General Responsibilities

Concordia Plan Services has tools and information to assist church treasurers and business administrators in the proper administration of the Concordia Plans.  These include informational videos, step by step forms, publications, and more.

Keeping Us Informed

In order to keep accurate records and serve you better, please inform Concordia Plan Services if you:
  • Change a worker status such as a new hire, termination, life changes (i.e. marriage, new dependents, divorces) or retirement; or if duties, hours, or salary change for a worker.
  • Have a recent change in Concordia Plan Services officers or church councils.

Major Duties

Package Options

The Concordia Plans are employer-sponsored benefit programs. An employer makes the decision whether to participate in the Plans for its workers. Concordia Plan Services offers packages for employers. In addition, the employer can provide a cafeteria plan to their workers, allowing the deductions for the worker portion of the cost to be paid with pre-tax dollars. 
If an employer participates in the Concordia Retirement Plan (CRP) and the Concordia Disability & Survivor Plan (CDSP), all full-time workers, regardless of age, sex, occupation, or faith, must be enrolled in these two plans.
If an employer participates in the Concordia Health Plan (CHP), all full-time workers, regardless of age, sex, occupation, or faith, must be offered the opportunity to enroll themselves and any eligible dependents.
Providing these benefits for employees will help to ensure their future as well as make their financial burden easier. Concordia Plan Services is proud to offer these comprehensive plans that care for those in the LCMS ministry.
To join the Church’s Plan, contact a Benefit Consultant.

Package Options
for Employers

CHP Elections

Each summer, employers participating in the Concordia Health Plan (CHP) can elect a different plan coverage option for the coming year.

Benefit Consultants and Employer Relations Specialists are available to help employers understand the CHP options, work with your funding strategies, and answer any questions you have to ease the selection process.
All employers can elect to offer one CHP option (known as Employer Choice); based on its number of workers, employers may be eligible to select multiple CHP options (known as Worker Choice).

Exemption Status

Legislative provisions of the Affordable Care Act (ACA) caused us to consider the different types of organizations we serve. Exempt organizations (churches, conventions or associations of churches, and integrated auxiliaries) are exempt from having to provide certain women’s preventive care services not aligned with our Lutheran beliefs, and therefore can elect one of the four non-grandfathered plan options introduced in the 2015 plan year. Non-Exempt organizations (universities, some schools, and RSOs) are not exempt from this mandate, and will be protected by continuing to elect a grandfathered plan option.


Webinars & Tutorials

In order to better serve our customers, Concordia Plan Services will host a series of webinars throughout 2016 designed to help employers and workers of The Lutheran Church—Missouri Synod better understand a variety of topics, such as Employer Elections and maximizing ministry health care dollars. If you have a suggestion for a webinar, please let us know.

For recent webinars check the resources box on the right. 

Upcoming Webinars

No webinars are currently scheduled. Please check the resources box at right for recent recordings.

Vitality Member Education Webinars

Learn how to use Vitality in the way that works best for you! Our member education webinars will teach you everything from how to set goals to how to redeem your Vitality bucks! Have fun, earn points, but most importantly, Be Well so you can Serve Well! 


Tutorials and

CRSP Administration

Concordia Plan Services has partnered with EBSO (formerly SOMI) to collect and consolidate contributions for the CRSP, which will be then forwarded to Fidelity. All employers must complete and return an ACH Funding Authorization Form (in the resources box at right). Contributions must be remitted to the Plan no later than 20 business days following the month in which they were otherwise due to the Member. Failure to remit contributions in a timely manner could result in the Employer being responsible to fund lost earnings to members' accounts. If contributions have been withheld but not remitted to the Plan, please contact our office.

Employers then have three options for remitting CRSP contributions using EBSO:

Use the EBSO Online Service Center, the recommended option for all employers.
  • Create an online account with EBSO according to the instructions. 
  • Begin remitting contributions to the Online Service Center each pay period with a remittance file formatted in exact accordance with the online instructions.

    EBSO Guide
Use the EBSO Automatic Contribution Remittance Form - another preferred method that is a good fit for employers whose workers do not vary their salary deferral amounts, or rarely change them.
  • Complete and submit an Automatic Contribution Remittance Form to have workers' salary deferrals and applicable employer contributions automatically withdrawn each pay period from your organization's checking account.
  • You must communicate any changes to your workers’ contributions to EBSO as they occur. The Automatic Contribution Election Remittance form will remain in place until EBSO is notified otherwise. The receipt of any new form will void and replace any forms currently on file with EBSO, so be sure to include all of your participating workers on any new form.

    Automatic Remittance Form
Sign up for payroll and remittance services with Paychex

If the above remittance options do not appear to be a good fit for your organization, you may use the manual, pay period by pay period remittance method as follows:

  • The Contribution Remittance Form will need to be completed and submitted to EBSO each pay period for all of your workers’ salary deferrals. Please e-mail a CRSP Representative at for the most up-to-date copy of the form (the form is an Excel file).

Other CRSP

Administrative Guidance

For further assistance with your administrative duties, please view our publications (especially the Administrative Guidance information). You can also receive help with Enrollment & Eligibility for your organization, or learn more about Health Care Reform

2017 Concordia Health Plan


Retirement & CRSP Administration


Health Care Reform