Payment Responsibility

The employer is responsible for paying the entire cost of the Concordia Retirement Plan (CRP) and Concordia Disability and Survivor Plan (CDSP). The employer is also required to pay a minimum of 50% of the Concordia Health Plan (CHP) cost for worker-only coverage.

The worker is expected to pay the cost for dependent health coverage, unless the employer establishes a policy to pay for all or part of the cost for dependent coverage. The employer must be consistent and non-discriminatory for all workers when creating such a policy. If the worker shares the cost for dependent CHP coverage with the employer, the worker’s portion is to be obtained by payroll deduction since an invoice will only be sent to the employer for the total amount due.

The worker is normally responsible for the cost of the Accident Insurance Program (AIP), unless the employer wishes to pay for all or part of the coverage. Payments should be collected from the worker through payroll deductions since contributions will be billed on the employer's billing statement.