TRANSITIONS - Loyal Christian Benefit Association

TRANSITIONS 

Attracting Butterfl ies 

to Your Garden 

LCBA Board 

Election Results 

An Overwhelming 

Youth Experience 

Get to Know Your 

LCBA Family 

Fall Faaaaaaaaaaaaaaaaaaaaaaaaaalllllllllllllllllllllll 2010 222222222222222222222222222222220000000000000000000000000010

MESSAGE MESSAGE FROM THE PRESIDENT 

Spring Is In The Air 

It’s early April in Erie, PA and it is snowing outside. Being from Pennsylvania and always 

trusting Punxsutawney Phil’s predictions, I know that the snow will soon be gone. Spring 

is in the air and for me, that means a period of transition and change. 

Change is natural and inevitable, but often resisted. Although tough, the great thing 

about change is that it also often brings new understanding. A prime example of spring 

change is Easter. Our faith was changed when Christ died and rose again. With that 

came a good deal of resistance along with new understanding about love and sacrifice. 

Our Roman Catholic members and friends are seeing another transition and possibly 

some new understanding with the election of Pope Francis I. 

At LCBA, we have recently experienced transitions as well. We 

changed our location, moving into our new building and have 

made plans for a blessing and grand opening on June 7th. 

We have changed our support of your branches by doubling 

the matching funds program. At the same time we are seeing 

the rebirth of our branch system with formation of our first new 

branches in nearly 10 years. Finally, the polls have closed for 

board elections, potentially meaning change there as well. 

Personally, my wife and I are seeing significant transitions. 

The last of our children are moving away from our “nest”, leaving it empty. Our two 

youngest children are in the process of graduating from college, finding jobs and 

moving out. My wife and I are finding that a house large enough for five children is 

too large once they are gone. We also find we have more time and even a little more 

money, thanks to no more college tuition! We are looking into what we will do to fill 

our time now that soccer, baseball, swimming, recitals, etc. don’t fill our lives. 

In some ways we miss the endless activity but are looking forward to the transition from 

parent to empty nesters and grandparents. We are lucky to have seen our children grow 

and start successful lives as a construction project manager, a pharmacist, two school 

teachers and a nurse. In many ways I think they have taught us more than we ever 

taught them. Our biggest challenge as we face this transition will be to stay active and 

involved. We already volunteer but we also want to broaden our range of experience. 

One change we are considering is to follow in the footsteps of my parents and become 

avid Road Scholars ® . As they approached retirement and through most of their retired 

years together, my parents traveled throughout the country and even the world living 

and learning via Elderhostel programs, now Road Scholar ® . (If you are interested in 

becoming a Road Scholar, remember that LCBA offers 12 scholarships every year to 

members. It is easy to apply - just give us a call at 1-800-234-5222 or go online at 

www.lcbalife.org, click on the “Benefits” tab and scroll down to the Road Scholar link 

under Scholarship Benefits.) Road Scholar ® programs offer the opportunity to see new 

places, meet new people and have a wide variety of experiences. 

What changes are you experiencing and what have you learned that can help your 

family or others? Share your experiences and transitions with us and other members by 

posting your thoughts on our Facebook page. 

Douglas Tuttle, President & CEO 

Direction 

Publisher 

Douglas Tuttle, Erie, Pennsylvania 

email: tuttled@lcbalife.org 

Executive Editor 

Sean Brown, Erie, Pennsylvania 

email: browns@lcbalife.org 

Associate Editor 

Marcia Twinem, Erie, Pennsylvania 

email: twinemm@lcbalife.org 

Chair of the Board of Directors 

Ward McCracken, Erie, PA 

Board of Directors 

Karen Balaban, Esq, Harrisburg, PA 

Matthew Dupee, Binghamton, NY 

Paul Kenny, Erie, PA 

Nancy Klemp, Leavenworth, KS 

Robert Muth, Meadville, PA 

Father Michael Senyo, Allison Park, PA 

Anne Sweigart, Bluffton, OH 

Barbara Waclawek, Buffalo, NY 

Direction is a member of the 

Communications Section of the National 

Fraternal Congress of America, combined 

circulation of which reaches 11,000,000. 

Direction (USPS 208-680) is published 

quarterly by the Loyal Christian Benefit 

Association, 8811 Peach Street, Erie, 

Pennsylvania 16501. 

Periodicals postage paid in Erie, PA. 

POSTMASTER: 

Douglas Tuttle 

PO Box 13005 

Erie, Pennsylvania 16514-1305 

Graphic Design and Layout 

Sean Brown, Erie, PA 

Communications for publication, and 

those relating to mailing list, change 

of address and non-delivery of papers 

should be addressed to: 

Multimedia Department 

Attn: Sean Brown 

LCBA 

Direction 

PO Box 13005, Erie, PA 16514-1305 

Communications for publication will not 

be admissible unless accompanied by the 

name and address of the writer. Contact 

us at the above address or at: 

814-453-4331 –or– 

800-234-LCBA (5222) 

Hearing Impaired Relay Service: 

Dial 711 

Fax: 1-866-588-3173 

http://www.lcbalife.org 

email: info@lcbalife.org 

Postmaster Send Address 

Changes To: 

Issue # 13-1 

Please mail form 3579 to 

Loyal Christian Benefit Association 

(ISSN #1040-7596) 

Box 13005, Erie, PA 16514-1305 

2 Direction Magazine - Spring 2013 www.lcbalife.org

contents 

4 

Capturing our 

Hearts, Fueling our 

Imagination Spring 

renewal brings the 

magical beauty of butterflies 

into our lives, which can be 

an inspiration to all of us. 

2 | President’s Message 

7 | The Freshman Transition 

8 | Branch 1556 Report 

9 | Fraternal News 

10 | Board Election Results 

11 | Orthodox Division 

12 | Board Minutes 

16 | Financial Report 

17 | 2012 Financial Highlights 

20 | ScriptSave ® Benefit for Pets 

6 

Career Change No 

matter how old or 

young you may be, 

it is never too late for 

a career change if you are 

unhappy and unsatisfied with 

your current job. 

holiday closings: 

business hours: 

LCBA proudly supports the Sustainable Forestry Initiative ® program, ensuring 

responsible forest management through our use of paper from sustainable sources. 

Spring 2013 

Butterflies to 

your Garden 

18Attracting 

Creating an 

inviting environment will help 

ensure your garden will be 

visited all summer long. 

Memorial Day - May 27 

Monday - Friday: 8:00 a.m. - 4:15 p.m. 

Summer Hours (begin Memorial Day): 

Monday - Thursday: 8:00 a.m. - 4:15 p.m. 

Friday: 8:00 a.m. - 12:00 p.m. 

