The North American Division (NAD) provides pre-tax benefits through a Section 125 Cafeteria Plan program. The term Section 125 refers to a section of the Internal Revenue Code. Section 125 programs allow employees to save taxes on money they pay toward their group sponsored health plans. You can read more about Section 125 Cafeteria Plans in the November 2003 issue of Solutions Online.
 
Employees can save on their payroll deductions as the premium is withheld from their pre-tax dollars. Employers can save on reduced payroll taxes for their employees.
 
All regular full time denominational employees are eligible to set aside pre-tax dollars, through payroll deductions, to spend on FSA's (un-reimbursed medical, dependant care), Premium Only Plans and certain AFLAC products.
 
Flexible Spending Accounts (FSAs)
FSA's allow an employee to use pre-tax dollars to pay medical bills not covered by insurance, as well as dependent care expense.

DDC FSA Reimbursement Request
URM FSA Reimbursement Request
FSA Dependent Care Reimbursement Plan
Change of Election Form
Salary Reduction Form
 
Premium Only Plan
The Premium Only Plan allows for your contribution to the health plan to be made with pre-tax dollars.  
 
AFLAC
All AFLAC supplemental coverage, except for disability coverage can be purchased pre-taxed for an additional tax savings.
 
Download the Cafeteria Plan Employee Summary.