Benefit Plans

"Pension and Insurance Benefit Plan" through the Canadian Council of Christian Charities (CCCC) continues to provide excellent health coverage and retirement benefits. CCCC works hard on our behalf to provide quality service and competitive rates. Please read the following information for more detail on what is available to BGC Canada churches and their employees.

Pension Plan

Employer Information

GENERAL INFORMATION:

While BGC Canada is the plan agent, the Pension Plan is administered by the Canadian Council of Christian Charities (CCCC) through Great West Life Group Retirement Services(GRS). This means that your church will deal directly with BGCC for all correspondence, including enrolment, applications and billing, and BGC Canada will keep record of your information and forward your requests to the appropriate administrator.

 

ENROL AS A PARTICIPATING EMPLOYER IN THE PLAN:

Any church that is a part of the BGC Canada association of churches may enrol in the plan. A church wishing to enrol as an employer in the pension plan will need to fill out two copies of the Employer Application Form for Pension and one copy of the Waiting Period Form.

On the application form, please note:
– That the participating employer should be, “BGC Canada & [Church Name]”
– The Member Contribution Rate is 0% and the Participating Employer Contribution Rate is 100%. This does not mean that the employee cannot make contributions in addition to the employer, but that the employer must contribute 100% of the contribution percentages set by the CCCC. — In total three signatures are needed on the top portion of page three.

Upon completion, please mail two original, signed copies of the Employer Application and one Waiting period form to BGC Canada.  These forms can be found on the Forms page in the Pension Plan section of the website. 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 BGC churches enrolled in the Pension Plan, churches may sign up for pre-authorized, automatic, monthly withdrawals as a preferred method of payment. This may be done at the time of employer application or at any time while enrolled by filling out the Pre-Authorized Chequing Agreement Form for Pension. Billing and payment is administered directly by BGC Canada.

Member Enrollment

ELIGIBILITY:

Permanent, full-time employees are eligible on their first day of employment or as specified in the employer’s employment policy according to the Waiting Period Form filled out at time of application (ie. A three month waiting period may be in place).

Part-time employees may join the Plan on the first day of the month coincident with or next following the lesser of:

  1. Having earned at least 35% of the Year’s Maximum Pension Earnings (YMPE), which in 2010 would be $16,520; Or
  2. Having completed 700 hours with the employer

in each of two consecutive calendar years immediately prior to membership in the Plan.

It is legally mandatory that all eligible employees are offered the plan, with the option to sign a waiver form if they do not wish to enroll.

CONTRIBUTIONS:

The employer’s contribution is set by the CCCC as follows*:

  • Under 39 years old: 5%
  • 40 – 49 years old: 6%
  • 50 – 59 years old: 7%
  • 60 – 64 years old: 8%
  • 65 years old & over: 8.5%

*These percentages are based on “EARNINGS”, which includes salary, wages, and other remuneration for services as determined by the employer under normal practices and may include prescribed compensation as described and permitted by the Income Tax Act and Regulations. In most cases “EARNINGS” will mean Salary plus Housing.

The pension must be paid by The Church and not deducted from the pastor’s salary. Additional Voluntary Contributions by the employee can be made, as allowed by the Income Tax Act.

ENROLLMENT:

All Eligible employees in a church that is a Participating Employer in the Plan must either be enrolled as a member of the Plan or sign a Waiver Form if they do not wish to enroll. A member enrolling in the plan will need to fill out the Employee Application Form for Pension.

On the application form, please note:

  • That all fields in section one and two should be complete (with the exception of “identification/employee number”).
  • “Date joined plan” can be any date after the 90 day probationary period (if applicable) that falls on a day that the employee is paid during the month when payments are started.
  • It is necessary that we also receive record of the applicant’s yearly salary as it is needed for billing purposes. This is not asked for on the form, so please remember to make note of it with your application.
  • To ensure that the application processes quickly, section six should also be completed. The default allocation and most common choice is BALJF, which can be changed online at any time after enrollment. If the applicant chooses the default, he/she can write either “100%” (which will allocate funds to BALJF regardless of any future changes it what investment is default) or “Default” (which will allocate funds to only the default investment even if it changes in the future). Although BALJF is the most common investment, it has in the past not been the more rewarding therefore it may be wise to choose alternate allocations.

    Once completed, 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 GRS for approval. The applicant should receive a confirmation package in the mail within a few weeks.

