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CHURCH ADMINISTRATOR RESOURCES

EPC Benefit Resources, Inc. (BRI) is operated by the Evangelical Presbyterian Church and is solely dedicated to support pastors and staff of EPC churches throughout the country. The EPC established a benefits program in 1981 to provide ministers within the EPC with hospitalization, disability, and retirement programs. Today our benefit program has grown to include five levels of medical plan options; prescription drug coverage; Dental, Vision, Life, AD&D, and Long-Term Disability insurance; a 403(b)(9) retirement plan designed specifically for employees of non-profit church organizations; as well additional supplemental benefits. These comprehensive benefit programs are available to all full-time church staff. Supplemental or voluntary benefits are available for employees who work 20 or more hours per week.

We have outlined various administrative procedures and responsibilities below. Additional information is available in the EPC Benefits Administrators’ Handbook and throughout the Benefits section of our website.

Use these quicklinks to navigate to the appropriate section of this page:

Benefit Administrator’s Handbook
Benefits Administration Office
Our Partners
Enrollment: Health, Life, and Employee Benefit Plans
Enrollment: Retirement Plans
Enrollment: Voluntary Plans
Employer Requirements for Medicare-Eligible Employees 
Making Changes to Coverage
Updating Personal Information
Terminating Benefits Coverage
Documents and Forms

BENEFITS ADMINISTRATION OFFICE

BRI has a dedicated administrative team located in Pittsburgh, Pennsylvania. You might also know them as CDS. Our Admin Office administers the enrollment, eligibility, and invoicing for:

Medical
Prescription Drug
Dental
Vision
Life and Accidental Death & Dismemberment (AD&D)
Long-Term Disability (LTD)

Contact our Admin Office for any questions or concerns regarding any of the above areas listed.

EPC Administration Office
877-578-8707 (M-F, 8:30 a.m. – 4:30 p.m. EST)
Fax 412-224-4465
epc@cdsadmin.com

OUR PARTNERS

To provide our member churches with the lowest cost and best service for our Benefits program, we contract with different vendors for our Benefit Plans. 

Highmark BCBS

Highmark provides a national network of doctors and hospitals for the EPC Medical Plans, and manages all related claims.

Express Scripts

Express Scripts is our provider for prescription drug benefits, which are bundled with each of the EPC Medical Plans.

Principal

Principal is our provider for the dental benefits, and offers both a Low and High Dental Plan.

EyeMed

We use the EyeMed network to provide our Vision Plan.

The Hartford

The Hartford provides our Life, Accidental Death & Dismemberment (AD&D), and Long-Term Disability (LTD) coverages and manages claims on those insurance policies.

Fidelity Investments

Fidelity Investments is our partner for our 403(b)(9) Retirement Plan.

Colonial Life

Voluntary benefits are administered by Colonial Life Insurance Company, which coordinates enrollment, communication, and invoicing.

Amplifon

Amplifon provides discounted hearing aids through more than 5,000 audiologists throughout the country.

ENROLLMENT: HEALTH BENEFIT PLANS

For churches enrolling for the first time in our health, life, and disability benefits, your church must complete the five forms below. Submit completed forms by mail, fax, or email to:

EPC Administration Office
60 Boulevard of the Allies, 5th Floor, Pittsburgh, PA 15222
Fax 412-224-4465
epc@cdsadmin.com

After the forms are received and processed, the church will be assigned a customer number (keep on file for future reference). You also will receive an email confirmation that your church has been enrolled.

New Church Benefit Enrollment Forms Packet

Click to download all five enrollment forms in PDF format. Individual forms in PDF format are available in the Documents and Forms section below.

THE EPC BENEFITS ONLINE PORTAL

Church administrators can enroll and manage employee benefit coverage options through our EPC Benefits Portal. The EPC Benefits Online Portal is used to enroll and make changes to the plan options for eligible employees enrolled in:

Medical
Dental
Vision
Life/AD&D/Long-Term Disability (Bundled Benefit)

The portal is also used when an employee experiences a Qualifying Life Event and wants to make a change to their benefits. Please note that a completed Medical Plan Enrollment/Change Form available below may be required for first-time enrollees and for specific plan changes. The Benefits office will inform you of any additional requirements.

To request access to the portal, complete and submit the EPC Benefits Online Portal Access Request Form available below.

834 FILE FORMAT

The EPC Benefits Administration Office is able to process enrollment and coverage changes electronically through an 834 file format. This file format allows your church to send enrollment data from your payroll platform directly to our EPC Benefits Online Portal.

Please note that additional documentation may be required for some of the plans. Administrators should contact the EPC Administration Office for more information on the enrollment process or to set up their user credentials for our electronic processes.

EPC Administration Office
60 Boulevard of the Allies, 5th Floor, Pittsburgh, PA 15222
Phone 877-578-8707 (M-F, 8:30 a.m. – 4:30 p.m. EST)
Fax 412-224-4465
epc@cdsadmin.com

For additional Health Plan administration information, refer to the Benefit Administrator’s Handbook or contact the BRI office at 407-930-4492 or benefits@epc.org.

ENROLLMENT: RETIREMENT PLANS

Churches enrolling in a Retirement Plan must submit the 403(b)(9) Adoption Agreement available below. The Adoption Agreement outlines the terms for the retirement plan contributions for the church’s ordained pastors and eligible employees. If the church makes any changes to the terms of its retirement contributions, they must submit a new form.