3 Direction Magazine - Spring 2013 Printed on Recycled Paper 

www.lcbalife.org 

 

 

Independence Day - July 4 

check us 

out on: 

th 

th 

Facebook 

facebook.com/lcbalife

Capturing our hearts, 

fueling our imagination 

Butterflies define the fragility of beauty & life 

by Mary Amidon 

Spring renewal means many things to many people, but nature lovers and those who favor asphalt jungles 

over grass are likely to agree on one harbinger of spring -- the magical, ethereal beauty of the butterfly. 

While someone might prefer 

dogs or cats, or frogs over fish, 

it would be a rare occurrence to 

find someone who shuns these 

bedazzled insects. Butterflies 

have inspired writers, inventors, 

scientists, horticulturists and 

children for millenniums. These 

graceful, lyrical creatures bring joy 

to children, while simultaneously 

putting in a long day at work in 

the garden to pollinate flowers 

while at the same times and 

reduce insect infestation. And in 

spite of a workhorse schedule in 

their often short lifespan, the 

butterfly has managed to 

eclipse its reputation in 

the science field to 

symbolize many 

sentiments 

in the 

arts, culture and, surprisingly, the 

health care field. There have 

been songs, plays and films 

released around this iconic 

beauty. The psychedelic 

rock band Iron Butterfly 

cashed in big in the late 1960s 

with its inimitable musical style 

and memorable name. The U.S. 

Postal Service is capitalizing on 

the popularity of the butterfly with 

the release earlier this year of the 

Spicebush Swallowtail Butterfly 

stamp, its third in a series of 

stamps focused on this fragile 

beauty. 

The study of butterflies is a 

captivating subject for children. 

Educators such as Diane Esser, 

founder of Butterflies for Kids in 

Erie, PA, says the four distinct 

stages of its life cycle - the egg, 

larva, pupa and adult - provide 

distinct, visual cues for 

children to understand 

the metamorphosis 

of this captivating 

creature, many of 

which live only two to 

four weeks as adults - such 

as is the case of the popular 

orange and black Monarch 

butterfly. 

Esser’s non-profit organization, 

I am a Planet Kid, is really 

focused on planting trees and 

environmental issues, but she 

chose the butterfly name for her 

organization because she said 

it symbolizes the life cycle of the 

environment in a way that children 

could relate to and understand. 

“The butterfly theme works because 

this children’s environmental 

program focuses on the life cycle 

of everything on our planet,” Esser 

said in an interview. “When you 

think of children and teaching 

them about the environment, the 

butterfly umbrella name seemed 

like a perfect fit.” 

Esser states however, the link 

www.lcbalife.org 


etween butterflies and environmental issues, such as 

replanting trees to repair damage to the environment, 

work well in explaining the life cycle of all living 

things to children. “We can’t put more oil back in the 

ground, but we can plant a tree,” Esser explained. 

Esser’s website, www.iamaplanetkid.org, includes a 

poem she wrote when she launched the non-profit 

organization to teach children the importance of 

maintaining a healthy environment. 

Beyond its appeal as a science laboratory in motion, 

the butterfly has been adopted as a symbol of rebirth 

– from the growing popularity of butterfly releases 

at weddings to events staged by hospice providers 

around the country from California to Florida, Maine 

to Montana. The butterfly release provides a 

measure of comfort to patients and their 

families as a symbol the fragile beauty of 

life and of shedding pain and suffering 

to emerge as free, spiritual beings 

upon one’s passage through 

death. 

The Erie Visiting Nurse Association 

Hospice Services of Erie County is 

among numerous VNA programs of 

its kind throughout the country that 

sponsors an annual Wings of Hope 

Butterfly Release event to remember loved 

ones and to call attention to the compassionate 

care provided by hospice programs. The fundraising 

event provides an opportunity to be part of a 

community celebrating life and death and to witness 

Butterflies 

by Diane Esser 

As a caterpillar inching along its trail, 

I watch you move toward your story, your tale, 

I watch the silent and rhythmic motion 

moving toward nature's mystical potion. 

Your journey takes you to where you'll spin 

to a place where you will again begin. 

I want to see you unstretch and behold 

wings that will take you to places untold. 

I want to see you lift yourself to the skies 

and see the world with your heart and your eyes. 

The fierce winds of life may blow you around, 

new force in your wings will need to be found. 

Remember you worked so hard and so long. 

Take flight again. Again you'll be strong. 

Lift yourself high, toward pastel brushed skies 

into a world of wonder and of butterflies. 

Reprinted with permission of Diane Esser, 

founder of Butterflies for Kids in Erie, PA. 

breathtaking beauty of the flight of 500 Monarch 

butterflies. 

Likewise, butterfly release programs at weddings 

provide another beautiful visual of a 

couple’s love rising above them. In the 

Chinese culture, for example, two 

butterflies flying together symbolize 

love. Butterfly release events also 

are used to mark more somber 

occasions such as funerals and 

memorial events. 

The next time you happen upon a 

butterfly in your garden, you may 

want to reflect upon how this tiny 

creature contributes so much to the 

environment, our sense of beauty, art 

and technology, in a lifespan that can 

be as short as two to four weeks. It’s a 

lesson to live life to the fullest and to appreciate the 

beauty around you. 

5 Direction summer 2007 Magazine - Spring 2013 www.lcbalife.org

Being stuck in an unsatisfying job is an ordeal that you don’t have to face. No matter how old you are or how many 

years you have been working at your current job, it is never too late for a career change. Whether obtaining new 

skills through training or education or capitalizing on a hobby, find out how you can make the transition easier. 

Bored at Work: 

Is it Time for a Career Change? 

by Marianna Nichols 

Are you bored at work? Do you feel that your current job does not offer you any stimulation or interest at 

all, leaving you burned out and miserable at the end of the day? Do you ever wish you could be doing 

something more fulfilling and enjoyable? Maybe it’s time for a career change. 

Giving up the safety and financial 

stability of your current job is not an 

easy decision to make. However, 

sticking to a routine that offers 

you nothing more than a steady 

paycheck can do more harm than 

good. An unsatisfying job can not 

only wreak havoc on your mental 

and psychological state, but it can 

also entrap you in an unpleasant 

day-to-day routine. Furthermore, it 

will prevent you from discovering 

your true potential and trying new 

things that you might find more 

interesting. 

If your salary is your only income 

source, you probably cannot afford 

to quit your job right away. This 

does not mean that you can’t start 

exploring your options. Visit 

various job search websites 

and look for listings that 

grab your attention. 

Then, research 

these positions 

to find out what 

they entail and 

whether you have 

the qualifications 

required. Applying for 

a new job before quitting 

your old one will make the transition 

smooth, with no in-between periods 

of unemployment. 

