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Reflect ions • January 2013 | 1
New and At RestEach quarter we publish a list of those who have joined the ranks of retirement
beneficiaries, and those who have passed to their rest. From time to time we are asked to provide the ages of the deceased. We have declined to do this after
considering privacy and identity security issues. We are sometimes also asked to not list an individual. Not all beneficiaries are actually retirees, under some of our policies, and may become unhappy upon receiving congratulations from well-meaning readers of the “New Beneficiaries” list.NewAaby, Anthony A (WA)Adkins, Betty G (FL)Alexander, Susan R (CA)Alger, Vernon L (MI)Allen, Carol M (AL)Allgood, Dean (TX)Ammon, Cheryl L (WA)Anderson, Irene A (IL)Austin, Wayne R (CO)Barnett, S George (FL)Bell, Virginia J (CO)Bermejo, Sandra A (CA)Biswas, Amita R (CA)Boden, John E (FL)Boodsayaskul, Chintana (CA)Bottroff, Stephen M (CA)Bowen, Patricia A (CA)Brandal, Wanda S (FL)Brauer, Craig R (CA)Buck, Peggy J (PA)Burce, Josephine R (FL)Cao, Kurt E (ON)Cardenas, Juan (CA)Carr, Carolyn C (OH)Carroll, Bobby Nelle (TN)Carruthers, Robert J (MA)Chadwick, Noel Wayne (WA)Chandler Jr, Joe S (TN)Chandler, Carol L (GA)Chandler, Cecilia (FL)Chaney, Pamela T (WA)Chenoweth, Patricia A (NC)Christensen, Frederick M (WA)Clayborn, Dawn M (CA)Cline, Cheryl Irene (TN)Coberly, Jack D (OR)Cochran, Bonnie L (TX)Cole, Welma Jean B (CA)Cox, Inez M (KS)Crisp, Linda K (MT)Cummings, Desmond D (FL)Davis, Theopolis S (CA)Diaz, Carmelino A (TX)Dinsmore, Patricia A (OH)Dixon, Barbara E (CA)
Donaldson, Judith A (WA)Doyle, Timothy Martin (OH)Duerksen, Richard E (CA)Elliot, Elita C (VA)Ellstrom, Kenneth A (MN)Emralino, Sabina V (MD)Fallon, Kathleen (MA)Foote, John B (WA)Gibson, Paul G (AZ)Gifford, David L (CA)Guadiz, Lilia P (CA)Hancock, Dianne N (FL)Harding, June Marian (NH)Harland, Linda L (FL)Hayes, Jacquelyn E (CO)Henry, Gloria J (WA)Hernandez, Sergio A (WA)Herold, James P (CO)Hervig, Victor A (CA)Hiltner, Conna L (KS)Hilton, Vicky S (OH)Holder, Leslie C Sr (Bermuda)Hooker, Ellen Lynn (CA)Hopkins, Cheryl A (CA)Hurt, Brenda E (GA)Johnson, Ann M (WA)Johnson, Joan V (CO)Johnson, Raymond Ernest
(OH)Johnson, Ronald B (VA)Johnson, Tonia Marie (CA)Jones, Barbara J (FL)Jones, Clinton H (ID)Juarros, Thomas Larry (OH)Kidwell, Judith L (OH)Kim, Yeong S (MD)Kirstein, William V Jr (MD)Klasing, Donald E (TN)Kneller, Gerald D (ME)Koil, Arjun R (NM)Kontak, Patricia A (MI)Krieg, Diane C (WA)Leach, Berton J (MD)Leach, Deanna L (FL)Lechner, Paula G (FL)
