NBUSA Spring Quarterly 2026

QUARTERLY

Social Security

“Social Security is a major part of most Americans’ retirement plans, but most people don’t really understand how it works.” Read more on page 4.

NBUSA Quarterly is published by Nazarene Benefits USA to inform church leaders and employees about matters of clergy finance, along with articles of encouragement, spiritual enrichment, and wellness. Non-copyrighted information may be shared in newsletters and electronic communications.

EXECUTIVE DIRECTOR

Kevin P. Gilmore

DIRECTOR OF OPERATIONS

Roger Creeden

EDUCATION MANAGER

Emily Bartlett

OFFICE MANAGER

Lavonne Rieck

TECHNOLOGY SUPERVISOR

Ron Bell

COMPLIANCE AND BENEFITS MANAGER

Keith Hindman

COMMUNICATION SPECIALIST

Calata Bagunu

17001 Prairie Star Pkwy, Lenexa, KS 66220-7900 benefits@nazarene.org 888.888.4656 | nbusa.org Mon-Fri: 8am-4:30pm CT

FROM THE EXECUTIVE DIRECTOR

Choose Your Path to Retirement

BY KEVIN P. GILMORE

Ministry is a calling, not just a career. For many pastors and church leaders, the idea of retirement can feel distant, uncomfortable, or even out of place. When your work is so closely tied to your identity and sense of purpose, stepping away is not something you naturally plan for. Yet, despite our best intentions and deepest devotion, retirement is coming for all of us.

For some ministers, retirement will be a thoughtful and prayerful decision. They will reach a season when they feel ready—financially, physically, and emotionally—to transition into a new chapter of life. With adequate preparation, this transition can be marked by peace rather than pressure, allowing ministry to continue in different forms without the weight of financial necessity. This kind of retirement does not happen by accident; it is typically the result of years of quiet, faithful planning and saving.

For many others, however, retirement is more of a hope than a plan. Ministry often involves modest compensation, frequent transitions, and a consistent tendency to put others’ needs ahead of one’s own. Saving for the future can feel impossible when present demands are so real and so urgent. It is not uncommon for ministers to assume they will simply “keep serving” as long as they are able. While this dedication is admirable, it can leave little margin when the ability to serve changes.

There are also those for whom retirement arrives unexpectedly. Health challenges, burnout, family responsibilities, or unforeseen changes in ministry settings can bring an abrupt end to active service. In these moments, the absence of preparation can compound stress during an already vulnerable time. What was meant to be a season of rest can instead become a season of worry.

These realities are not shared to assign blame or induce guilt. They reflect the lived experience of many faithful servants who have given generously of themselves for decades. The question is not whether ministers have been devoted enough, but whether they have been supported—and whether they have allowed themselves—to prepare for a future that will inevitably come for all of us…unless the Lord returns first.

With adequate preparation, this transition [to retirement] can be marked by peace rather than pressure, allowing ministry to continue in different forms without the weight of financial necessity.

Planning for retirement is not a lack of faith, nor is it a retreat from calling. Scripture consistently affirms the value of wisdom, stewardship, and foresight. Preparing for the years ahead is one way of caring for the bodies and lives God has entrusted to us, as well as for the families who have shared in the sacrifices of ministry. It also serves the church, ensuring that transitions happen with dignity rather than urgency.

Retirement does not mean the end of ministry. Many retired ministers continue to teach, mentor, volunteer, and serve in meaningful ways—often with greater freedom and joy because financial pressures are reduced. Preparation creates options. It allows retirement to be a season of continued fruitfulness rather than forced withdrawal.

It is understandable to feel behind or unsure where to begin. Many ministers share that feeling. The important step is not to have everything figured out, but simply to begin. Taking time to understand available resources, asking honest questions, and seeking wise counsel can bring clarity and hope. Small steps taken today can ease significant burdens tomorrow.

Retirement will come—by choice, by circumstance, or by necessity. With thoughtful preparation, it can be approached not with fear, but with trust and peace. Caring for the future is not a departure from ministry; it is an extension of faithful stewardship. And it is never too late to begin.

NBUSA exists to support ministers and church leaders throughout their lives. Serving those who serve the Church is at the heart of what we do.

Through the faithful generosity of churches across the United States, the NBUSA Fund enables us to offer guidance, resources, and practical support so that Nazarene ministers retire well—no matter where they are starting from.

Kevin P. Gilmore has served as executive

director

of NBUSA since 2019.

SENSIBLE STEWARDSHIP

Making Sense of Social Security Retirement Benefits

BY AMY ARTIGA

Social Security is a major part of most Americans’ retirement plans, but most people don’t really understand how it works. Whether you’re young or old, opted out, or still participating, here is some important information that you need to know about Social Security retirement benefits.

Social Security Benefit Calculations

You need 40 credit hours to be eligible for retirement benefits. That means you need to have worked and paid into the system for at least 10 years (in 2026, $1,890 of income earns you one credit, and you can earn up to four credits per year). Yet, only working 10 years won’t leave you with much of a retirement benefit. Your benefits are calculated based on your top 35 years’ worth of earnings (adjusted for inflation). If you have fewer than 35 years, then the remaining years will have zeros for the calculation.

The benefit that you’ve earned is called your “primary insurance amount” (PIA). That is the amount you are eligible to receive at your full retirement age (FRA), which is 67 for those born in 1960 or later. You don’t have to wait until your FRA to start collecting benefits, though. You can start receiving benefits as early as age 62, but they will be reduced. You can increase your benefit by delaying it as late as age 70. A lot of people start collecting benefits early, but often it is wise to do the opposite and let it grow for as long as possible.