If your skills don’t match the 

requirements of the position you 

are interested in, consider attending 

relevant courses or seminars. 

Make sure that the training you 

choose provides certification 

upon completion of the program; 

otherwise, you may not be able to 

prove your newly acquired skills. 

If your current job schedule does 

not allow you enough free time to 

attend regular courses, you can opt 

in for an online training program, 

which you can attend at your own 

pace. 

Alternatively, you could attempt 

to start your own business or 

capitalize on one of your hobbies. 

For example, if you enjoy creating 

decorative items or sewing clothes, 

you could try setting up an online 

store to sell your creations. 

Remember, though, that starting 

your own business may involve 

financial risks if you don’t plan and 

execute your idea carefully. A safe 

way of testing the waters before 

leaving your day job is to put up a 

few items on eBay to see whether 

they are in demand. 

If you haven’t found your true calling 

yet, volunteer work might be able to 

help you figure it out. While you will 

not get paid for your services, 

you will get the chance to try 

different lines of work in 

order to find out what 

type of job suits your 

personality. In any 

case, keep exploring 

your options, and you 

are sure to find a satisfying 

and fulfilling career. 


Starting high school can be an overwhelming experience for any teenager. They face navigating a new school, 

making new friends in an unfamiliar class and getting to know new teachers who will usually have higher academic 

expectations. Here is how one freshman is handling the experiences and challenges in her life. 

Surviving the Freshman 

by Holly Benson 

transition is officially defined as a process or period in which one thing changes into another. These types of 

A moments happen frequently in the lives of people. As a ninth grade student at McDowell Intermediate High 

School, I am fresh off a big transition in my life: that of switching from middle school to high school. 

One of the biggest things that happened was the change 

in the amount of people I interact with daily. This has 

largely been a positive experience - conversation with 

strangers became easier for me, and I made a lot of 

new friends. I also noticed a huge change in how I 

speak in front of people, and how much more willing I 

am to try out for activities and clubs. 

Another big challenge I faced when switching from 

middle school to high school was the emotional 

change. Staying positive when everyone around you 

is gloomy was hard 

for me at first, but I 

soon developed a 

resistance to negative 

moods around me 

and they hardly 

affect me at all now. 

Confidence in my self 

was a huge issue this 

year. Being around so 

many people makes 

you want to compare 

and contrast, and 

it’s hard not to talk 

yourself down when all 

Transition 

of your friends are doing it. I soon figured out that there 

was no end in expecting yourself to be perfect, and that 

wanting to change things about yourself first starts with 

acceptance of yourself. This same idea helped me resist 

peer pressure, which is abundant in high school. I see 

everyone around me fall victim to it, like a contagious 

disease. One of the things I am most focused on when 

with people I don’t know is resisting this, and it’s so 

much easier to do when I feel confident in myself. 

Finally, I faced an academic challenge. As an honors 

student throughout middle school, I found achieving A’s 

relatively easy and sometimes didn’t have to put in my 

greatest effort to get the grade I wanted. My classes are 

so much different now. I can’t afford to “zone out” in 

the middle of class, unless I expect to leave there with 

the dreaded B. I spend several nights studying for unit 

tests, and I’m no longer shy to raise my hand and admit 

I don’t understand something. 

Maybe a transition you’re going through has some 

characteristics in common with mine, maybe not. The 

effects from the transition have worn off by now, and 

I’m doing well in school. The problems that arise are 

nothing I can’t handle and I’m glad that I was fearless 

on that first day. 

Holly is a student at McDowell High School and the daughter of Cindy Benson, a member of LCBA’s Outreach Support Team. 

Do you have your own great story to tell? Let us know. Email marcia@lcbalife.org or send a more 

traditional note to: LCBA, Attn: Marcia, PO Box 13005, Erie, PA 16514. Please be sure to let us know 

how we can reach you to get more details! 


Branch 1556 

Report 

LCBA’s Blessing & Grand Opening 

Spring is finally here and it is a time for transition and growth. As Doug mentioned in his president’s message, 

LCBA’s biggest transition is almost complete and we are all invited to join in the celebration! Come tour the 

new building, meet the home office crew and join us in a continental breakfast. Hope to see you there! 

When: Friday, June 7 th at 10:00 am | Where: 8811 Peach Street ~ Erie, PA 16509 

Scholarships, Scholarships, Scholarships! 

Let’s take advantage of our Member Benefits. Wouldn’t it be great to receive a scholarship up to $2,500 for you, 

your child or your grandchild? Don’t forget to apply for one of the five different scholarship options available to 

you. Applications can be found online at www.lcbalife.org under the “Benefits” tab. But hurry, applications are 

due into the home office by May 1, 2013! 

Calling All Branch 1556 Members 

Do you have a community outreach project or fundraiser in your area that needs support from other Branch 1556 

members? Do you have a story, pictures or a great fundraising idea you would like us to share? Contact me at 

marcia@lcbalife.org or 1-800-234-5222 ext. 226. 

Have a Beautiful Day! 

Respectfully submitted, 

Marcia Twinem 

LCBA’s Branch Rules & Regulations require minutes 

for this large branch overseen by the LCBA Home 

Office to be published in Direction magazine. 

LCBA Wellness Cookoff 

LCBA’s fourth annual wellness cookoff was held on Friday, February 1 st 

and the Silver Spoon Award was won by Pam Leins for the second year in 

a row! The cookoff is a yearly contest held amongst LCBA employees to 

determine the best healthy meal recipe that is quick and easy to prepare, 

budget friendly, and a nutritionally healthy choice. Acting as Honorable 

Healthy Recipe Judge this year was our own Paul Kenny, who had the 

difficult choice to make between three very delicious meals. According 

to Pam, he chose wisely. Can she make it a three-peat? 

See one of Pam’s other favorite recipes on page 17. 

How much are your CDs and IRAs earning? 

Call the LCBA Agency to find out what you could be earning: 1-800-234-LCBA (5222) 


Other Fraternal 

News 

Branch 49 Sponsors Neighborhood Christmas Party 

On December 1, 2012, our local Branch 49 sponsored a much anticipated Neighborhood Christmas Party at 

the Bethany Outreach Center in Erie. A team from the LCBA home office was blessed to be able to volunteer 

with other Erie organizations. Santa and Mrs. Claus were both in attendance to distribute gifts to underprivileged, 

neighborhood children and their mothers. There were games, snacks, letter writings to Santa, stories and coloring 

for all. Thanks for inviting us Branch 49, we had a wonderful time! 

