You will notice in the attached documents that this program is available to all BC/Yukon District Credential holders and church staff members who work a minimum of 20 hours a week. You will also notice that this is mandatory for these same pastor/staff members.  There however are reduced packages for members who's spouses are covered elsewhere.  In these cases, it reduces to the basic LTD/Life type coverages, which their spouse's coverage would not cover. Along with all the many extra benefits and average reduced premiums by 4% from GWL, is this one area to think about.  This practice falls under the Canadian "Anti-selection" regulation.  We have been told by many insurance providers that GWL or any other providers who have yet too, will also soon need to mandate the "Anti-selection" regulation.  However, if this may help Boards in this decision time, during these past 10 years many PAOC churches have been very thankful for covering their staff members while others have regretted not.  I by no means want to use any scarred tactics at all, only that the potential is very real.  Some churches that did not have their staff covered and found themselves in a Critical Illness, Long Term Disability or even Death situation, then found themselves through remorse and somewhat guilt collecting/giving Benevolent assistance amounting up to more than what the premiums would have cost in the first place.  Then to find the family after the benevolence funds were used up, without anything to go further.  Covering our staff members in 'the time at hand' may be a temporary adjustment for the church, but has proven to be 'a long-run expression' of thankfulness all the way around not to mention has also provided great Health and Dental assistance every month of their employment.