Employer Information

Advantages

The advantages of going through BGC Canada as an umbrella provider are competitive premiums, broad policy conditions, and flexibility and stability maximized by the purchasing power of large numbers.

 

Mandatory Benefits

The following is a list of the benefits and coverage options that are mandatory to include as a part of your Plan:

Employee Basic Life Insurance: 2 x or 3 x annual earnings, rounded to the next higher multiple of $1,000; $25,000 and $60,000 options are available as well. Benefits reduced by 50% at age 65 and terminated at age 70, or retirement if earlier. For employee groups of 4 or less medical evidence of insurability is required for insurance exceeding $60,000.

Accidental Death & Dismemberment: Equal to Life Insurance benefit, 24 hour coverage. Detailed Information is available.

Dependent Life Insurance: Spouse – $5,000, children – $2,500 per child, Dependent children covered from birth to age 21, or 25 if in full time school attendance. (College or University in Canada or U.S.A.)

Long Term Disability: Benefit – 66 2/3% (taxable paid by the employer) or 60% (non-taxable paid by the employee) of monthly income to a maximum of $6,000. Benefits commence after 17 weeks (119 days) of continuing disability and may be payable to age 65, death or recovery, depending on the individual situation. For employee groups of 4 or less, medical evidence of insurability is required for insurance exceeding $60,000.

Extended Health Care: 100% payment of eligible expenses (no deductible). 80% coinsurance is also available. Eligible expenses include prescription drugs, paramedical expenses, out-of-country emergency hospital and medical coverage on a reasonable & customary basis, eye exams every 2 years, etc.

 

Optional Benefits

The following is a list of the benefits that are optional to include as a part of your Plan. Note: Each church decides on the same optional benefits for ALL their church personnel. Can be applied at anytime, but once a change in coverage is made it will be locked in for two (2) years.

Vision Care: Eligible expenses include charges for eyeglasses or contact lenses to a maximum benefit of $175 OR $250 once every 24 months for adults and once every 12 months for children under 21 years of age.

Dental: Basic Plan – 100% of eligible basic expenses to a calendar year maximum of $1,250 per person; 80% coinsurance is also available. Major Plan – 100% of eligible Basic expenses and 50% of eligible Major Restorative expenses to a calendar year maximum of $1,500 per person; 80% coinsurance is also available. Full Plan – 100% of eligible Basic expenses and 50% of eligible Major Restorative and Orthodontic expenses to a calendar year maximum of $1,750 per person; 80% and 50% coinsurance is also available.

Semi-Private Hospital

Short Term Disability: The benefit is 70% of weekly income to a maximum of $750.

 

Rates

Rates for joining the plan can be calculated per member by using the “Division Rates for [Year]” and “Division Rates Calculation Sheet” spreadsheets available on the Forms page of the Health Insurance section.

 

Enroll as an employer in the plan

Any church that is a part of the BGC Canada association of churches may enroll in the plan. A church wishing to enroll as an employer in the pension plan will need to its financial administrator or treasurer fill out the Employer Application Form for Insurance.

On the application form, please note:

  • That an effective date on the top right hand side of the first page should be included and “New Application” checked off.

  • Life Insurance/Accidental Death & Dismemberment (AD&D), Long Term Disability (LTD), and Extended Health Care are benefits that are mandatory to every employer application.

* Note on Life Insurance & AD&D: With Life Insurance & AD&D – Most churches choose to provide “2x annual earnings”. If this option is chosen, it is important to note that when an employee’s salary changes any time after enrolment the plan administrator must be notified of the salary change in order for the employee’s coverage to accurately reflect his or her new salary.

  • Dental Care, Short Term Disability, Semi-Private Hospital, and Vision Care are benefits that are optional for the employer to provide.

* Note on Short Term Disability: Churches in BGCC usually do not offer coverage as the Canadian government generally provides adequate short term disability for employees in most people’s opinion.

  • Regarding the Employer Premium Contribution, it is required that all churches associated with the Baptist General Conference of Canada pay 100% of the overall monthly premium.

Once the financial administrator or church treasurer has completed the forms, the original copy should be mailed to the BGCC Office. A record will be made in the office, and the application will be forwarded to the CCCC for approval.

 

Pre-authorized payment

As an option to churches enrolled in the Insurance Plan, churches may sign up for automatic monthly withdrawals as a preferred method of payment. If your church is enrolling for the first time as a new employer, please mail the original signed form along with the signed Employer Application Form to BGC Canada. If your church is already enrolled as an employer in the plan, you may fax the completed form to the number at the bottom of the page.