FOY Award Presentation 

A group of LCBA employees were invited to spend the evening of December 12, 2012 

with Branch 1425 in Ford City, PA for their Christmas dinner and meeting. President 

Doug Tuttle awarded Dorothy Vojna her Fraternalist of the Year award and gave the 

branch its Gold BROOM Award as well. Congratulations again to Dorothy and to all 

the members of this very active branch! 

Has your branch reached out to your community or anyone in need lately? If so, we 

would love to share it in our next Direction magazine. Please email your story (big 

or small) with any pictures to marcia@lcbalife.org or snail mail me at LCBA, Attn: 

Marcia, PO Box 13005, Erie, PA 16514. 

Generosity Footprints 

Congratulations to our recent contest winners - www.facebook.com/lcbalife for photos & more info. 

Meet our 1st Place $10,000 Winner 

LifeWorks Erie is a non-profit organization that provides medical care, community preventative services, and senior 

center services in Erie, PA. LifeWorks Erie will use the prize money to further develop and expand their Creative 

Aging Program. This program offers classes in the following forms: visual arts, instrumental music and theater to 

improve health and wellness in our senior community. 

Presenting our 2nd Place $2,500 Winner 

Oxford Seniors is a non-profit organization that provides programming and activities for senior citizens in Oxford, 

OH. Oxford Seniors will use the prize money to further plans to develop and expand a network of web based 

services and personal providers to serve senior citizens in the city of Oxford and the four surrounding townships. 

And our 3rd Place $1,000 Award Winner 

Hospice of the Western Reserve, a non-profit organization based in Cleveland, OH, provides patients whose 

life expectancy is shortened, the unique experience to celebrate life, be comfortable and enjoy the time they have 

left. Hospice of the Western Reserve will use the prize money to create a unique and ideal experience for seriously 

ill Veterans at the end of life while educating staff on how military experiences have affected Veterans. 


2013 Election Results 

LCBA Board of Directors 

All votes were cast, certified by the LCBA Board Elections Committee and accepted by the LCBA Board of 

Directors during our April 6, 2013 Board meeting. The incumbent board members were re-elcted to 4-year 

terms with Fr. Senyo receiving votes on 90% of the ballots cast, Barb Waclawek received votes from 85%, Ward 

McCracken received votes from 80%, Bob Muth received votes from 75%, Matthew Dupee received votes from 

73.5% and Pat DeCesare received votes on 67.5% of the ballots cast. 

Bob Muth Ward McCracken 

Matthew Dupee Barbara Waclawek Fr. Michael Senyo 

Next year the seats currently occupied by Directors Nancy Klemp, Karen Balaban, Esq. and Paul Kenny will be up 

for election. In our continuing efforts to move to biannual elections, each of these seats will be open for a two 

year term. 

Thanks to all of this year’s candidates for being willing to run and to serve. And thanks, as well, to every member 

who voted! Your voice matters in the governance and safekeeping of our shared Association. 

Current Board of Directors 

After formally accepting the election results at 

the spring board meeting, our current Board of 

Directors took a moment to pose for a photo. Our 

National Board consists of nine seats with one of these 

seats a restricted seat for the Orthodox Division. The 

Board defines the principle policies and strategies of the 

Association and provides oversight of the management 

and affairs of the Association. 

Pictured from left to right: (back row) Robert Muth, 

Meadville, PA; Doug Tuttle, President/CEO; Ward 

McCracken, Erie, PA; Matthew Dupee, Binghamton, 

NY; Paul Kenny, Erie, PA; (front row) Karen Balaban, Esq, 

Harrisburg, PA; Nancy Klemp, Leavenworth, KS; Barbara 

Waclawek, Buffalo, NY; Anne Sweigart, Bluffton, OH. 

(Not pictured: Fr. Michael Senyo, Allison Park, PA). 


Christ is Risen! 

by Father Michael Senyo 

For Orthodox Christians celebrating the Holy Pascha on May 5, the joy of bowing down 

in worship before the Risen Savior comes after the long period of preparation called 

the Great Fast. The Lent, for Orthodox Christians, is key to the worthy celebration of the 

Holy Pascha. During that entire period, the Church serves to awaken hearts, revealing to 

the faithful all the states of emotion connected in our hearts, to take a look at that which 

is within us. And when this examination of our souls led us to repentance, we approached 

the Holy Cross and venerated it, gaining the remission of sins through the Sacrament of 

Confession, the forgiveness of sins attained through the Cross of our Lord. The ascetical 

efforts of increased prayer, fasting and almsgiving which lead us toward the great “Feast of 

Feasts”. But the Holy Pascha calls us again to look even more deeply into ourselves. We 

must continue our way, which began on Forgiveness Sunday. Pascha is the goal. It is not the 

end of the efforts. 

On the Holy Night, we are given a symbol: in the darkened church we hear the angelic 

singing telling us about the Resurrection of Christ. And so we begin our way, processing 

around the church, holding candles, carrying banners and icons. Before us is the Cross, 

elevated on high. The images of the saints and the Mother of God also become our fellow 

travellers into the heavenly Kingdom. As we walk around our churches, we might notice 

the paths are not always perfect: the ground might be uneven, there are bumps and stones 

and sometimes mud or snow. At the same time, we walk in the dark of night. Leading 

our procession are signs - the Cross, the clergy in their bright vestments, the singers and 

servers bearing icons. And as we go around the church, we notice the lights are coming on 

within it as those who stayed inside are preparing for the entry into the “light that knows no 

evening.” 

What are our thoughts? Joy. Anticipation. Love. Remembrance of past processions in the 

Paschal night. Will we enter? Will we be able to stay in this light forever? Will we fail, or be 

revived? Will we be changed? In this way, the Holy Church reminds us of the way we must 

go through during the rest of the year. Maybe the Lord will take us, or maybe once more 

we will visibly enter the church where the Resurrected Christ will enter into our soul. We 

enter in, and begin the festal service in the light of a blazing church, and hear the words 

of Christ: “Peace be unto you” (Luke 24:26). Peace is His first gift to us following His rising 

from the Tomb. And we must keep this peace, and this “peace” tells us they way we should 

go, because after the Paschal matins and Liturgy, we go out into the light of day and we see 

things all the more clearly now. We are in the Lord and His peace rests within us. We walk in 

the light of the sun which, in a spiritual sense, is the result of God’s plan of salvation for us. 

Jesus Christ, the Son of God, has shown us the light of His Resurrection. Now we must walk, 

but not in silence. We proclaim to the world and to all of God’s creation: “Christ is Risen! 

Indeed He is Risen!” The Gospel itself orders us: Go and preach to all nations (Matthew 

28:19; Mark 16:15; Luke 24:47). Hear this again, “all the nations”. Christ is Risen! 

