Reflect ions • March 2010 | 1

If 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.

Spouse Allowance

2010 Adventist Heritage TourThe North Pacific Union Conference, with Jim Nix, E.G. White Estate director, is planning

an Adventist Heritage Tour for October 12-20, in 2010. Visits will include Washington, NH, the birthplace of the church, Hiram Edson’s farm in Niagara Falls, the William Miller farm and Ascension Rock, the Bates, Smith and Harmon families’ New England sites, Battle Creek’s Adventist Heritage Village, Kellogg’s Sanitarium, and the White gravesites, and the Heritage Room, Horn Museum and Pioneer Memorial Church at Andrews University.

The North Pacific Union Conference has extended an invitation to Retirees who may wish to participate in this remarkable tour. That means you! As a courtesy we are sharing this information in our newsletter. If interested, please check the website link at www.npuc.org, and contact Sue Patzer at (360) 857-7031 or sue.patzer@nw.npuc.org.

SHARP Corner2010 SHARP Benefits Summary: This summary should be used as a reference only. The

full SHARP booklet can be found at http://www.nadadventist.org/ret/RETdownload1.html.(Continued on back page)

Reflect ions • March 2010 | 1

2 | March 2010 • Reflect ions

100 Years of RetirementSome time ago we asked Adventist Retirees to provide

advice for those approaching retirement age. The following counsel was given.

Don’t buy too much land around your home. In a few years it gets too much to take care of and then the need for another move. (One retiree told us about having a contractor plant 1,000 fruit trees on his retirement home. Not many months had passed before he began to question his planning.)

If you are moving, rent at first, and if you are moving to be with your kids, don’t plan on them staying there forever!

You will need to have your house paid for, car paid for and look for low cost of living areas where you want to retire.

Try very hard to pay off your home mortgage before you retire. Life is comfortable in retirement when you do not have a mortgage to deal with.

Where do our U.S. Adventist Retirees live? They live everywhere. A handful live in Hawaii, Alaska or out of the country, (not shown). One recent retiree moved from her career state of Florida to a retirement home in Alaska.

NewBeneficiariesAbbey, DavidAlbrecht, LyleAlbrecht, PeggyAlbritton, MaryAlcala, AdanAllen, DoloresAllison, CarolAmmon, RayArnold, PaulBallou, GraceBalmer, BrentBarizo, EsterBeckwith, JamesBonner, EarleneBoyer, SuzanneBraudaway, CarolynBrown, JerrettBryant, HelenBugayong, Hus

Burgos, LouisBurns, CarollCarey, John, (Jack)Carter, BonnieCastro, FelixCavanaugh, StephanieCollins, EmanCordes, DaleCrary, KathrynCrounse, RobertCurtis, DavidDiehl, FrankDixson, MonaEllison, GingerEndres, MaryFletcher, DenisFord, LawrenceFurst, RobertGantz, MarilynGeha, OsannaGendke, Mike

George, PhyllisGepford, MarilynGilburg, KarenHadley, AlfredHall, LoisHancock, ElizabethHanson, SharonHarlan, GeorgeHastings, IslaHatten, MaxineHayner, RussellHenderson, JesseHenriquez, RobertoHoffmeyer, EdwardHutchins, PaulIrwin, BernadineJaqua, LeeJohnson, GeorgeJones, MarieKasner, EdmundKeet, Cornelius

Kelley, PatriciaKemp, LynetteKnight, RodneyKroetz, JanetLafever, BeecherLedford, FrancesLickey, MaryLiu, Carol, LynnMahlum, LarryMathis, NancyMcClarty, WilmaMcClelland, HudaMcClure, CharlotteMcKey, JoAnnMillard, RuthMiller, ClaudiaMontag, PeggyMundy, H. SusiMurdick, DeweyNesmith, DeforestNeves, BedeNorman, James

Odicio, VictorOsborn, RichardPatterson, JamesPelley, JudithPennington, OraPowell, AliceRedmon, DorothyReynolds, BarbaraRingo, ClaudiaRobinson, FrankSanford, ThomasSangma, NoniSayler, ClarenceSloan, JudySmith, GayleSmith, PamelaSorrow, JessicaSpiegelhalter, MaryStarr, MerlinStroud, RonaldTroutman, FredTrumper, Richard

4th Qtr 2009 New and At RestAdventist Retirement Plans

Each 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 place the ages of the deceased. We have declined to do this after considering privacy and identity security issues. Also, we are sometimes 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.

