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We understand that certain situations may require a home assignment for longer than 6 months. We can extend a home assignment as a temporary work assignment for up to 12 months.

Here are things to consider for a home assignment of 6 months or more :

  1. Residence - If you plan to rent a house or apartment during your stay, you should notify Reliant of your US address and may be responsible for certain state taxes. (See the section below for more information on taxes)
  2. Job Description - If you are staying in the US to perform work/ministry duties other than typical home assignment activities, please send in an updated job description.
  3. Sabbatical - If you are taking a sabbatical, please fill out the Sabbatical Request Form.
  4. Salary/Expenses - We recommend updating your Support Goal Worksheet or submitting a Hardship Bonus to reflect any difference in financial needs during a longer stay in the US.
  5. Insurance - Your Aetna coverage will continue while you are on an extended home assignment, but with significant differences.
    1. Deductible - When in the United States, there is a deductible applied to your plan. Please familiarize yourself with the details of the Aetna plan.
    2. In-network vs. Out-of-network - When in the United States, Aetna distinguishes between expenses incurred within the Aetna network and expenses incurred out of their network. Out-of-network expenses have a completely separate deductible and are covered at a lesser rate. Please check with your healthcare provider to determine if they are within the Aetna network before receiving treatment.
    3. Long-term Stays - If you are in the United States for a full calendar year, without a clear plan to return overseas, Reliant may ask you to switch to the U.S. insurance plan. A goer may move of their own choice at the end of the first calendar year in the US. 


Note

If you are NOT enrolled on the Aetna plan, but are covered under a national plan in your country of service, you are responsible for obtaining additional insurance coverage while traveling within the United States.

I need additional time in the US for fund-raising, recruiting or other ministry needs. 

Trips to the US which are taken for ministry purposes are reimbursable.  The purpose of furlough (according to policies) is visiting supporters, raising funds, expanding vision for the ministry among partners and donors and recruiting.  With supervisor approval these activities can be pursued in trips to the US that are additional to a worker's normal furlough. Typically these sorts of trips are necessary for team leaders and field leadership.  First term workers should not seek a trip of this nature unless requested by their local leadership. 

Travel forms are required, as with all travel away from your resident location. 

Typically these trips do not include family members, so additional documentation for International and the Reimbursements team may be needed if you are seeking reimbursement for associate spouses or children.  In other words, their travel is not reimbursable unless their presence fulfills a specific ministry function. 

My furlough is combined with a wedding or another personal or family event. 

It’s also normal among our international workers that they line up family and personal ministry events (like weddings) with ministry fund-raising, recruiting, or partnership trips.  We bless that, as multiple experiences of jet-lag is not productive for the person or ministry.  As with any sort of leave, the details need to be approved by your local supervisor. 

In order for the trip to be considered a Ministry Expense (reimbursable) the guideline is that either

  • a) the majority of time is spent on business purposes or
  • b) the date was set to meet ministry objectives and personal time was added later.

My trip to the US is for a family or personal event

We affirm that importance of being present with family for key events.  We also affirm that sometimes we just want to be at home.  After completing the first term of international service, an international worker may seek their supervisor's approval to use PTO for personal time in the US.  All travel and jet-lag needs to be included in PTO in these cases.  Personal is personal, so it's not reimbursable, sorry.  A hardship bonus would only be provided for an emergency among immediate family members (like critical illness, funeral, and the like). 

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Taxes

Federal Income Tax

Some people on extended furloughs home assignments have the right to maintain their Foreign tax status, and continue to file form 2555, even when they are in the US more that Reliant’s standard furlough of three monthsfor a significant portion of the year.  However, the IRS guidelines are very specific, and there are many possible scenarios to consider. Therefore, if you will be in the US longer than 3 6 months on your furlough we suggest you contact Barb Seckler from our Employment Services team to consult on your tax home assignment we suggest discussing the specifics of your situation with a professional tax consultant. Your time in the US may reduce your FEIE benefits, however, an extended stay in the US does NOT end your Foreign earned income status

If you have a furlough home assignment longer than 3 6 months and you do not have bona fide residence in your location of service, please document the following (for Reliant, and for your tax return):

  1. Locations of your stays in the US (with approximate timing).
  2. What you will be doing while in the US.
  3. Your expected maximum stay (at this time).dates of presence in the US. 
  4. Where your major household belongings will be during your extended furloughhome assignment

Please understand we are assuming that our international missionaries want to maintain their foreign residence status.  In most cases, your foreign tax residence stays in your location of service in the eyes of the IRS, until you intentionally move back to the US.  If you wish to move your tax location (for payroll purposes) to a US location during your stay, please consult with your tax adviser to understand the outcomes of that choice.    Reliant can accommodate that need.  We would report your taxes according to the state in which you live/work, and pay local and US taxes based on that location.  If you or your tax adviser wish to make that change, and we will follow your wishes, if that is your leaning. Just email international@reliant.org to let us know. 

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You may reimburse up to $350 a year for professional tax fees.

State Taxes

If you are in the US longer than 6 months, Reliant may need to report and pay taxes to the state where you are residing.  Please inform International@reliant.org of an extended stay when you reach the 5th month of presence in the US. 

Healthcare/Insurance

Reliant's international healthcare plan with Global Benefits Group (GBG) covers our missionaries for up to 90 days of furlough in the US. In the event of an extended furlough (lasting longer than 90 days) there are a couple of options for how you can sustain healthcare insurance:

  • Stay with GBG (International Insurance): 
    • GBG can continue to cover you while in the US, with a standard pricing rule of an 85% premium surcharge on your rates. If your stay exceeds 90 days when for normal furlough activities, Reliant will cover the cost of the premium surcharge for the fourth through the sixth months.  After the sixth month, the surcharge will be covered by your MTD account. Once you return to your international country the premium will be adjusted to the current premium. There is the possibility that GBG will offer a lower premium surcharge, if there is a history of good claims - but this is at the discretion of GBG.
  • Temporarily change to Guidestone (US insurance): 
  • You have the right to change your plan with GBG at any time while you are in the US and enroll in our US insurances. This option can incur multiple deductibles for the respective year and could potentially mean an increase in out of pocket expenses. 
  • Also keep in mind, the GBG plan offers medical, dental and vision. If you choose to discontinue this plan while on extended furlough and wish to maintain dental and vision coverage, you will need to enroll separately in dental and vision coverage in addition to medical coverage with Guidestone.
  • Once returning to your international location, you must also change back to international coverage with GBG.