May the Lord help us to feel and experience this! 

Orthodox Division 

Advisory Council 

Eileen Lydon 

Marge Hopkosky 

Marie Kucia 

Helen Michak 

Michael Pilat 

Nick Ressetar 

Walter Rusnak 

Ed Selavko 

11 Direction Magazine - Spring 2013 www.lcbalife.org 

LOYAL CHRISTIAN BENEFIT ASSOCIATION 

ORTHODOX DIVISION

Loyal Christian Benefi t Association 

Board of Directors Fall Board Meeting 

November 30 & December 1, 2012 

LCBA Home Offi ce - 700 Peach Street, Erie, PA 

Present were: 

Douglas Tuttle, President/CEO 

Robert Muth, Chairperson of the Board of Directors 

Directors of the Board: 

Anne Sweigart 

Barbara Waclawek 

Karen Balaban 

Matthew Dupee 

Fr. Michael Senyo 

Nancy Klemp 

Paul Kenny 

Ward McCracken 

Guests: 

VP- Finance/Treasurer – Ross Aresco 

VP- Administration/Secretary – Becca Black 

VP- Sales & Marketing – David Fresch 

VP- Operations – Alex Miller 

Friday, November 30, 2012: The Board met for a tour 

of the new building and for its annual Christmas Dinner. 

Saturday, December 1, 2012: Chairperson of the 

Board, Ward McCracken, called the meeting to order 

at 8:32am and remembered the following: Sick & 

Recovering: Nina McCracken, Laven Parker, A’Myrcle 

Champion, Mary Ann Donnelly. Special Intention: Cheryl 

Reinhardt and Prayers of Thanksgiving: Mary Muth. He 

then asked Fr. Senyo to give the opening prayer. 

Acceptance of the September 2012 Board Meeting 

Minutes: Chairperson McCracken called for a motion 

to accept the minutes from the September 2012 Board 

Meeting. A motion to accept the minutes as presented 

was made by Director Balaban, seconded and carried 

unanimously. 

Chairperson McCracken recessed the LCBA Board 

Meeting at 8:38 am in order to conduct the LCBA 

Agency Board Meeting. 

LCBA Agency Board Meeting: Chairperson of the 

Board, Ward McCracken called the LCBA Agency Board 

Meeting to order at 8:39 am. 

VP- Sales & Marketing, David Fresch, reported on the 

year to date results, projections for 2012. 

VP- Sales & Marketing Fresch reported that after the 

first of the year, the Agency personnel will be staying 

after work one night a week to make proactive calls to 

members to see if there is anything they need: IRA’s, 

Medicare supplements, etc. Discussion ensued regarding 

the Agency. 

Director Kenny made a motion to adjourn the Agency 

meeting at 9:00 am; the motion was seconded and 

carried unanimously. 

Chairperson McCracken reconvened the LCBA Board 

meeting immediately. 

Year to Date Results: President/CEO Doug Tuttle 

reviewed the Goals for 2012. 

Mr. Tuttle reported that the LCBA budget (in its entirety) is 

4.71% under budget for 2012. 

VP- Finance/Treasurer Ross Aresco reviewed the Year to 

Date Financial Results. Mr. Aresco noted that through the 

third quarter there are some very good results. Operating 

expenses are down considerably. Mortality is favorable 

and annuity benefits have also decreased. General 

expenses are down by 8.1%. 

VP- Finance/Treasurer Aresco reported on the Year to 

Date Benefit Expenses noting that overall the benefit 

payouts were down 5%. Mr. Aresco reviewed the budget 

comparison spreadsheet. 

VP- Finance/Treasurer Aresco reviewed the Wellington 

Management slides and answered all questions the 

Board has with reference to the portfolio. 

2013 Sales Projections: President/CEO Tuttle stated 

that he & VP- Sales Fresch would be tag-teaming the 

2012 Pre-Need Sales Results/2013 Sales Projections. He 

reported on each Pre-Need Region; a discussion ensued. 

2013 Initial Budget: VP- Finance/Treasurer Ross Aresco 

reported on the initial budget as developed by the 

Executive Team. 


Mr. Aresco noted that there will be a very slight increase 

in the 2013 budget. Labor costs and employee benefit 

costs are projected to be lower than in 2012. All 

employee benefits were reviewed and where feasible, 

some changes will be made. 

Director Balaban made a motion that the annual board 

stipend be increased from $5,000 to $6,000 per year, 

payable quarterly; seconded and carried unanimously. 

Director Balaban made a motion to increase the Board 

Chair’s stipend to include an additional $1,000 above 

the base Board stipend of $6,000 to begin in 2013. The 

motion was seconded and carried with a majority vote 

(9). Board Chairperson McCracken abstained from the 

vote. 

General discussion regarding the board attending the 

Annual Fraternal Alliance Meeting ensued. The Board 

agreed to wait until later in 2013 to make this decision. 

All agreed that Board education is necessary and the 

experience of an AFA meeting would be helpful; however, 

the decision will be deferred until June of 2013. 

VP- Finance/Treasurer Aresco continued to review the 

2013 Budget. 

President/CEO Doug Tuttle mentioned that LCBA accrues 

$7,500/year for a convention since 2008. This money 

has been set aside for some type of “social convention”. 

Ideas such as a cruise, a night at the ball game, selling 

chances on a sports car, etc have been tossed out. 

Branch 1556 is considering this type of fundraiser 

using online sales. This could be easy and create some 

excitement. 

President/CEO Doug Tuttle proposed an increase in 

Branch Matching Funds from $1,000 maximum a year 

to $2,000/year. Director Balaban made the motion 

to increase Matching Funds from $1,000/year to 

$2,000/year. The motion was seconded and carried 

unanimously. 

A motion was made to accept the preliminary 2013 

budget as presented by Director Kenny, seconded and 

carried unanimously. 

Reports/Updates: 

Relocation of National Headquarters – VP- Operations 

Alex Miller reported that phone line/electricity install are 

currently the hold up. The plan is to move on the 14th 

of December. The moving team will work through the 

weekend. All employees will report to work on Monday, 

the 17th to begin the unpacking/organizing/settling in. 

Enterprise Risk Management Presentation: President/ 

CEO Tuttle introduced Mr. Weindorf to the Board. 

He noted that the Board had received a copy of Mr. 

Weindorf’s presentation. 

At this time, Mr. Weindorf presented his recommendations 

for each area of the Association: Board, Finance, 

Human Resources, Operations/Information Technology, 

Marketing and Sales. 

President/CEO Tuttle stated that the Executive Team 

would work on the responses to this report (and how they 

will be addressed) and the Board would be updated as 

they occur. Mr. Tuttle also stated that all responses would 

be reviewed at the next Board meeting. 