For Current Members

ALLOCATION:

Allocation of investments can be made:

  1. On the member’s enrolment form at time of application,
  2. Using an Investment Change Form, or
  3. Online at GRS Access

    If the member wishes to allocate his or her funds based on returns, the 2012 results for each investment are available on the Forms page in the Pension Plan section. Without detailing rates of return, the following is a brief description of available investments:

    NAME DESCRIPTION RISK/RETURN
    Fixed Income Income bearing investments Lower risk, Lower to medium return
    Balanced Diversified mix of investment vehicles Medium growth potential, Medium risk
    Canadian Equity Predominantly stocks of Canadian companies Medium to higher growth potential, Medium to higher risk
    Money Market Short term and/or interest-bearing investments Lower risk, Lower return
    Ethics Industry or sector specific holdings Varying risk, Varying return
    American Equity Predominantly stocks of non-Canadian companies  
    Socially RESP Blnced Diversified mix of investment vehicles Medium growth potential, Medium risk
    International Equity   Higher risk, Higher return

     

    RETIREMENT:

    A member’s retirement date is the first day of the month coincident with or the next following the attainment of age 65. Early retirement can be taken any time after age 55. With the employer’s consent, retirement may be postponed up to age 69.

    The employer and employee contributions accumulate at the fund rate of interest until retirement. The accumulated value is converted to a pension based on annuity rates at that time.

    TERMINATION OF EMPLOYMENT:

    Upon termination of employment for reasons other than retirement or death, prior to normal retirement date and prior to completion of two years of membership in the Plan (five years of continuous service in New Brunswick), you are eligible to receive your Member’s Total Account on a non-locked in basis. You can take your account in cash or transfer it to another registered vehicle (RRSP or pension plan). All amounts taken as cash are considered taxable income.

    Upon termination of employment for reasons other than retirement or death prior to normal retirement date and after completing two years of membership in the plan(five years of continuous service in New Brunswick), both your employee and employer contributions plus growth are locked-in to provide a pension to commence at retirement.

    ADMINISTRATION:

    The Pension Plan is the responsibility of a board of trustees with the CCCC. The contributions to the Plan are deposited in the “CCCC Pension Fund” and are managed by an investment manager, which currently is Great West Life Group Retirement Services.

Forms

Employer Application Form for Pension

If you are a church wishing to enrol as an employer in the pension plan, you will need to fill out two copies of the Employer Application Form and one copy of the Waiting Period Form.  If desired, a Pre-Authorized Chequing Agreement Form can also be filled out.  Please see the Pension Plan section under “Help for Pastors” for more information and application instructions.  Upon completion, please mail two original, signed copies of the Employer Application and one Waiting period form to BGC Canada.

Pension Application Employer
 

Employee Application Form for Pension

If your church wishes to enroll an additional employee as a member in the pension plan program, the Employee Application Form will need to be filled out. Please see the Pension Plan section under “Help for Pastors” for more information, eligibility requirements, and application instructions.  Upon completion, please mail the original signed copies to BGC Canada.

Pension Application Employee
 

Pre-Authorized Chequing Agreement Form for Pension

As an option to BGC churches enrolled in the Pension Plan, churches may sign up for pre-authorized, automatic, monthly withdrawals as a preferred method of payment.  Upon completion, please mail to BGC Canada.

PreAuthorized Chequing Agreement
 

Waiting Period Form

This form is to be filled out with every new employer application.  It is used to determine if the employer would like to establish a three-month waiting period after an employee is hired before he or she can be enrolled in the plan.  Upon completion, please mail to BGC Canada.

Waiting Period Form 
 

Summary of Investments 2012

This document is available to help you make an informed decision as to where to allocate your investments.  If you are applying as a new member of the pension plan, the allocations can be made in section six of the employee application form.  If you are already enrolled, you may change your allocations anytime online at www.greatwestlife.com.

Pension Investment Results 2012

 

Pension Investment Change Form

This form can be filled out if a current member in the plan wishes to changes his or her fund allocations. Upon completion, please mail original to BGC Canada.

Investment Change Form
 

Pension Notice of Termination

To be used when an enrolled employee no longer maintains employment with his or her church.  Upon completion, please mail to BGC Canada.

Pension Notice Of Termination
 

Pension Waiver Form

This form must be filled out if an elligible employee decides not to participate in the CCCC Employee’s Pension Plan.  Upon completion, please mail to BGC Canada.