Leong, Chui-Wee (OH)Litteral, Madelin D (OH)Lombardo, Jose J (FL)Loveless, Linda H (CA)Lumanog, Lenita I (CA)Mack, Gail N (CA)Mack, Linda J (CO)Makalous, Susan L (KS)Malcolm, Valita T (MD)Martinez, Benjamin C (CA)Martinez, Peter P (FL)Matsuda, Charlene S (HI)Mattley, Carolyn S (AZ)McClellan, Barbara A (CA)McElmurry, Jean M (CA)McFarlane, Caleb J (MD)McFeeters, Sharon S (CA)McInnis, Marlane M (OR)Mercer, Karen S (AZ)Merrill, Kathleen A (CA)Miller, Donald H (OH)Mills, Patricia J (OH)Mizher, Michael N (TX)Moller, Steffen A (WA)Monat, Paul E Jr (ME)Mottley, Lois (GA)Nelson, Judith R (MI)Nicholaides, Mitchell P (NC)O’Connor, Mark Dana (PA)Paddock, Wanda J (TX)Paea, Virginia M (HI)Paige, Katherine L (UT)Parson, Lethiel C (MA)Pedersen, Vicky L (TN)Perlstein, Linda D (OR)Peterson, Merle C (OH)Phillips, Adela M (FL)Phipps, Judith J. (OR)Phipps, William D (CO)Pierce, Paul T (WA)Pitsinger, Ann M (SC)Pond, Marilyn J (BC)Powell, George A (TX)Poyzer, Diane M (CA)Province, Robert E (KS)
Ramirez, Liduvina (CA)Revell, Dolores C (CA)Riggs, John D (IN)Robins, James N (CA)Rodriguez, Epifanio (AZ)Romero, Damacio (CA)Russell, Gary E (IL)Sayles, Douglas A (MD)Schepers, Kenneth L (OH)Schlueter, Catherine (OH)Schneider, Candace E (CA)Schzure, Judy A (OH)Selvaraj, Priscilla V (CA)Sharpe, Penelope J (IL)Shell, Phylis A (FL)Singh, Gajram (MD)Smith, Betty J (OH)Smith, Carolyn J (TN)Smith, Emma W (FL)Smith, Gerald Kenneth (CA)Smith, Marget L (FL)Sprenkel, Sharon A (KS)Stathem, Judy J (ID)Stepinski, Gary J (CA)Supinger, Wanda L (MI)Sweeterman, James B (OH)Szudarek, Ann M (IL)Taylor, David B (FL)Thomas, Garnetta (NY)Thornton, Ann (TX)Toledo-Trinta, Angel Ramon
(FL)Tom, Patricia C (HI)Tucker, Delmon A (TX)Turner, Joyce T (TX)Veldhuizen, Susan C (KS)Vough, Kimberly C (FL)Wahlstrom, Mary A (WA)Wang, Susie A (CA)Warren, Cynthia R (MI)Watson Ward, Norma Fay
(MD)Wendling, Judy K (CO)Wieder, Carolyn O (CA)Wilkes, Susan Jordan (ME)
Reflect ions • March 2013 | 1
2 | March 2013 • Reflect ions
Willauer, Elizabeth L (AB)Williams, Ted E (TX)
Wilson, Carole J (TN)Woodard, Brenda A (MD)
Woodland, Dennis W (MI)Wortman, Michael G (NC)
Wright, Richard L (CA)York, Charles H (TN)
Young, Phyllis A (MD)Zeidler, Terry L (CA)
At RestAeschlimann, Elsa L (TX)Alvarez, Margarita (CA)Ammons, Robert Henley
(GA)Anderson, Elbert Lee (MD)Angsumalikul, Poe (CA)Arce, Crisanto Baquiran
(GA)Astacio, Julio (IL)Bacon, James S. (DE)Baker, Woodrow W. (TX)Barron, Vivian V. (FL)Barry, Margaret (CA)Beavon, Norma (AZ)Beck, Bertha B. (CA)Best, E. Margaret (CA)Bieber, F. W. (WA)Blair, Edmund B. (CA)Bogle, Mary (CA)Bova, Pat O. (CA)Bradley, Helen (FL)Bray, Flora Dell (MS)Butchma, Elvia Letitia (MI)Calkins, Margaret Ann
(CA)Cantrell, Devolia A (MI)Capra, Diane (MA)Carman, Eldon E. (GA)Cartwright, Ruby (IN)Castillo, Juan G. (MD)Castro, Orlando J. (MA)Chilson, Robert E. (GA)Christensen, Kathryn A.
(IL)Clark, Winston T. (CA)Clifton, Ernie (CA)
Coe, Herbert E. (NY)Collins, Bette J (TX)Cone, Benjamin (MS)Conway, Robert L. (MD)Cooper, Emerson A. (AL)Cooper, Lillian P. (CA)Craig, John (WA)Cuenca, Esther (CA)Curtiss, Leon B. (PA)Cutter, Dorothy (GA)Darnell, Ruth (CA)Davisson, Wilma (MI)Dick, Donald D. (TN)Doan, Beverly (FL)Drake, Debbie (CA)Ehlert, Judith Lynn (WV)Eitel, Carol Lee (CO)Engen, Gordon Oliver (PA)Erskine, Byrdina C. (CA)Evans, Alvena (FL)Fehrenbach, Marvin L.
