Evangelical Congregational Church BENEFIT CORPORATION
2010 Health Insurance Rates - Local Church Contribution

NOTE:   ALL RATES BELOW EFFECTIVE JANUARY 1, 2010
              FIRST PAYMENT USING THESE RATES IS DUE DECEMBER 15, 2009

Aetna Insurance Company
                                                                                     2010                  2010
                                                        2009                   Annual              Monthly
                                                       Rates                    Rates                Rates
   Single                                  5,988.00           6,300.00           525.00
   Employee/Spouse                 12,684.00          13,512.00        1,126.00
   Employee Child/Children         10,680.00          11,256.00           938.00
   Employee & Family                16,548.00          17,544.00        1,462.00

RETIREE Health - Highmark
   Single (Full-time)                    1,512.00           1,668.00            139.00
   Couple (Full-time)                   3,024.00           3,336.00            278.00
   Single (Part-time)                      756.00             834.00              69.50
   Couple (Part-time)                  1,512.00           1,668.00            139.00
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.

2010 Health Insurance Co-Pay Chart for Pastor's OPTIONAL Contribution

                                                 2010       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                              6,300.00     315.00        6.06         12.12         26.25
   Employee/Spouse             13,512.00     675.60       12.99         25.98         56.30
   Employee Child/Children     11,256.00     562.80       10.82         21.65         46.90
   Employee & Family            17,544.00     877.20       16.87         33.74         73.10

Health Insurance Co-pay (7.5%) for Pastors earning $35,001 to $50,000 annually:
   Single                               6,300.00     472.50        9.09         18.17         39.38
   Employee/Spouse              13,512.00  1,013.40       19.49         38.98         84.45
   Employee Child/Children      11,256.00     844.20       16.23         32.47         70.35
   Employee & Family             17,544.00  1,315.80       25.30         50.61        109.65

Health Insurance Co-pay (10%) for Pastors earning more than $50,001 annually:
   Single                                6,300.00     630.00        12.12       24.23         52.50
   Employee/Spouse               13,512.00   1,351.20       25.98       51.97        112.60
   Employee Child/Children       11,256.00   1,125.60       21.65       43.29          93.80
   Employee & Family              17,544.00   1,754.40       33.74       67.48        146.20