The EPC terms of call for an ordained pastor states that the church must contribute a minimum contribution to the pastor’s retirement plan equal to 10 percent of salary plus housing allowance.

The 10 percent is a minimum requirement; your church may choose to contribute more if it would like to.

All EPC churches must complete the Adoption Agreement (even if you do not currently have an eligible ordained pastor or employees, or your church participates in a non-EPC retirement plan), because it states that you agree to the terms of the Plan. Submit completed Adoption Agreement to the EPC Benefits Administration Office by mail, fax, or email:

EPC Administration Office
60 Boulevard of the Allies, 5th Floor, Pittsburgh, PA 15222
Fax 412-224-4465
epc@cdsadmin.com

TO ENROLL EMPLOYEES IN THE EPC 403(b)(9) RETIREMENT PLAN

To enroll in the EPC 403(b)(9) retirement plan, EPC-ordained pastors and eligible employees must create an account online and set up their beneficiary information using the directions below.

1. Complete a Fidelity online application at www.netbenefits.com/epc. The EPC Retirement Plan number is 89560. When complete, Fidelity will provide a confirmation page. 
2. Forward the confirmation to the church administrator.
3. The church administrator sends the confirmation page to the BRI Office by mail, fax, or email. 

For additional Retirement Plan administration information, refer to the Benefit Administrator’s Handbook or contact the BRI office at 407-930-4492 or benefits@epc.org.

ENROLLMENT: VOLUNTARY BENEFITS

For voluntary accident, short-term disability, and life insurance benefits, Colonial Life Insurance Company will work with you directly to coordinate enrollment for your church. Please note, if your church decides to offer voluntary benefits to its staff, every eligible employee (those working 20+ hours/week) will need to actively enroll in or decline the coverage.

The process for enrollment will depend on the number of employees your church has.

• Churches with less than 10 employees: Your employees will call the Colonial Life Benefits Call Center to enroll or decline coverage.
• Churches with 10 or more employees: A benefits counselor will come to your church and meet with employees in person to review their options and costs.

Colonial Life will set up a welcome call with you to review the details and will work with your church to establish a payroll system to facilitate the voluntary benefit payments.

Your church can choose to offer voluntary benefits at any time during the year; however, we recommend designating a voluntary benefits enrollment period each year. Some employers have found that they have a more successful voluntary benefits enrollment when it does not coincide with the annual benefits Open Enrollment in the fall, so that employees can better absorb the information and make smart benefits choices.

To learn more or to set up voluntary benefits for your church, contact Melissa Koll at Colonial Life:

Colonial Life
866-873-6584
Melissa.Koll@Coloniallifesales.com

EMPLOYER REQUIREMENTS FOR MEDICARE-ELIGIBLE EMPLOYEES

The Church Administrator needs to complete the appropriate certification form and send to the BRI Admin Office at epc@cdsadmin.com or fax to 412-224-4465. This form must be submitted prior to the employee turning 65 years of age to be fully compliant.

 

Medicare Eligibility Letter

Letter of explanation regarding whether a church or ministry qualifies as a Large or Small employer, and the corresponding requirements for employer-provided coverage to employees who are approaching Medicare eligibility.

Small Employer Certification Form

This form confirms the Small Employer status of the church.

Large Employer Certification Form

This form confirms the Large Employer status of the church.

MAKING CHANGES TO YOUR COVERAGE

This brief video outlines the three situations in which your employees can make changes to their insurance coverage.

Making Changes to Your Coverage Video

If your employees experience a Qualified Life Event, they must notify the EPC Benefits Administration Office and request benefit changes within 30 days of the event. 

EPC Administration Office
60 Boulevard of the Allies, 5th Floor, Pittsburgh, PA 15222
Fax 412-224-4465
epc@cdsadmin.com

UPDATING PERSONAL INFORMATION

To change a Benefits participant’s address or other personal information, have the employee complete the Contact Information Change Form below. Submit completed form by mail, fax, or email to:

EPC Administration Office
60 Boulevard of the Allies, 5th Floor, Pittsburgh, PA 15222
Fax 412-224-4465
epc@cdsadmin.com

For voluntary benefits, contact Colonial Life directly for any contact information changes.

TERMINATING BENEFITS COVERAGE

To terminate an employee from our medical, dental, vision, life, long-term disability, and/or retirement plans, you must complete the Termination Report Form below and submit by mail, fax, or email to:

EPC Administration Office
60 Boulevard of the Allies, 5th Floor, Pittsburgh, PA 15222
Fax 412-224-4465
epc@cdsadmin.com

You must submit the Termination Report Form within 30 days of the termination, or your church will continue to be invoiced for the benefit premiums. Your church will be responsible for the payment of premiums until the Termination Report Form is processed.

TERMINATING VOLUNTARY BENEFITS

You must inform Colonial Life of a termination within 30 days. Terminated employees may choose to continue their Colonial Life coverage at the same premium cost should they terminate employment with your church. The employee will receive information from Colonial Life once you have terminated their coverage.

DOCUMENTS AND FORMS

ALL PLANS

HEALTH PLANS

THE HARTFORD LIFE/DISABILITY INSURANCE

403(b)(9) RETIREMENT PLAN

Information provided in this web site does not constitute legally binding advice. EPC benefits are subject to the provisions of the Medical Plan and Retirement Plan documents available on this web site or in print from EPC Benefit Resources, Inc. (BRI), 5850 T.G. Lee Blvd., Suite 510, Orlando FL 32822. For more information, contact BRI at benefits@epc.org or 407-930-4492 (voice and fax).

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