(CA)Fenton, Kathryn E. (VA)Ferguson, Lillian Louise
(TX)Fincher, Iris Y. (CA)Frame, Robert R. (NC)Frey, Reed F. (AL)Fries, Harold B. (CA)Fuller, Amber L. (MA)Fuss, Wanda M. (CA)Futcher, Cyril F. (NC)Galima, Celedonia (CA)Gallegos, Henry (CA)Graham, Ardith Jean (OR)Greer, Bernice I. (NM)
Gregg, Vera Dean (CA)Grove, Elaine H (TN)Hanson, Euleta P. (OR)Harder, Aaron J. (CA)Hasenberg, Irma (IL)Hilerio, Adela (FL)Hiser, Geneva L. (CA)Holder, Diana G. (CA)Horton, Janet (CA)Howard, Claude (AL)Hunter, Janis A. (CA)Issler, John (CA)Jacques, Oliver L. (OR)Jewett, Rodney (SD)Johnson, Albert D. (AL)Johnson, William H. (NC)Jones, Joseph A Sr (CA)Jones, Vernon (CA)Joseph, Naomi N (CA)Kaiser, Marie A. (FL)Keeler, Paul Everett (OH)Keller, Sylvan W. (FL)Kinne, Louise F. (OH)Korgan, Joada (OK)Kroncke, John Andrew
(CA)Lau, Drexel A. (WA)Ledington, William J. (CA)Lee, Paul (SD)Lopez, Rodolfo (AZ)Losey, Frank B. (OR)Lukman, Harry I. (CA)Marcarian, Vigain S. (CA)Marcotte, Frances P. (CO)Martin, Chester L. (FL)Meade, Margell R. (AR)
Melius, Mary Ann (FL)Merchant, Marion Juliette
(TX)Miller, Cyril H. (TX)Miller, Phyllis E. (CA)Miller, Theodore E. (MD)Moore, Jean Viola (AL)Morris, Wilson Taylor (ID)Muegge, Ray (IN)Nebblett, Milton Elmer
(MD)Neumann, Lora G. (MI)Nguyen, Kiem (WA)Nigro, Grace Z. (CA)Ogle, Winnie F. (CA)Ott, Roger (MD)Parent, Rexine Rolls (FL)Paris, Vera J. (GA)Parmele, Delma M. (NC)Paulin, Fernando (FL)Perez, Hector (NC)Perry, Daryl Clair (MN)Pierce, James E. (FL)Ponchellia, Betty (NM)Porier, Betty S. (CA)Reifsnyder, Edward F. (NC)Renguul, Thomas E.L.
(PALAU)Ringer, Lloyd Edward (GA)Rivera, Jose Efrain (CA)Robinson, James H. (TN)Rodriguez, Stella (CA)Rogers, James Pierce (TN)Roys, June (MD)Sahlin, Carl W. (CA)Sales, Dolores (FL)
Seltzer, Charles E. (CA)Sheidler, Laurene (WA)Silveira, Helen M. (CA)Simpson, Clinton S. (WV)Sitompul, Victor H. (CA)Smith, Jacqueline E. (NJ)Smith, Samuel M. (ME)Sonnentag, Jacob A. (WA)Spurlock, Harvey (KY)Steck, Arthur (CA)Stockmyer, Mary James
(OH)Stoia, Rose M. (IN)Thomas, Carol A. (MD)Thomas, Lewis (IN)Thumwood, Mary E. (NC)Tillman, Claris I. (WI)Unrath, Fannie Nona (TN)Villegas, Humberto (FL)Wallace, Alice K. (CA)Warner, Robert C. (CA)Weiss, Roberta M. (PA)Wessman, Louise J. (WA)Westbrook, Lynn B. (KS)Wheeler, Keith O. (NE)Wickwire, Bruce M. Sr.
(TN)Willison, Ada Holley (AL)Wooley, Marianne Evans
(FL)Worley, Annie Mae (GA)Wright, Barbara C. (WA)Yost, Lois (GA)Youngberg, James R. (NC)
Spouse AllowanceIf your retirement benefits are based on 20 or more years of service credit, you were married to your current
spouse at least one year before your retirement benefits began, and that spouse is not receiving an employer-provided retirement benefit or did not receive an employer-provided lump sum retirement payout, your benefits may include an additional benefit called a Spouse Allowance. Your eligibility for this benefit would have been determined during the initial application process–before your benefits started—and would not be added at a later time.
The Spouse Allowance portion of a retirement benefit is a conditional benefit and is subject to reduction or discontinuance. The following changes will impact eligibility for the Spouse Allowance:
• Death of a spouse• Divorce• Retirement of a spouse from any employer with resulting employer-provided retirement benefits.
Should such a change occur, it is the retiree’s responsibility to provide that information to our office as soon as possible to avoid any benefit overpayments that would need to be returned.
This year we have improved the detail information on your January statement which you received, in that we have split out the Spouse Allowance (if you were eligible for such) and showed it as a separate line item. In the past the Spouse Allowance was combined with the regular benefit. A number of retirees have been alarmed by this change and we’ve gotten many calls, including from those who had forgotten that they were receiving this benefit.
