Husband and Wife Both LCMS Employed

A husband and wife, who are both employed full-time by the same or different employers participating in the Concordia Plans, must be enrolled separately as workers.

In the Concordia Health Plan, a person who is eligible to be enrolled as a worker cannot be enrolled as a dependent of his/her spouse. This separate enrollment avoids the possible inequity of an employer paying for health coverage for a spouse who is employed by another LCMS employer. Eligible dependent children may be enrolled by either spouse, but not both.

In the Concordia Disability and Survivor Plan and the Concordia Retirement Plan, each spouse is enrolled as a worker AND also enrolled as a dependent of the other spouse. Eligible dependent children are enrolled under both parents. Thus, if a dependent dies, a death benefit would be payable under both parents’ membership.