Payroll Distribution Dates:December 24January 27

Reflect ions • March 2010 | 3

Del Johnson Administrator

Lyn Wick Associate Administrator

Judy Beers Associate Administrator

Maurine Wahlen Associate Administrator

Adventist Risk Management: 1-800-447-5002 Healthcare Claims Queries

ShARp: 301-680-5036 SHARP@nad.adventist.org

Healthcare Eligibility Queries

Submit all claims to: Adventist Risk Management—ShARp

PO Box 1928 Grapevine, TX 76099-1928

Medco health: 1-800-841-5396 Verify pharmacy participation with

Medco Health

payroll: 1-888-838-8955 Bulletin Board of Payroll Information

NAD Retirement Department Fax: 301-680-6190

12501 Old Columbia Pike Silver Spring, MD 20904-6600

Barbara Yowell: 301-680-6244 Lost checks, direct deposits, 1099R,

tax withholding, change of address, verification of benefits for loans,

housing, Medicaid

Retirement Reception: 301-680-6249 General Retirement Office Information

Chris Meier: 301-680-6192 Reporting a death, disability reviews

www.RenewedandReady.com

AdventistRetirement

plans

Reflect ions • March 2010 | 3

Payroll Bullet in BoardChecks/EFT Released

This Month: Mar. 26

Next Month: Apr. 27

Van, Zyl, JohannesWashington, CaroleWedel, ThomasYamada, ClaudiaYoung, AndrewYoung, Joyce

Retirees atRestAcevedo, AuraArmstrong, ElonaArnold, ThelmaBarnett, DoyleBarnhart, LelandBauer, GertrudeBeeler, L. LaverneBlackmon, AlmaBraxton, VeraBrown, RobertBurkhart, LoisBurns, EleanorBurns, MarjorieChapman, RuthCharles, AliceChase, JamesChota, EstherCleveland, EdwardCoffin, JohnColby, DainaCole, HazelColeman, RussellCowan, AdaCoy, MadeleineDahl, AndrewDe, Paula, LinaDittmar, HeinzDoles, DonaldDrake, LorettaDyche, MaryDyess, BerniceEagans, MervelEdwards, RobertFerree, CharolineFreeman, PhyllisGalbreth, Margaret

Gantt, MarjorieGrace, MaymieGreen, CurtisGriffith, EarlGryte, GlennGuthrie, PatriciaHaas, AvonelleHallifax, RobertHaynes, WilliamHayward, WilliamHeigh, RussellHolley, EstherHoover, LillianIuga, BujorJones, NevaKaldahl, ClarenceKnudsen, MarthaKolmodin, GraceKraner, DouglasLaCharite, MauriceLagaso, RalphLibby, VernLinebaugh-Clapp, WilliardLorimer, AlbertLowder, W. WorthMackett, NormaMalave, GilbertoMarshall, ThomasMaxwell, S. LawrenceMcCall, HowardMcGinnis, SamuelMcGregor, JuneMcWilliams, VeraMead, HelenMidkiff, AliceMiller, JoyceMiller, VictoriaMills, EstherMilward, ArthurMoore, JuanitaMullen, HarrisMusgrave,

KathrynNelson, BenjaminNelson, EleanorNewell, RuthNolin, RussellO’Neal, AbigailPaulson, BernardPeterson, ValedaPfiffner, StellaPick, DonaldPurdy, A. YvonneRasmussen, TedfordRichards, CatherineRichert, LaVerneRodie, B. LenoraRogers, SylviaSeinhart, DonaldSheffer, HaroldShockey, GordonSimmons, JonsieSimpson, PalmaSimpson, WilburSmith, ShirleySmith, WinifredSutter, LloydTeague, JeanTezak, FaitheTitus, I. GoldieTkachuck, MaryTyson, E. MartelleVazquez, PersidaVillafan, JuliaVisger, CynthiaVisser, SaulWhite, CharlesWhitsett, SigridWilliams, DorothyWilson, AlmaWoertz, HerbertWolfinger, GeraldZarda, MaryZima, Patricia

4 | March 2010 • Reflect ions

General Conference of SDANAD Retirement Plans12501 Old Columbia PikeSilver Spring, MD 20904-6600

NoN-Profit orgus PostAge

PAidNampa, Id

PERMIT No. 147

Standard SHARP has four basic categories: BASE, MCx, DVH, and RxBASE and MCx Options pay the balance of all Medicare approved services after Medicare pays its portion.

It also pays the Medicare Part A and Medicare Part B deductibles.BASE has a $2,100 per person, per year deductible before paying the balance of Medicare approved

expenses/deductibles.MCx has no deductible before paying the balance of Medicare approved expenses/deductibles.Providers submit claims to Medicare electronically. A summary of approved services and payments by

Medicare are then electronically sent to Adventist Risk Management. DVH has no yearly deductible, and the plan pays:Dental: 80% with a $2200/year payable limitVision: 80% with a $400/year payable limitHearing: 80% with a $2200/year payable limit, with a one year look-backRx has several cost containment rules that you should read about very carefully. These rules can be found

in the SHARP booklet on pages 10-12. You cannot participate in the Rx option and have another prescription drug program. The Rx option has no yearly deductible but retirees are responsible for the co-pays as follows: Retail – up do 30 day supply Mail Order – up to 90-day supply $11 generic/$22 brand $25 generic/ $50 brand

Pre-Medicare is available to those eligible for healthcare who are not yet age 65 and who do not have Medicare

Non-Medicare is available to eligible dependent children under the age of 19 and who do not have Medicare.

SHARP participants are very limited in when they are permitted to make changes in coverage. The SHARP booklet describes these opportunities on pages 6-8.

(Sharp Corner cont.)