A motion to accept the report given by Joseph Weindorf 

on Enterprise Risk Management and to review his 

recommendations to the Board (and implement those 

considered appropriate) was made by Director Sweigart, 

seconded and carried unanimously. 

Generosity Footprints & Facebook: VP- Sales & 

Marketing Fresch reviewed the use of Facebook by 

LCBA. 

Mr. Fresch reported that Generosity Footprints is ongoing. 

This year the program began on October 1st and there 

are three participants: Lifeworks Erie (Erie, PA); Oxford 

Seniors (Southern Ohio) and Hospice of the Western 

Reserve (Cleveland area). 

VP- Sales & Marketing Fresch noted that a limited 

number of funeral homes have shown some interest 

in being involved in a branch; in particular, one in 

Pittsburgh. The LCBA agency team did a workshop on 

Medicaid Supplements and Advantage programs. The 

response was good for LCBA but the goodwill for the 

funeral home was even better. The focus of this particular 

branch would be a parochial school. There are already 

two organizations helping the school at this time. There 

are people who have come forward to help organize the 

branch. 

VP- Sales & Marketing David Fresch and VP- Operations 

Alex Miller reported on the new LCBA website and how it 

will correlate and allow voting in the next LCBA election. 

Committee Reports: 

Election Committee – Chairperson Waclawek reported 

that there is a slate of five (5) Candidates for four (4) 

LCBA open seats and one candidate for the OSA seat. 

All of these candidates are running for a 4 year term: 

The five candidates for LCBA are: Barbara Waclawek, 


Ward McCracken, Matthew Dupee, Robert Muth & 

Patrick DiCesare. One candidate running unopposed for 

the OSA seat: Fr. Michael Senyo. 

A motion to accept the slate as presented was made by 

Director Waclawek, seconded and carried unanimously. 

Director Sweigart suggested that the rules for Election of 

Directors be incorporated into the minutes. 

President/CEO Tuttle reviewed the seats of the Board 

and when each seat becomes available. A motion was 

made by Director Sweigart of the Election Committee to 

accept the above as presented, seconded and carried 

unanimously. 

Governance Committee – Chairperson Balaban 

distributed the Governance Committee Charter as 

revised. Director Balaban moved for the adoption of the 

Charter, motion seconded and carried unanimously. 

Chairperson Balaban noted that the Board of Directors 

Full Board Evaluation Form has already been used, 

but that the form needed to be approved. She moved 

for approval, the motion was seconded and carried 

unanimously. 

Chairperson Balaban reported that the committee has 

reviewed a Board Member Self-Evaluation Form. Atty. 

Balaban moved for the adoption of this form, motion 

was seconded and carried unanimously. 

by Robert Frost (1915) 

Oh, give us pleasure in the flowers to-day; 

And give us not to think so far away 

As the uncertain harvest; keep us here 

All simply in the springing of the year. 

Oh, give us pleasure in the orchard white, 

Like nothing else by day, like ghosts by night; 

And make us happy in the happy bees, 

The swarm dilating round the perfect trees. 

Chairperson Balaban moved for acceptance of the 

Governance Committee Report as presented, the motion 

was seconded and carried unanimously. 

Audit/Finance Committee – Chairperson Kenny 

reported that Malin & Bergquist have been engaged for 

the annual audit and will be arriving at LCBA on the 20th 

of December to conduct some planning field work. They 

expect that the actual fieldwork will commence in March 

of 2013. 

Chairperson Kenny reviewed the Investment Purchases/ 

Sales for the time period including 9/7/2013 to 

11/29/2013. Mr. Kenny made a motion to accept the 

Investment Purchases/Sales for this time period, the 

motion was seconded and carried unanimously. 

Other Business: 2013 Board Meeting Dates – April 

5-6, 2013; June 7-8, 2013; September 6-7, 2013 & 

December 6-7, 2013. Director Muth made a motion 

to set the meeting dates as proposed, the motion was 


A motion to recess the meeting to go into Executive 

Session at 4:20 pm was made by Director Waclawek, 


A motion to adjourn the meeting at 5:00 pm was made by 

Director Waclawek, seconded and carried unanimously. 

A Prayer in Spring 

And make us happy in the darting bird 

That suddenly above the bees is heard, 

The meteor that thrusts in with needle bill, 

And off a blossom in mid air stands still. 

For this is love and nothing else is love, 

The which it is reserved for God above 

To sanctify to what far ends He will, 

But which it only needs that we fulfill. 


If there is anything a fraternal organization should be, it’s personal and responsive. We at LCBA are dedicated to 

you, our members and responding to your needs. In an effort to be a little more personal, we thought we would take 

the time to introduce you to the LCBA Family of employees. Here we shine the spotlight on our Accounting Team. 

Get to know your 

LCBA Family 

Our “Bean Counters”: Janice, Phyllis, Ross & Pam at the Second 

Harvest Food Bank during LCBA’s Community Outreach Day 

Janice Steffy, Accounts Payable and Investment 

Accounting Associate ~ Janice has worked at LCBA 

for 26 years - 27 this August - and worked in data entry 

at Erie Insurance before transitioning to LCBA. She has 

both a son and a daughter and in her free time likes to go 

to the casinos, watch TV while playing “Free Cell”, and 

reads (voraciously). She also likes doing collaborative 

crossword puzzles on her lunch hour and notes that she 

does not like exercising or eating right, but does enjoy 

her job very much. Additionally, Janice doesn’t think 

that she would like going to amusement parks or riding 

horses as hobbies (as she’s just too fragile). 

Direction on the go 

Oh, we’d love to know of the places you’ll go! Take your latest Direction 

magazine with you on your next vacation, snap a picture with it and send it to us. We’d 

love to see all of the exciting places our members retreat to and share them! Pictured: 

Our very own Dave Fresch, VP of Sales & Marketing in beautiful Jackson Hole, WY. 

Phyllis Reese, Accounting Associate ~ Phyllis 

holds an Associate Degree in Business Administration 

and has over 25 years of accounting experience in 

General Contracting, Property/Casualty Insurance 

and Medical. She has been with LCBA since 2011 and 

enjoys spending time with her family (her husband, 

Jim, her daughter and two step-sons), spending time 

outdoors and bike riding. 

Ross Aresco, Vice President - Finance ~ Ross 

holds a B.S. in Business Administration from Skidmore 

College in Saratoga Springs, NY and started with 

LCBA in September of 2006 as Controller and 

then transitioned to the VP- Finance position in 

March of 2008. He is responsible for the day-today 

financial management, budgeting, tax reporting 

and compliance and the design and implementation 

of internal controls. Born and raised on a 40-acre 

Christmas tree farm in East Hampton, CT, Ross met 

his wife, Michelle, during their freshman year at 

Skidmore. They have two young children, Cameron 

and Casey, and are both avid sailors. Some of Ross' 

other passions include cycling, cooking and reading. 

