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Efile FreeEfile free 5. Efile free Ministers and Church Employees Table of Contents Alternative Limit for Church Employees Changes to Includible Compensation for Most Recent Year of ServiceChanges to Includible Compensation Changes to Years of Service Self-employed ministers and church employees who participate in 403(b) plans generally follow the same rules as other 403(b) plan participants. Efile free This means that if you are a self-employed minister or a church employee, your MAC generally is the lesser of: Your limit on annual additions, or Your limit on elective deferrals. Efile free For most ministers and church employees, the limit on annual additions is figured without any changes. Efile free This means that if you are a minister or church employee, your limit on annual additions generally is the lesser of: $51,000 for 2013 and $52,000 for 2014, or Your includible compensation for your most recent year of service. Efile free Although, in general, the same limit applies, church employees can choose an alternative limit and there are changes in how church employees, foreign missionaries, and self-employed ministers figure includible compensation for the most recent year of service. Efile free This chapter will explain the alternative limit and the changes. Efile free Who is a church employee? A church employee is anyone who is an employee of a church or a convention or association of churches, including an employee of a tax-exempt organization controlled by or associated with a church or a convention or association of churches. Efile free Alternative Limit for Church Employees If you are a church employee, you can choose to use $10,000 a year as your limit on annual additions, even if your annual additions computed under the general rule is less. Efile free Total contributions over your lifetime under this choice cannot be more than $40,000. Efile free Changes to Includible Compensation for Most Recent Year of Service There are two types of changes in determining includible compensation for the most recent year of service. Efile free They are: Changes in how the includible compensation of foreign missionaries and self-employed ministers is figured, and A change to the years that are counted when figuring the most recent year of service for church employees and self-employed ministers. Efile free Changes to Includible Compensation Includible compensation is figured differently for foreign missionaries and self-employed ministers. Efile free Foreign missionary. Efile free If you are a foreign missionary, your includible compensation includes foreign earned income that may otherwise be excludable from your gross income under section 911. Efile free If you are a foreign missionary, and your adjusted gross income is $17,000 or less, contributions to your 403(b) account will not be treated as exceeding the limit on annual additions if the contributions are not in excess of $3,000. Efile free You are a foreign missionary if you are either a layperson or a duly ordained, commissioned, or licensed minister of a church and you meet both of the following requirements. Efile free You are an employee of a church or convention or association of churches. Efile free You are performing services for the church outside the United States. Efile free Self-employed minister. Efile free If you are a self-employed minister, you are treated as an employee of a tax-exempt organization that is a qualified employer. Efile free Your includible compensation is your net earnings from your ministry minus the contributions made to the retirement plan on your behalf and the deductible portion of your self-employment tax. Efile free Changes to Years of Service Generally, only service with the employer who maintains your 403(b) account can be counted when figuring your limit on annual additions. Efile free Church employees. Efile free If you are a church employee, treat all of your years of service as an employee of a church or a convention or association of churches as years of service with one employer. Efile free Self-employed minister. Efile free If you are a self-employed minister, your years of service include full and part years during which you were self-employed. Efile free Prev Up Next Home More Online Publications
Choosing a Health Care Facility
Where to Go for Medical Care
In non-emergency situations, your first choice should be your primary care provider (PCP). Your PCP knows your medical history and treats common ailments. Urgent care is best when you need medical attention for a non-life threatening illness quickly or after regular hours. Go to the emergency room if your illness is serious or life-threatening, such as:
- Stopped breathing
- Head injury with passing out, fainting, or confusion
- Injury to neck or spine, especially if there is loss of feeling or inability to move
- Electric shock or lightning strike
- Severe burn
- Seizure that lasts three to five minutes
MedlinePlus has more information about the differences among health care providers and facilities.
Choosing a Health Care Facility
Report cards on the Internet can help you compare healthcare facilities. Compare doctors and health care facilities at www.healthcare.gov/compare. In addition, private organizations like U.S. News and World Report and Healthgrades.com rate hospitals based on information collected from Medicare records and other sources. As of October 2012, the Affordable Care Act requires all hospitals to report performance publically.
When determining the best health care facility for you, consider these factors:
- Does the facility accept payment from your insurance plan?
- Does your doctor have privileges to provide treatment to patients at the facility?
- What is the quality of the facility?
- Does the facility specialize in services and procedures that fit with your medical needs?
- Is the facility in an area you can travel to and from easily? Find health care facilities in your area.
Elder Care and Health Care Facilities Seniors
As people live longer, the need for services for seniors has become more important. The Eldercare Locator (www.eldercare.gov), a public service of the Administration on Aging, U.S. Department of Health and Human Services, is a nationwide service that connects older Americans and their caregivers with information on senior services. Visit www.aoa.gov/Elders_Families for a list of resources to connect older persons, caregivers, and professionals with important federal, national, and local programs.
The Joint Commission on Accreditation of Healthcare Organizations(JCAHO) accredits hospitals as well as nursing homes and other healthcare organizations. Specially trained investigators assess whether these organizations meet set standards. At qualitycheck.org, you can check on a local facility, including how it compares with others. The Joint Commission also accepts consumer complaints. You can post a complaint online.
- Nursing Home Compare, operated by the U.S. Department of Health and Human Services will help you compare the facilities in many states. Visit the website or call 1-800-MEDICARE (633-4227).
- Eldercare Locator provides information and referral services for those seeking local and state support resources for the elderly.
- LeadingAge, is a trade group that represents many nonprofit facilities that serve and support the elderly.
- The Assisted Living Federation of America, represents both for-profit and nonprofit assisted-living facilities. Phone: 703-691-8100.
- The Commission on Accreditation of Rehabilitation Facilities, gives its seal of approval to qualifying facilities. Phone: 1-888-281-6531.
Naming a Durable Power of Attorney for Health Care
A durable power of attorney for health care (sometimes called a durable medical power of attorney) specifies the person you've chosen to make medical decisions for you. It is activated anytime you're unconscious or unable to make medical decisions. You need to choose someone who meets the legal requirements in your state for acting as your agent. State laws vary, but most states disqualify anyone under the age of 18, your health care provider, or employees of your health care provider.
The person you name as your agent must:
- Be willing to speak and advocate on your behalf
- Be willing to deal with conflict among friends and family members, if it arises
- Know you well and understand your wishes
- Be willing to talk with you about these issues
- Be someone you trust with your life