2025 Employer Benefits Election
EMPLOYER BENEFITS ELECTIONS 2025
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 |
|---|---|---|
| TBD |
Concordia University St. Paul Beutow |
TBD |
| TBD |
Memorial Lutheran Church Houston Fellowship Hall (Enter through church office doors.) |
TBD |
| Sept. 17th |
Concordia University Irvine |
TBD |
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 Hall Video
Members of the CPS Executive Team have traveled to multiple locations across the country to host in-person Town Halls to discuss the State of the Plans and answer your questions. While we’ve enjoyed the personal connections through the in-person
meetings, we realize not everyone could attend an event. We’ve recorded a Town Hall event so you can watch at your convenience and hear the messages from our Executive Team.
How to elect your 2025 CHP option(s)
If your ministry is pleased with your 2025 CHP option(s) for medical, dental and vision, no further action is needed — your CHP option(s) will automatically renew for 2025.
If you’re thinking of offering a different or additional CHP option(s) in 2025, contact your Account Manager. His/her contact information is included on your Employer Renewal Notice or find their contact info here.
Member ID cards. To make sure CHP member ID cards are available for your workers in January, your elections must be completed no later than Sept. 13. 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 Nov. 4-15. Again, if CPS does not hear from you by Sept. 13, your 2025 CHP option(s) will automatically renew.
Register for an Employer Election webinar
| BCBS, Cigna & UMR plan options | Kaiser plan options |
|---|---|
| July 31 at 10 a.m. | Aug. 1 at 7 p.m. |
| Aug. 6 at 10 a.m. | Aug. 7 at 4 p.m. |
| Aug. 8 at 1 p.m. |
- CHP overview and important dates.
- Wellness solutions, including Quantum Health and Evernorth Confide.
- Employer Election details.
- Member Open Enrollment timeline.
- Q&A session.