Pension Waiver Form
 
 

Pension Plan Description

The legal document that every church that offers the Pension Plan agrees to adhere to upon signing a Participation Agreement when becoming a Participating Employer in the Plan.
 
Pension Plan 

FAQ’s

FOR EMPLOYERS/CHURCHES:

Is it really a big deal if we enrol only our full-time pastoral staff in the plan?

Actually it is a really big deal if by doing so you end up excluding other eligible employees (ie. Part-time staff, Administrative staff, etc.). Canadian law requires all employees that are eligible to either be enrolled in the plan or sign a Waiver Form, and a legal situation may result if this is not observed.

An employee who was enrolled in the plan has resigned from our church. What should we do now?

A Pension Notice of Termination Form will need to be filled out and submitted to BGC Canada. BGC Canada will make note of the employee termination and billing change and then forward the form to Great West Life.

One of our pastors enrolled in the plan just had a salary change. How does this affect our billing?

If an adjustment in a member’s salary has taken place, please notify the BGC Canada Finance Department. Billing/contributions are based on a percentage of the member’s earnings, so BGCC’s Accounting Department will need to be informed before any changes in billing are reflected.
 

FOR EMPLOYEES/PASTORS/STAFF:

How can I contribute money in addition to the amount that my employer is already contributing?

The simplest way for an employee to contribute extra funds to his or her own investment account is to have the church deduct the desired amount from his or her salary and then contribute those funds in addition to the amount that was already billed to them for the month. If this is your desire, you may contact BGC Canada assistance and/or a more detailed explanation.

I’ve moved. How can I change my address on file?

If you need to change your address, you can do so by emailing the BGCC Office or calling Great West Life directly at 1-800-724-3402.

My church is participating employer in the plan and I am eligible to be enrolled, however I do not wish to be enrolled in the plan. Can I waive my participation?

Yes, if you are eligible yet chose to not be enrolled in the Plan, you must sign a Pension Waiver Form and waive your rights to be enrolled in the plan.

For more Pension FAQs visit www.cccc.org/pension_employees_faqs

Health Insurance

New Applicants

ELIGIBILITY:

An employee is eligible for health insurance coverage if he or she is a resident of Canada under age 70, working as a permanent and full-time employee for at least 20 hours per week (15 hours per week in Saskatchewan) and receiving a salary from a Canadian employer. Employees are eligible on their first day of employment unless otherwise specified in the employer’s employment policy (ie. Having a three month waiting period).

Note that it is mandatory that all employees who meet eligibility requirements be offered the plan. If an employer fails to offer insurance to an eligible employee, the employer will be guilty of anti-selection and face possible legal ramifications.

If an employer wishes to specify eligibility requirements by increasing the minimum number of hours worked per week that defines a full-time employee, they may do so. In this case, the employer must have a written policy in place that relates to the offering of insurance and states the defined criteria for eligibility as a full-time employee.

ENROLMENT:

All Eligible employees in a participating church must be enrolled within 30 days of their full-time start date. It is mandatory that all employees that meet the criteria for being ‘full-time’ are enrolled in the plan. Extended healthcare or dentalcare may be waived provided the insured is covered under his or her spouse. An employee wishing to enrol in the plan will need to fill out the Employee Application Form for Insurance.

On the application, please note:

  • The division number should be filled out with the church’s location number. (If you don’t know your location number, contact the BGC Office).
  • The ID# can be left blank, as this will be assigned to the employee as soon as they are enrolled.
  • The effective date of benefits depends on whether the church has a waiting period of three months for new employees enrolling in the plan.
  • If the church does not offer dental as part of their plan, then dental coverage section can be left blank.
  • Note that coverage can only be refused if the employee receives coverage through his or her spouse.

Once the form is completed, it should be mailed to the BGCC Office. A record will be made in the office, and the application will be forwarded to CanBenefits for approval. The applicant should receive a confirmation package in the mail within a few weeks.

Employer Information

GENERAL INFORMATION:

BGC Canada acts as the head of an umbrella group for the Insurance Plan made available through the Canadian Council of Christian Charities (CCCC), administered by theCanadian Benefit Administrators (CanBenefits) and Green Shield Canada.

Unlike the Pension Plan, your church’s correspondence will be divided between BGC Canada and CanBenefits. For matters concerning finances & billing, please contact CanBenefits directly. For other matters, including employer enrolment & employee applications, please contact BGC Canada.

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.

