $10,000 Group Term Life and Accidental Death and Dismemberment Insurance   ($4.50 per month)

                Long Term Disability, 60% of total salary and housing, 6 month waiting period.

Option B:   Blue Cross PPO HSA 2000 Q

This is a High Deductible Health Plan with a $2000 individual deductible, or $4,000 family deductible, coupled with a Health Saving Account.  The power of this option is that the difference in the premium in the family coverage is enough to fully fund the HSA.  If medical costs do not reach the level of the $4,000 contribution to the HSA, that money belongs to you and continues to grow tax free.

Ancillary Products on both Options Subject to Computation:

                $10,000 Group Term Life Insurance  ($4.90 per month)

                Long Term Disability, 60% of total salary and housing, 6 month waiting period.

In order to compute the cost of the Long Term Disability premium follow the steps below.

                1.  Add all taxable income (salary, housing,)

                2.  Multiply that total by 60% to determine the maximum annual benefit

                3.  Example:  40,000 total salary  x 60% = 24,000 max benefit /12 = 2,000 = monthly benefit

                4.  Multiply the total of all taxable income by .23 per hundred to determine the annual premium.

                5.  Example:   40,000 x .25 (400 x .25) = 100.00 /12 = 8.33 monthly premium.

II.  Voluntary Coverages Based on Minister/Employee Election.

       These premiums are to be paid on an after tax basis to avoid taxation of the benefits.

      A.    Group Term Life and ADD Insurance in units of $10,000 up to $500,000 maximum.  Spouse and children

               can also be added to this coverage.

        B.    Short Term Disability with a two week waiting period and a 6 month coverage period.

        C.    AFLAC and USAble Company  plans can be pretax except for the life and short term disability.