Step 1: Review Personal and Dependent Information
Go to your “Me” page. Look it over to make sure all your personal information is correct. If you find something that is inaccurate, use the member profile app to update your information.
When you start selecting your benefits, you’ll notice a monthly cost calculation appearing in the upper right-hand corner of the page. This keeps track of your estimated member cost that will accumulate through the enrollment process. Please note that costs and member contributions vary by LCMS ministry so it is important you ask your employer about any paycheck deductions for your 2019 benefits.
The next step is indicating your “Tobacco Status” – non-smoker or smoker. This information is important for calculating rates should you select Supplemental Life insurance as one of your 2019 benefits.
Step 2: Review Dependent Information
Now you get to review your family page and decide if you need to edit or add any dependents who aren’t already listed.
Once you’ve done all of the above, it’s time to begin selecting your 2019 benefits!
Step 3: Select Your Benefits
The Open Enrollment tool will walk you through the screens of the benefits that are available to you in 2019. Not every member’s election path will be the same. Also, not every step will require you to take action, but you will still get to review it before you continue.
The first screen you will see is the Concordia Retirement Plan – your pension. This option requires no changes and is paid for by your employer. This step exists to let you know that you have a pension available to you as a part of your retirement plan.
Since this is the first step in the enrollment process, notice that you will click “Next” or “Next Step” at the bottom of the page to progress through all of your benefit options.
For those benefits which offer a change option, you may click on “Change,” to progress to the next step.
As your move through the enrollment process and complete steps, you’ll see an orange check mark next to the step reviewed or completed in a list on the left-hand side of your screen.
Concordia Retirement Savings Plan 403(b) Elections
If your employer offers it, you will be able to save in pre-tax or after-tax Roth payroll deductions, or a combination of both.
In both the pre-tax and after-tax Roth options, you’ll be able to elect to save a “Flat Dollar Amount per paycheck” or a “Percentage of your earnings per Paycheck.” If you have already set up contribution amounts for the 403(b) through your employer for 2018, you can elect to continue your Retirement Savings election at your current contribution amount.
Concordia Disability and Survivor Plan
You are not required to take any action on this screen. This step exists to let you know what your coverage is in the event you are unable to work due to an injury or illness and that you are eligible for disability benefits.
Concordia Health Plan
Your first step on this screen is to elect your Medical Plan Option(s) from the option(s) your employer is offering for 2019.
If your employer offers more than one option, you can compare plan options. Check the corresponding boxes and click “Compare Plans” to open a pop-up showing you the detailed comparison of option features. You may need to enable pop-ups on your computer for this to display.
After selecting a plan option, you’ll be asked which dependents you would like include in your healthcare coverage. Click their corresponding checkbox to indicate you want to provide healthcare coverage.
Personal Spending Accounts
You are not required to take any action on this screen. This step is to let you know that flexible spending accounts, health reimbursement accounts and health savings accounts use pre-tax dollars to pay for eligible medical or dependent care expenses. Your employer may offer these options, so contact your HR representative for more information.
Dental and Vision
Dental and Vision plans are included with some plan options, while other plan options are unbundled, meaning you can choose if you want dental and/or vision coverage or not. If dental and vision are not part of your selected medical plan option, you will choose if you want coverage and select covered dependents.
Basic Life coverage is part of the Concordia Disability and Survivor Plan. This benefit is provided by your employer through Securian Financial. The only thing you may be required to do during this step is designate your beneficiaries and their allocations. Also, if applicable, Basic Life coverage may be provided for your spouse and child(ren). This coverage is provided at no additional cost to you.
Accidental Death & Dismemberment Insurance
You can choose coverage for just yourself as the employee or for your entire family. You will then be able to specify the amount of coverage you want for yourself and for you beneficiaries. If you add a beneficiary, be sure you select them as primary or secondary and designate the percentage allocations.
Step 4: Select and Allocate Your Beneficiaries
After you complete your elections, you will be asked to review your beneficiaries and allocations. Here is where you can add new beneficiaries and allocate them to each applicable benefit.
Once you designate them and their allocation for one benefit, you may choose the “Copy” option to duplicate these beneficiary elections to other benefits.
Beneficiaries for your Concordia Retirement Savings Plan 403(b) account, are managed on the Fidelity website. You can access this website through “Quick Links” on your main portal dashboard.
Step 5: Verification
If you need to provide supplemental documentation based on your Supplemental Life Insurance selections, you will be informed at this step.
Step 6: Review Elections
The “Review Elections” page is a comprehensive list of all your elections.
It is important to note that if an employer cost is listed on this page it represents the full cost of the benefit and a member contribution may be required. If a member cost is listed it represents the full cost of the benefit to the individual member with no additional employer contribution. Some member costs may show as $0.00, but may require a member contribution. Member and employer cost responsibilities vary by LCMS ministry, so please check with your employer if you have any questions on any cost responsibility that will impact your 2019 paycheck deductions.
If everything looks correct, click “Save Elections.” This will prompt you to click “Accept” to confirm. This is your final step!
You can click “Edit” if you want to review or change any elections before submitting.
Step 7: Confirmation
The final screen will be a confirmation statement of all your benefit selections. This indicates that your elections have been submitted and the process is complete in the system. You can print your confirmation statement if you wish to have a copy for your personal records, or you may return to your Benefits Management page after Open Enrollment and reprint a copy by clicking on “Benefit History”.
You may return during Open Enrollment to modify your submitted elections up until
11:59 p.m. CST Nov. 1.
- Provide your feedback! Take the survey at the end so we can hear what you think about this new experience!
- Go back to your Member Portal Dashboard and explore it! Your current 2018 benefits are already shown for you, along with many other valuable tools and resources to help you maximize use of all the benefits and programs you have available to you. Your 2019 benefits that you selected will not show on your portal until January 2019, when those benefits go into effect.