ENROL AS AN EMPLOYER IN THE PLAN:

Any church that is a part of the BGC Canada association of churches may enrol in the plan. A church wishing to enrol 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.

For Current Members

MAKING A CLAIM:

All extended health claims should be processed through Green Shield Canada. Items such as prescription drugs are usually processed through direct payment by showing your Green Shield Identification Card. Other health claims not processed by direct payment should be submitted to Green Shield by filling out an Insurance Claim Form, available on the Forms page of the Health Insurance section, and mailing along with all original, itemized receipts. Note that all claims must be received by Green Shield no later than 12 months from the dates the eligible benefit was incurred.

The Green Shield Canada website had a lot of helpful information for current members of the plan.  Please visit www.greenshield.ca for more details on how to submit a claim, the forms needed, the descriptions of different benefits, and more.

EAP:

An Employee Assistance Program (EAP) is available as a part of your insurance coverage. The EAP is a confidential support service that can help you solve all kinds of problems and challenges in your life. You and your immediate family members (as defined in your employee benefit plan) can receive support over the phone, in person, online, and through a variety of issue-based health and wellness resources. For each concern you are experiencing, you can receive a series of sessions.

Examples of items your EAP can help you with:

Personal Stress, Depression, Grief & Loss, Relationship Conflict, Parenting, Family Relationships, Legal Advice, Credit & Debt Management, Child & Elder Care Resources, Work-related stress, Addictions, Weight Management, Health Concerns, and more.

For more information on the EAP Program, download the EAP Brochure available in the Documents section of Help for Pastors.

For immediate, confidential help, access your EAP by calling toll-free 1-800-387-4765 24 hours a day, seven days a week. Or access counseling online at www.shepellfgi.com/ecounselling.

Forms

Employer Application Form for Insurance

If you are a church wishing to enrol as an employer in the Insurance plan, you will need to fill out an Employer Application form.  Upon completion, please mail the original, signed copy of the form to the BGC Canada office.

Insurance Application Employer

 

Employee Application Form for Insurance

If your church wishes to enroll an additional employee as a member in the Insurance plan, the Employee Application Form will need to be filled out for the individual. Please refer to the Health Insurance section for more information, eligibility requirements, and application instructions.  Upon completion, please mail the original signed copy to BGC Canada.

Insurance Application Employee

 

Division Rates

This sheet shows what the current Insurance rates are.

Division Rates Sheet

 

General Claim Submission Form

Use this form for Drug and Extended Health Services.  To learn more about submitting a claim please visit the Green Shield Canada website at How to Submit A Claim.

General Claim Submission Form

 

Group Benefit Program Booklet

This document contains more detailed information about the Insurance plan.

Group Benefit Program Booklet

FAQ’s

EMPLOYERS/CHURCHES:

Our church as an employer would like to change the coverage that is offered in our plan.

Your church can make a change in its plan by filling out the Employer Application Form for Insurance and ticking off ‘Amendment’ at the top right of the page and indicating the effective date of the change. Note that once a change has been made to a plan, you will then be locked into that plan for two years. When the form is completed, please mail the original, signed copy to BGC Canada.

Our church cannot afford to enrol every employee working at least 20 hours per week (15 hours per week in Saskatchewan) in the plan. Is there anyway to adjust the eligibility requirements?

If an employer wishes to specify eligibility requirements by increasing the minimum number of hours worked per week that defines a full-time employee, they may do so. In this case, the employer must have a written policy in place that relates to the offering of insurance and states the defined criteria for eligibility as a full-time employee. Note that if this is the case, it will remain mandatory that every employee who is eligible under the newly defined hours-per-week criteria still be enrolled in the plan.

An employee who was enrolled in plan has resigned from our church. What do we do?

You may contact CanBenefits directly to have the employee taken off your billing. Please also notify BGC Canada so that we can make record of the termination.

EMPLOYEES/PASTORS/STAFF:

I am enrolled in the plan with my church, but I would like to add some optional benefits to my plan. Is there anyway I can do this?

There are a few optional benefits available to individual members of the Plan. These include: Optional Life Insurance, Spousal Optional Life Insurance and Voluntary Accidental Death & Dismemberment Insurance. These do not include dental or vision care if they are not already offered in your plan. For more information on adding optional benefits to your plan, please contact BGC Canada.

I am enrolled in the plan but now my spouse has coverage, and I do not need to receive benefits through BGCC any more. Can I opt out of the plan?

