Evangelical Congregational Church BENEFIT CORPORATION
2009 Health Insurance Rates - Local Church Contribution

NOTE:   ALL RATES BELOW EFFECTIVE JANUARY 1, 2009
              FIRST PAYMENT USING THESE RATES IS DUE DECEMBER 15, 2008

Aetna Insurance Company
                                                                                     2009                  2009
                                                        2008                   Annual              Monthly
                                                       Rates                    Rates                Rates
   Single                                  5,088.00           5,988.00           499.00
   Employee/Spouse                 11,484.00          12,684.00        1,057.00
   Employee Child/Children           9,480.00          10,680.00          890.00
   Employee & Family                15,048.00          16,548.00        1,379.00

RETIREE Health - Highmark
   Single (Full-time)                    1,440.00            1,512.00           126.00
   Couple (Full-time)                   2,880.00            3,034.00           252.00
   Single (Part-time)                      720.00              756.00             63.00
   Couple (Part-time)                  1,440.00            1,512.00           126.00
NOTE:   Churches served by a full-time retired pastor (& spouse) pay 100% of their health insurance.
              Churches served by a part-time retired pastor (& spouse) pay 50% of their health insurance.

2009 Health Insurance Co-Pay Chart for Pastor's OPTIONAL Contribution

                                                 2009       Annual        Weekly     Bi-weekly    Monthly
                                               Annual    Participant   Payroll       Payroll        Payroll
                                                 Rates       Co-pay    Deduction  Deduction  Deduction

Health Insurance Co-Pay (5%) for Pastors earning less than $35,000 annually:
   Single                              5,988.00     299.40        5.76         11.52         24.95
   Employee/Spouse             12,684.00     634.20       12.20         24.39         52.85
   Employee Child/Children     10,680.00     534.00       10.27         20.54         44.50
   Employee & Family            16,548.00     827.40       15.91         31.82         68.95

Health Insurance Co-pay (7.5%) for Pastors earning $35,001 to $50,000 annually:
   Single                               5,988.00     449.10        8.64         17.27          37.43
   Employee/Spouse              12,684.00     951.30       18.29         36.59         79.28
   Employee Child/Children      10,680.00     801.00       15.40         30.81         66.75
   Employee & Family             16,548.00  1,241.10       23.87         47.73        103.43

Health Insurance Co-pay (10%) for Pastors earning more than $50,001 annually:
   Single                                5,988.00     598.80        11.52       23.03         49.90
   Employee/Spouse               12,684.00   1,268.40       24.39       48.78        105.70
   Employee Child/Children       10,680.00   1,068.00       20.54       41.08          89.00
   Employee & Family              16,548.00   1,654.80       31.82       63.65        137.90