Pam Leins, Compensation Specialist ~ Pam 

attended Penn State Behrend and has been at LCBA for 

13 years. Her family consists of her husband, Michael, 

her two step-daughters Karen and Pamela, and her 

two four-legged kids, Higgins and Harley. Pam’s 

hobbies and activities include cooking, volunteering, 

needlework, singing and fishing. 


2012 Annual 

Financial Report 

Statement of Financial Position 

December 31, 2012 & 2011 

Assets 2012 2011 

Bonds 172,785,121 172,476,314 

Stocks 304,386 320,882 

Real estate 1,758,159 0 

Certificate loans 1,073,430 1,141,125 

Cash & cash equivalents 191 310 (211,081) 

Short term investments 4,392,983 1,692,311 

EDP equipment 16,723 21,326 

Income due & accrued 2,150,468 2,073,620 2 

Total Assets $182 672 580 $177,514,497 4,497 

Liabilities & Surplus 

Certificate reserves 165,058,877 160,137,371 

160,1337,371 

Deposit-type contracts 7,739,882 8,224,898 8,224 898 

Certificate Claims 733,107 1,332,853 1,332 853 

Provision for dividends 617,384 721,794 72 794 

Advance Premiums 182,934 209,688 688 

Investment reserves 2,757,919 9 2,221,035 2,22 035 

Pension reserves 33,647 647 39,770 39 770 

Other liabilities 803,723 723 683,212 68 212 

Fraternal reserve 0 1,000,000 000 

Unassigned funds 4,745, 4,745,107 , , 107 2,943,876 2,943 , 876 

Total Liabilities & Surplus $182,672,580 $182,672, 

80 $177,514,497 

$177,51 97 

Statement of Operations 

Years ended December 31, 2012 & 2011 

Income 2012 2011 

Life Premiums 7,239,252 7,453,803 

Annuity Premiums 10,195,617 17,127,819 

Investment income 9,125,922 8,886,733 

Other income 251,773 196,877 

Total Income $26,812,564 $33,665,232 

Member Benefits 

Death benefits 4,007,304 4,975,180 

Life & annuity benefits 12,691,422 14,816,290 

Reserve changes 4,921,506 9,082,797 

Total Member Benefits $21,620,232 $28,874,267 

Operating Ope p Expenses 

Co Commissions 625,357 884,480 

General Expenses 2,931,952 3,225,459 

Taxes 142,618 175,004 

TTotal 

Operating Expenses Exp 3,699,927 4,284,943 

Tota Total benefits & expenses expens $25,320,159 $33,159,210 

Net ggain 

ain from operations operatio 1,492,405 506,022 

Inve Investment ment capital gain 

(loss) (41,979) 461,286 

Div Dividends ds Incurred 

(490,623) (731,989) 

Net Income In ome $959,803 $235,319 


2012 Annual 

Financial Highlights 

by Ross Aresco, VP- Finance 

Spread management, expense reduction, and favorable mortality were key factors leading to the increase in 

net income and gain to surplus experienced in 2012. 

Overall portfolio investment quality: An average rating of A and 95% of bonds at investment grade. 

Reinvestment rates remained low in 2012 leading to a 20 basis point reduction in book yield following an 

18 basis point reduction in 2011. 

Pre-Need premiums decreased 5% after increasing 10% in 2011. Premiums have grown on average over 

the past 5 years but the rate of growth has slowed due to challenges in the interest rate and competitive 

environments. Non Pre-Need annuity sales decreased 42% following significant increases in the prior two 

years. Management continues to evaluate territorial expansion and product development. 

General expenses decreased 10% in 2012 due to savings from selling the home office the prior year, 

reduced marketing efforts, and higher than average expenses in 2011. Expenses remain well controlled and 

at pre-2006 levels. Commissions decreased 29% due to reduced non-Pre-Need annuity premiums and the 

mix of business. 

Spring Recipe: Pineapple Coconut Bites 

 

 

 

 

 

Contributed by Pam Leins, LCBA Compensation Specialist 

1 1/4 cup crushed pineapple 

1 tbsp. honey 

1 tbsp. cornstarch 

1/2 cup almonds 

6 tbsps. confectioners’ sugar 

 

 

 

 

1. To prepare filling: Spoon pineapple into a small 

saucepan with honey and cornstarch. Cook over 

medium heat, stirring frequently, until thickened, about 

three minutes. Let cool. 

2. To prepare dough: Process almonds in a food 

processor until finely ground. Add confectioners’ sugar; 

process to combine. Add whole-wheat pastry flour and 

all-purpose flour; process to combine. Drop butter 

by the tablespoon through the feed tube, processing 

briefly after each addition. Add oil and pulse once or 

twice. Add coconut, cornstarch, salt and vanilla and 

process just until the mixture resembles crumbly, fine 

meal, but will hold together if pressed. 

3. Reserve a scant 1/2 cup of tart dough to use as 

crumbled topping. 

1/2 cup whole-wheat pastry flour 

1/4 cup all-purpose flour 

1/4 cup unsalted cold butter 

3 tbsps. light olive oil 

2 tbsps. unsweetened 

shredded coconut 

1 tbsp. cornstarch 

1/2 tsp. salt 

1/2 tsp. vanilla extract 

17 Direction Magazine - Spring 2013 www.lcbalife.org 

 

 

 

 

4. Preheat oven to 350°F. Line mini muffin pans with 

20 paper cups or non-stick muffin pan. 

5. Drop a scant tablespoon of dough into each paper 

cup. Press the dough into the bottom and up the sides 

of the cup, making a well in the center, to form a 

miniature crust. Spoon 1 1/2 to 2 teaspoons of the 

pineapple filling into each crust and top each with 

some of the reserved crumbs. 

6. Bake until the topping is golden brown and the crust 

is cooked through (watch carefully toward the end and 

move the pan to the bottom rack if the top begins to 

brown before the bottom crust is done), 20 to 

25 minutes. Let cool in the pans. 

Makes 20 mini muffins.

Learn how to create a beautiful, natural environment that will attract butterflies to your garden. Discover which 

plants butterflies and caterpillars are drawn to, and how to strategically place these plants so that your flower 

garden will abound with the beauty of butterflies all summer long! 

Designing a Natural Habitat 

for Butterflies 

by April S. Kenyon 

Enjoy the beauty of butterflies all summer long by creating a natural habitat for them right in your own 

backyard. 

