These plans, which include prescription drug, behavioral health, vision, health advocacy, and more, provide medical coverage until you are eligible for Medicare at age 65.

Three months prior to turning age 65, you should obtain information from Social Security about signing up for Medicare Part A, and three months before your retire, Medicare Part B. One of the requirements for enrolling in a Group Medicare Advantage health plan, if you are eligible, is being enrolled in Medicare Parts A and B.

You may choose to sign up for Part D (prescription drug benefits) as well, or, if you are eligible for and enroll in the Medical Trust's Group Medicare Advantage health plan, you may select the prescription drug benefit offered as part of that plan instead. Click here for information about Medicare eligibility.

• If you are enrolled in a plan through the Medical Trust, make sure you have your member cards for all the benefits offered through the Medicare Supplement Plan.

  Contact the company that issued your ID card for a replacement:

  • Group Medicare Advantage: Sign in or register on the UHC website and click on the "View and Print Member ID Card" link on the home page, or call UnitedHealthcare for assistance
  • Dental: Call Cigna Dental, (800) 244-6224

  You may also contact Client Services at the Medical Trust at (800) 480-9967.

If you were an Active participant in the Clergy Pension Plan immediately prior to your retirement, your beneficiary(ies) will receive a life insurance benefit equal to six times your Highest Average Compensation, up to a maximum of $50,000.

For information about designating a beneficiary or the default beneficiary provisions that apply under the Life Insurance Plan, see Life Insurance Benefit.

There are also additional restrictions on a cleric’s ability to work for the same church from which he/she retired. In addition, you will not be eligible for the Group Medicare Advantage health plan or the Post-Retirement Health Subsidy if you are eligible for active health coverage from your employer.

• If you work in the Church during retirement, you will be subject to the Working After Retirement rules of the Clergy Pension Plan. 
• Clergy who work after retirement (regardless of whether their retirement benefit is suspended) and are otherwise eligible for active medical coverage will not be eligible to participate in the Group Medicare Advantage health plan offered by the Medical Trust. This would mean that the cleric would no longer be eligible for the CPF Post-Retirement Health Subsidy for so long as the cleric continues to be eligible for active medical coverage. For more information, see A Guide to Clergy Benefits. However, the retired cleric is free to reject employer coverage and retain Medicare alone or purchase a non-Medical Trust Medicare Supplement or Medicare Advantage Plan.
• This is complicated and, should you anticipate finding yourself in this situation, we encourage you to discuss it with your diocesan administrator and the Medical Trust.

We strongly suggest that you review the Working After Retirement rules and the Medicare laws with your diocesan administrator before working after retirement. To visit the Medicare website, click here.

Clergy Pension Plan.

The Clergy Pension Plan is provided to: eligible Episcopal clergy serving in a domestic diocese of the Episcopal Church; their eligible surviving spouses or other named beneficiaries; and their eligible children. The plan is designed to offer a dependable source of income replacement in retirement.

This is a defined benefit pension plan, which provides a benefit based on a predefined formula that takes into account your years of service with the Episcopal Church and compensation history. Benefits are funded by employer contributions called Assessments (although there are certain limited circumstances when you may contribute yourself).

If you participate in the Clergy Pension Plan, you, your eligible spouse, eligible children, or other eligible designated beneficiaries may also receive benefits provided by CPF under the following related plans:

• Post-Retirement Health Subsidy
• Short-Term Disability Plan
• Long-Term Disability Plan
• Life Insurance Plan
• Child Benefit Plan

See A Guide to Clergy Benefits for more information (also available in Español).

Group Life Insurance.

CPF makes a life insurance benefit available under the Life Insurance Plan to eligible retired clergy.

If you were an Active participant in the Clergy Pension Plan immediately prior to your retirement, your beneficiary(ies) will receive a life insurance benefit equal to six times your Highest Average Compensation, up to a maximum of $50,000.

For information about designating a beneficiary or the default beneficiary provisions that apply under the Life Insurance Plan, see Life Insurance Benefit.

Group Medicare Advantage. Eligible retirees and their eligible spouses can purchase a Group Medicare Advantage health plan to supplement the coverage available through Medicare. CPF provides a subsidy for eligible retired clergy and their eligible spouses toward the cost of these plans.

Dental Plans. The Medical Trust offers three dental plans that you can purchase to provide you and your spouse with important dental benefits during retirement.

We strongly suggest that you review the Working After Retirement rules and the Medicare laws with your diocesan administrator before working after retirement. To visit the Medicare website, click here.

Additional Benefits In addition to Group Medicare Advantage benefits, CPG provides several other benefits to eligible retirees at no additional cost.

• Vision benefits through EyeMed
• Employee Assistance Program through Cigna to help you and your family address emotional, physical, family, and legal issues by providing immediate help, resources, and referrals, as well as telephone consultations and face-to-face counseling
• Health Advocate to help you navigate through the complexities of the healthcare system, answer questions about your medical care, and help you find a doctor or resolve a claim

Find out more about your healthcare benefits.

• Chaplains to the Retired. The Diocesan Chaplains to the Retired program provides a support system for retired clergy. Most dioceses have appointed chaplains who are dedicated to providing retirees, their spouses, and dependents with support during retirement. Through gatherings, conferences, and individual contact, the chaplains encourage retirees to stay connected to the Church, their vocation, and they offer diocesan conferences to promote a happy, health, and rewarding retirement.