Insurance Update
November 2013
Issue No. 40         
In this issue
The Great American Smokeout
Quit for your loved ones: Secondhand smoke is hazardous for their health
Get in the game: Open Enrollment for 2014 ends on Nov. 30
Long-Term Care Insurance
The Great American Smokeout

Here is a guide to help employees at your workplace quit smoking and a guide to explain the history of The Great American Smokeout. 







About Us 

Insurance logo 

 A not-for-profit ministry of
Church of the Brethren Benefit Trust Inc.

Church of the Brethren Insurance Services provides ancillary coverage for ministers and other employees of congregations, districts, and camps.
Medical and ancillary plans are available to Brethren-affiliated employer groups.
Long-Term Care Insurance is available for all members of the Church of the Brethren, their family and friends, and employees of Church of the Brethren-affiliated agencies, organizations, colleges, and retirement communities.  
Contact Us 
1505 Dundee Ave., Elgin, IL 60120



We say "thank you" all the time -- to our colleagues at work, to the cashier at the grocery store, to our friends and loved ones -- but November is the time to really focus on the meaning of the word "thankfulness." Take some time this month to ponder the gifts you've been given, and be sure to thank those who fulfill you. We're certainly very thankful to each of you for being part of our Brethren Insurances Family!


If there's smoke, there's fire: Nov. 21 is The Great American Smokeout, a day that's helped Americans quit using tobacco since the 1970s. If you're a smoker, consider firing tobacco from your life. The perils of smoking are immense, both for your body and the bodies of your loved ones; there's an article below that reveals the dangers of secondhand smoke. If you're interested in helping employees at your workplace quit, use the guide to the left to set up a smokeless workplace. And if you're curious about the history of The Great American Smokeout, click on that guide to the left.


November marks a great month to get in the game with Brethren Insurance Services: It's Open Enrollment time! If you're a medical plan member, your human resources coordinator will assist you in enrolling for coverage beginning Jan. 1, 2014. Otherwise, scroll down and review the four products we have available to Brethren employees who work 20 hours a week or more during Open Enrollment.


Finally, November is National Alzheimer's Disease Awareness Month. What will you do if you contract this devastating illness? Watch a video below to learn the basics and see whether Long-Term Care Insurance is something that can help you pay for the potential cost of care for this disease.


Happy Thanksgiving,


SignaturesScott, Tammy, and Connie 


smokingQuit for your loved ones: Secondhand smoke is hazardous for their health

You likely know that smoking is dangerous for your health and can cause many diseases and serious health conditions. It's also likely that you know how your habit puts your loved ones at risk, too. But do you know how serious secondhand smoke really is?


Secondhand smoke
Secondhand smoke has two forms: the smoke that is exhaled by a smoker and the smoke from a burning cigarette, cigar, or pipe. Anyone breathing in any type of smoke is taking in the same dangerous chemicals and toxins as the person who is smoking.


Do you smoke in your home, in your car, or at work? If so, you are endangering your friends, co-workers, pets, and family members.


Health risks
Secondhand smoke can cause a variety of health conditions and diseases, including --

  • Heart disease
  • Lung cancer
  • Asthma
  • Emphysema  
  • Middle ear infections in children
  • Chest discomfort, coughing, and trouble breathing
  • Pneumonia and bronchitis, especially in children
  • Sudden infant death syndrome

Surgeon General report   

The U.S. Surgeon General conducted a report in 2010 on the effects of secondhand smoke. Here are some of the key findings --

  • Secondhand smoke causes premature death and disease in children and adults who do not smoke.
  • Children exposed to secondhand smoke are at an increased risk for many respiratory conditions and ear problems.
  • There is no safe exposure level to secondhand smoke.
  • Secondhand smoke immediately affects heart and blood circulation in a harmful way.
  • Despite the increasing limitations on smoking in public places, millions are still exposed to secondhand smoke in their homes and workplaces.
  • The only way to prevent secondhand smoke exposure is to prohibit all smoking in that building. Walls and ventilation systems do not prevent secondhand smoke exposure for nonsmokers.

Why quit?

If you're looking for motivation to quit for good, do it for your loved ones. You can improve and protect their health along with your own.


OEGet in the game: Open Enrollment for 2014 ends on Nov. 30


Have you completed your forms for Open Enrollment yet? Register for dental, vision, supplemental life, and short-term disability by visiting Brethren Insurance Services' Open Enrollment page here and completing the necessary forms. Questions? Connie Sandman, member services representative, can help: Contact her at 800-746-1505, ext. 366, or


This year's Open Enrollment options include --


Dental: Choose from one of three dental plan options for you or your family. These plans can cover checkups and other preventive services, as well as fillings, oral surgery, and orthodontia. This coverage is offered in partnership with Delta Dental of Illinois.


Vision: Three plan options are available to you and your family through EyeMed Vision Care. These plans offer various levels of coverage for eye exams, lenses, and frames.


Supplemental Life: This insurance is available to members who already have Life insurance coverage through Brethren Insurance Services. This age-rated product is available for up to $10,000 of additional insurance for those who have not yet reached their maximum Life insurance benefit amount.


Short-Term Disability: This product covers most of the gap between the onset of disability and the start of Long-Term Disability coverage. This plan will pay up to 60 percent of your salary -- up to $1,250 per week.
 LTCILong-Term Care Insurance

Long-term care is expensive -- you know that. But so is Alzheimer's, the sixth leading cause of death in the U.S. The average per-person Medicare costs for those with Alzheimer's and other dementia-causing illnesses are three times higher than for those without these conditions. Can you afford that?


If you can't, let Brethren Insurance Services help you. We offer Long-Term Care Insurance for all members of the Church of the Brethren, their family and friends, and employees of Church of the Brethren-affiliated agencies, organizations, colleges, and retirement communities.   


If you are interested in obtaining this coverage, contact Brethren Insurance Services at or 800-746-1505 for a free, no-obligation proposal or click here to request more information