Choosing an Area For Your Garden 

The first step in creating a natural area that will attract 

butterflies and caterpillars is picking a spot. Make 

sure to locate your garden in an area with plenty of 

sunshine and a shelter from the wind. Some ideas for 

creating a sheltered area might include a gazebo, 

a constructed wall, or trees and shrubbery arranged 

in such a way as to ward off the wind. Not only will 

Selecting Plants For Your Garden That Will Attract Butterflies 

Perhaps the most important step in creating a natural 

habitat for these beautiful creatures 

is in the selection of plants to be 

placed in your garden. While 

there are a number of colorful and 

fragrant flowers and shrubs that 

butterflies are drawn to, they are 

rather particular when choosing a 

host plant to lay their eggs upon. 

Shape, fragrance, and color are 

three vital elements to consider 

when choosing plants to attract 

and maintain butterflies. Unlike 

hummingbirds, butterflies are not 

capable of hovering in one spot 

for any length of time and need 

a place to land. For this reason, 

the shape of a flower is extremely 

important. Flowers that make it 

easier for butterflies to land include 

those with large clusters such as 

would be found on a butterfly 

this shelter help defend against the wind; it will also 

serve as a protection against the butterfly’s natural 

predators. Natural sources of water, such as puddles 

or small ponds, will provide butterflies with essential 

nutrients needed for their well being, and should be 

a consideration when selecting an area to create a 

habitat that will attract butterflies. 

bush or hollyhock. Flat topped flowers like Zinnias or 

Marigolds, and composite flowers, 

including the purple coneflower 

or cosmos, also provide a stable 

landing base for butterflies. 

Because a butterfly’s vision is 

extremely limited to motion, color, 

and light, it is attracted to strong 

colors on the light spectrum, such 

as purples, oranges, and yellows. 

As you are selecting plants for 

your garden, keep in mind that a 

butterfly’s vision is but a mere blur, 

and deep, bright colors play a large 

part in attracting them to a plant. 

While color and shape play vital 

roles in plant selection, fragrance is 

also extremely important. It is, after 

all, the deep fragrance that attracts 

butterflies to begin with. Choose 

plants with a heavy perfume such 

as Lavender, Lilac, or Honeysuckle. 


Selecting Plants For Your Garden That Will Help Maintain Butterflies All Season 

Finally, don’t forget when planning and implementing 

your butterfly garden, to include a large amount of 

host plants in your garden for the caterpillars. Some 

common plants caterpillars host on include Milkweed, 

Nasturtium, and Sunflowers. By choosing the right 

host plant, you are providing the food the caterpillars 

must have in order to prepare themselves for the 

Tips & Warnings 

Plants for caterpillars to host on include: Anise, 

Aspen, Apple, Cabbage, Carrot, Cherry, Citrus, 

Clover, Fennel, Grasses, Hollyhock Lilac, Milkweed, 

Nasturtium, Parsley, Plantain, Sassafras, Snapdragon, 

Sunflower, Verbena, Violet, and Willow. 

Plants that will attract and provide nectar for butterflies 

include: Anise, Aster, Bee Balm, Black-eyed Susan, 

Butterfly Bush (Buddleia), Carrot, Chrysanthemum, 

Clover, Cosmos, Daisy, Day-lily, Hibiscus, Hollyhock, 

metamorphosis from larvae to the beautiful winged 

butterflies you are attempting to attract in the first 

place! By selecting plants and flowers that will bloom 

all season long, and choosing the proper host plants 

to sustain the caterpillars in their transition, you will 

be assured of enjoying the presence of butterflies 

throughout the summer! 

Honeysuckle, Impatiens, Lantana, Lavender, Lilac, 

Marigold, Mint, Mustard, Nasturtium, Parsley, Phlox, 

Queen Anne’s Lace, Sunflower, Thistle, Verbena, 

Violet, and Zinnia. 

Avoid Using Pesticides of any kind in your garden. 

Even organic pesticides will have a devastating effect 

on the butterflies and caterpillars. The best way of 

controlling pest problems is with the use of beneficial 

insects such as praying mantis or ladybugs. 

Enjoy your natural butterfly habitat and the beauty that will be sure to follow! 

Visit our Facebook page at www.facebook.com/lcbalife and share a photo of your butterfly 

garden on our wall. “Like” us to keep up-to-date with our news, events, and happenings. 


Frequently Asked Questions 

Q: Can I get my pets’ prescriptions 

filled at the same pharmacy I get 

my own prescriptions filled? 

A: Many medications prescribed for 

pets are the same medications that 

are prescribed for humans and can 

legally be filled at your local retail 

pharmacy. 

Q: How can I save on the cost of 

medications for my pets? 

A: Simply present your ScriptSave ® card 

along with your pet’s prescription at 

a participating retail pharmacy and 

start saving – it’s that simple! 

Q: Can all of my pets’ medications 

be filled at a retail pharmacy? 

A: Not all pet medications can be 

filled at a retail pharmacy - only 

those with a human equivalency 

- but many medications such as 

antibiotics, thyroid medications, 

arthritis and pain medications, 

ear and eye medications can. 

Prescriptions for these medications 

must be written by a licensed 

veterinarian. Contact your local 

pharmacy to see if they carry your 

pets’ medications. 

ScriptSave works for your entire 

family—including your pets! 

• 

• 

• 

• 

• 

• 

Prescription 

Savings 

Even for your Pets! 

Your ScriptSave ® Prescription Savings Card provides 

savings on prescribed medications for you and your 

family and for your pets too! 

To save on pet medications ask your veterinarian if 

there is a human equivalent of the medication being 

suggested and request a prescription. 

Savings average 36%, with potential savings of up 

to 75% (based on 2012 national program savings 

data) on brand name and generic prescriptions. All 

prescription drugs are eligible for savings. 

Accepted at over 62,000 participating pharmacies 

nationwide. 

No paperwork to fill out, no monthly or enrollment 

fees, and no limits on usage. 

Savings on ALL brand name and generic 

prescriptions. 

Additional savings on vision and hearing care, plus 

fitness, safety and medical supplies. 

Questions? Log onto www.scriptsave.com using Group 194 or call 1-800-700-3957 

DISCOUNT ONLY – NOT INSURANCE. Discounts are available exclusively through participating pharmacies. The range of the discounts will 

vary depending on the type of provider and services rendered. This program does not make payments directly to providers. Members are required 

to pay for all health care services. You may cancel your registration at any time or file a complaint by contacting Customer Care. This program is 

administered by Medical Security Card Company, LLC (MSC) of Tucson, AZ.

TRANSITIONS - Loyal Christian Benefit Association

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