You may not opt out of the plan entirely, but you may waive extended healthcare and/or dental care (if applicable) if you are covered by your spouse. If such is the case, you will need to fill out an Employee Application Form for Insurance, noting that it is a change in coverage with effective date. In the section entitled “Requested Coverage”, mark “I decline to participate in” and check off the appropriate boxes. Once the form is complete, please mail the original to BGC Canada to be recorded and forwarded to CanBenefits.

I have just got married or had a baby. How do I change my coverage to include my new family member?

If you have had a baby and would like to add him or her as a dependant, please email the BGCC Office with the following information within 30 days of the life change: The baby’s first and last name only, the baby’s gender, and date of birth.

If you have gotten married and would like to change your name and/or beneficiary, please contact the BGCC Office for an Employee Change Form.

I’ve just received a salary change. How does this reflect my coverage?

When you receive a salary change, you should ensure that your employer has notified CanBenefits of the change. It is important that your employer keep this information updated as the pay out for Life Insurance and Long Term Disability is salary related. Should the need arise for you to collect insurance in one of these areas, the amount paid out would be based on the last salary amount the insurance company has on file, even if your actual salary amount is higher than what is on file.

Please contact the BGCC office if you think you are eligible to join one of these plans or your church is interested in providing coverage for your pastor and family.

EMPLOYERS/CHURCHES:

Our church as an employer would like to change the coverage that is offered in our plan.

Your church can make a change in its plan by filling out the Employer Application Form for Insurance and ticking off ‘Amendment’ at the top right of the page and indicating the effective date of the change. Note that once a change has been made to a plan, you will then be locked into that plan for two years. When the form is completed, please mail the original, signed copy to BGC Canada.

Our church cannot afford to enrol every employee working at least 20 hours per week (15 hours per week in Saskatchewan) in the plan. Is there anyway to adjust the eligibility requirements?

If an employer wishes to specify eligibility requirements by increasing the minimum number of hours worked per week that defines a full-time employee, they may do so. In this case, the employer must have a written policy in place that relates to the offering of insurance and states the defined criteria for eligibility as a full-time employee. Note that if this is the case, it will remain mandatory that every employee who is eligible under the newly defined hours-per-week criteria still be enrolled in the plan.

An employee who was enrolled in plan has resigned from our church. What do we do?

You may contact CanBenefits directly to have the employee taken off your billing. Please also notify BGC Canada so that we can make record of the termination.

EMPLOYEES/PASTORS/STAFF:

I am enrolled in the plan with my church, but I would like to add some optional benefits to my plan. Is there anyway I can do this?

There are a few optional benefits available to individual members of the Plan. These include: Optional Life Insurance, Spousal Optional Life Insurance and Voluntary Accidental Death & Dismemberment Insurance. These do not include dental or vision care if they are not already offered in your plan. For more information on adding optional benefits to your plan, please contact BGC Canada.

I am enrolled in the plan but now my spouse has coverage, and I do not need to receive benefits through BGCC any more. Can I opt out of the plan?

You may not opt out of the plan entirely, but you may waive extended healthcare and/or dental care (if applicable) if you are covered by your spouse. If such is the case, you will need to fill out an Employee Application Form for Insurance, noting that it is a change in coverage with effective date. In the section entitled “Requested Coverage”, mark “I decline to participate in” and check off the appropriate boxes. Once the form is complete, please mail the original to BGC Canada to be recorded and forwarded to CanBenefits.

I have just got married or had a baby. How do I change my coverage to include my new family member?

If you have had a baby and would like to add him or her as a dependant, please email the BGCC Office with the following information within 30 days of the life change: The baby’s first and last name only, the baby’s gender, and date of birth.

If you have gotten married and would like to change your name and/or beneficiary, please contact the BGCC Office for an Employee Change Form.

I’ve just received a salary change. How does this reflect my coverage?

When you receive a salary change, you should ensure that your employer has notified CanBenefits of the change. It is important that your employer keep this information updated as the pay out for Life Insurance and Long Term Disability is salary related. Should the need arise for you to collect insurance in one of these areas, the amount paid out would be based on the last salary amount the insurance company has on file, even if your actual salary amount is higher than what is on file.

Please contact the BGCC office if you think you are eligible to join one of these plans or your church is interested in providing coverage for your pastor and family.

Please contact the BGCC office if you think you are eligible to join one of these plans or your church is interested in providing coverage for your pastor and family.