2025 Employer Benefits Election


Mark your calendars for Employer Elections Sept. 2–13.

Welcome to the go-to destination for information and resources for your 2025 Employer Elections. Bookmark this page as we will update it as additional resources become available.

‘2024 State of the Concordia Plans’

The world is very different today than it was a few years ago. Concordia Plans continuously monitors the factors that impact the Plans and adjusts to help ensure their sustainability and – most importantly – support you so your ministry thrives and your workers live well.

To keep your workers well as they serve today and the Concordia Retirement Plan healthy for when they retire, CPS is making a few modifications in 2025.

  • CRP: The rate for the Traditional Option will increase by 1% of compensation each year for the next three years (2025, 2026 and 2027).
  • CHP: Millions of dollars saved from renegotiated contracts and consolidated health plan options will equate to the average CHP 2025 rate decreasing 3%*.

These changes are to keep your workers well as they serve today and keep the CRP healthy for when they retire.

The “2024 State of the Concordia Plans” report details the “why” behind the changes, the factors impacting the Plans today and how our team is navigating them to sustain our benefits for everyone we serve.

*Rates at ministries vary as they are driven by many factors including location, carrier and changes to the CHP. Your rate will be shared with you via rate renewal letter by mid-July.

Upcoming Town Halls

Members of the CPS Executive Team will be traveling to multiple locations across the country to host in-person Town Halls to discuss the State of the Plans and answer your questions. Please join us!

If you plan to attend a Town Hall, please complete this form to stay informed of any schedule changes

Date Location Time
June 24th
Concordia University Wisconsin
“Friends of Concordia” Room
6 p.m.
June 25th
Concordia University Chicago
Christopher Center 200
6:30 p.m.
June 26th
Concordia University Ann Arbor
Science 102
6 p.m.
July 1st
Concordia University St. Paul
5 p.m.
July 9th
Concordia Seminary, St. Louis
Loeber II Room
6 p.m.
July 11th
Memorial Lutheran Church Houston
6 p.m.
Sept. 17th
Concordia University Irvine

Register to attend a Town Hall →

If you have questions about a Town Hall, please reach out to Sherri Morris.

IMPORTANT: Don’t forget Employer Elections is Sept. 2-13.

town-hallComing Soon - Town Hall Video

Unable to attend in person? We will post a recording of a Town Hall once it is available.


How to elect your 2025 CHP option(s)

Before you choose your benefits, start by reviewing your 2024 Employer Renewal Notice mailed in early August, which includes an overview of your ministry’s 2024 Concordia Plans participation, as well as a comparison of your 2024 and 2025 CHP rates.

Learn all the details of the choices available to your ministry by reviewing overviews of all the 2025 CHP options as well as the dental and vision benefits. Once you have reviewed your options and benefits, you’re prepared to make your 2025 elections.

Keeping current CHP option(s). If your ministry is pleased with your current CHP option(s), no further action is needed — your CHP option(s) will automatically renew for 2025.
Considering new CHP option(s). If you’re thinking of offering a different or additional CHP option(s) in 2025, contact your Account Manager to discuss options. His/her contact information is included on your Employer Renewal Notice.
Making your 2025 CHP elections. With the new CPS Benefits Administration System and the elimination of the Employer Election Tool, elections are easier than ever. You won’t have the burden of learning a new election tool because your Account Manager will complete any 2025 change(s) for you. If you do not wish to make any changes to your CHP option(s), no action is required.

Member ID cards. To secure CHP member ID cards for your workers in January, all employer elections must be completed no later than Sept. 16. If you want to discuss new CHP options with your Account Manager, please do so as soon as possible to ensure your elections are completed on time for your workers to participate in Member Open Enrollment this November. Again, if CPS does not hear from you by Sept. 16, your current CHP option(s) will automatically renew for 2025.