Payroll Distribution Dates:December 24January 27
Reflect ions • January 2013 | 3
Del Johnson Administrator
Lyn Wick Associate Administrator
Ray Jimenez Associate Administrator
Lisa Turpen Assistant Administrator
Adventist Risk Management: 1-800-447-5002
Healthcare Claims Queries
SHARP: 301-680-5036
Email: [email protected]
Healthcare Eligibility Queries
Submit all claims to:
Adventist Risk Management—SHARP PO Box 1928
Grapevine, TX 76099-1928
Express Scripts: 1-800-841-5396
Verify pharmacy benefit and
pharmacy participation
Payroll: 1-888-838-8955
Bulletin Board of Payroll Information
NAD Retirement Department Fax: 301-680-6190
Email: [email protected]
12501 Old Columbia Pike
Silver Spring, MD 20904-6600
Barbara Yowell: 301-680-6244
Lost checks, direct deposits,
1099R, tax withholding,
verification of benefits for loans,
housing, Medicaid
Shirley Jones: 301-680-6249
General Retirement Office Information
Reporting a death, change of address,
disability reviews
AdventistRetirement
Plans
Reflect ions • March 2013 | 3
PAYROLL BULLET IN BOARDChecks/EFT Released
This Month: March 27Next Month: April 26
RemarriageCan you find love again? Sometimes a retiree re-marries
in retirement, and calls our office to find out the implications of such an event. It is always challenging to give a simple answer to complex policy questions, but this one is quite straightforward. Essentially, remarriage in retirement does not impact the retiree’s benefits. The new spouse is not eligible for spouse allowance, survivor benefits or healthcare assistance based on the retiree’s career.
If two of our beneficiaries marry in retirement, their individual retirement or survivor benefits continue as they were prior to that marriage.
The only assistance available to a post-retirement spouse would be the death benefit. A retiree from the church (not hospital) plan who passes away is eligible for a modest death benefit, and that benefit is usually provided to the current spouse.
It is important that our records of your spouse are accurate, so we should be informed of a re-marriage by a written and signed note from the retiree. We need your new spouse’s date of birth, full name, Social Security number, and marriage date. We will also need a copy of his/her social security card to verify that the name and social security number we use matches what the Social Security Administration has in their database.
Tax TimeThis is the time when tax preparers and taxpayers become
particularly busy in fulfilling their obligations to Uncle Sam. This is when we receive frantic calls from retirees who have misplaced or never received their forms 1099-R, or have questions about the need to file. One of the most common queries is, “Do I need to file this year?”
The following guidelines apply to most people. Keep in mind that “gross income” includes all income that is considered taxable such as wages, pension, taxable distributions from a 401(k) or 403(b) or IRA, but not including Social Security income.
There are a couple of points to remember. If you are self-employed (perhaps you make and sell quilts) and your net earnings from your business exceeded $400 for the year, you need to file and pay self-employment tax.
Some retirees who do not meet the above thresholds may still choose to file for several reasons:
• If an employer or retirement plan withheld taxes from wages or pension, you can only recover these credits by filing a return
• You may be eligible for an Earned Income Credit or other “refundable” credits, paid by the government to
4 | January 2013 • Reflect ions
General Conference of SDANAD Retirement Plans12501 Old Columbia PikeSilver Spring, MD 20904-6600
qualifying low- and middle-income workers even if they owe no taxes. • If you are a minister, you should consider the gross income before reducing your income because of parsonage
allowance exclusion in determining if you meet the thresholds above. Some ministers have told us they assumed they didn’t have to file because parsonage allowance exclusion brought their income below the threshold, but
the IRS goes by what is reported to them. Some have had to go back several years and file retrospective returns.Our office is not trained or authorized to give tax advice, and if you are uncertain, it is best to either go ahead and file,
or get advice from a tax preparer. Computerized tools to assist with tax preparation are getting better, and cheaper. I found several companies that provide free on-line software for simple tax preparation. The IRS web site has a tool to assist you in finding the right web site for you at www.irs.gov. Find the “FreeFile” icon (usually top right of the web site) and fill out a simple form. Clergy or those with significant investment income may find these freebies to be inadequate.
Some Senior Centers provide free advice and assistance for tax preparation. If you are a minister and hire a tax preparer, make sure your preparer is familiar with and understands clergy tax preparation. Ministers, be sure to refer to the letter you received from us in December or January regarding claiming parsonage allowance exclusion. You can download a copy of that letter from our web site (www.adventistretirement.org) by going to the Retiree Downloads section.
Tax Status Must File if your Gross Income is at least:Single, 65+ $11,200Married, filing jointly, one spouse 65+ $20,650Married, filing jointly, both spouses 65+ $21,800Qualifying Widow or Widower 65+ $16,850