Protection Against Retirement Risks

There are three big risks in retirement that Social Security protects against that your 403(b) and other savings don’t. The first is market risk. If the markets do poorly for an extended period of time, it can be detrimental to your savings. Social Security isn’t tied

to the markets, so your benefit isn’t affected by a market downturn.

Social Security isn’t tied to the markets, so your benefit isn’t affected by a market downturn.

Another risk in retirement is inflation. When inflation is high, your 403(b) becomes less and less valuable as its buying power decreases. Social Security retirement benefits are tied to inflation, so when prices go up, you get a cost-of-living adjustment (COLA). Retirement benefits were increased by 2.8% for 2026 to account for inflation.

The final risk is longevity. You have a limited amount of retirement savings, and one day it will run out, even if you haven’t run out of life yet. Social Security benefits are guaranteed for life, so even if you celebrate your 110th birthday, you’ll keep getting a check.

Because Social Security protects against these three major risks to your retirement savings, it can be a good idea to wait in order to receive the highest benefit possible. Also, when one spouse passes away, the surviving spouse will begin to receive the deceased spouse’s benefit if it is higher than their own. For this reason, I often recommend to my financial planning clients that at least the spouse with the higher PIA wait until age 70 to claim benefits.

What if You Opted Out?

If you opted out of Social Security with Form 4361, that doesn’t necessarily mean you can’t receive retirement benefits. If you have a spouse with earned benefits, you are eligible to receive 50% of their PIA. Form 4361 does not negate spousal benefits. You may also be eligible for benefits from prior or concurrent secular work. The ministerial exemption only applies to ministerial compensation, so you still have to pay into the system (and therefore earn benefit eligibility) for any secular work you do. Opting out does not negate any previous credits earned.

Why You Should Set Up Your Own Social Security Account

Social Security retirement benefits are a valuable resource, so it’s important to understand how they work. I recommend that everyone, even if you’re fresh out of college, set up their own personal account at ssa.gov. There, you can see estimates of the benefits you’ve earned and also your earnings history. I highly recommend checking your earnings history for errors before you file for benefits so that you can get them corrected by the time you need your money. If your earnings record shows $0 when you had income subject to Social Security, you will want to go back and check your tax returns for Schedule SE. Some ministers (and their tax preparers) don’t realize that clergy are supposed to pay their Social Security taxes with Schedule SE rather than through payroll withholding and end up not paying!

Amy Artiga is a Certified Financial Planner (CFP), a Certified Kingdom Advisor™, and author of the clergy personal finance blog PastorsWallet.com. Send questions for Amy to benefits@nazarene.org

Looking Forward to April 15

NBUSA is here to help as the April 15 deadline for filing taxes approaches. The Minister’s Tax & Financial Guide from the Evangelical Council for Financial Accountability (ECFA) offers instructions to guide ministers through the returns and forms needed for tax filing, discusses topics like determining housing allowance, and even includes sample forms.

For church treasurers, the ECFA’s Church & Nonprofit Tax & Financial Guide explains IRS regulations that might be tricky and highlights forms churches are required to file. Tax and compensation memos can also be found at nbusa.org. These informational booklets, reviewed by an independent CPA firm, can help ministers minimize taxes and better understand IRS regulations that apply to them.

Benefit Enhancement

Reminder

Did you know? 2026 brought three new initiatives to support NBUSA’s ongoing commitment to improve benefits for ministers:

1. The 403(b) match has been enhanced to include a 100% match of the first $250 contributed by a minister or their local church.

2. NBUSA has partnered with the COMPASS Initiative to bring a new emergency savings program to local church ministers.

3. Base survivor benefits for active ministers have increased by 20% effective January 1, 2026.

Visit nbusa.org to learn more!

PRESSING ON

Marriage Matters

BY DARON BROWN

As pastors, one of our great privileges is ushering couples through the threshold of a wedding ceremony and into the lifelong rhythm of marriage. However, in recent years, a subtle shift has occurred. The wedding reception has eclipsed the ceremony. The party is now the main event, while the sacred rite is viewed merely as a preamble. This trend mirrors a broader landscape marked by high divorce rates, normalized cohabitation, and a general apathy toward the sanctity of the union. If we are to counter this, we must return to our mandate. The Church of the Nazarene Manual (par. 124.9) charges pastors to “give due care to matters relating to solemnizing marriages.” Giving “due care” requires a robust theology of covenant. In a Christian marriage, the bond between husband and wife embodies and reflects the covenant relationship between God and the people of God. The currency of Christian covenant is self-giving love. Christian covenant is marked by Christ-centeredness, faithfulness, mutuality, and permanence. While our tradition does not regard marriage as a sacrament, it is undeniably sacramental—a means by which we encounter the holy love of God and witness that love to a watching world. As we observe the sacred duty of solemnizing marriages, I propose three practices to help us give due care and promote a healthier understanding of Christian covenant.

While our tradition does not regard marriage as a sacrament, it is undeniably sacramental—a means by which we encounter the holy love of God and witness that love to a watching world.

1. Prioritize Premarital Counseling

Many couples, hearts aflutter, cannot see past their momentary feelings. They operate with an overly

romanticized notion of marriage (thanks, fairy tales and romcoms!). They are not thinking about or talking through topics like, Why marriage? What is Christian marriage? What about religious differences? How do we communicate or handle money or deal with stress? Our Manual (par. 530.1) states that a minister should only solemnize marriages for those “qualified by careful counseling.” Ask the church board to support the pastor by adopting a local policy that requires couples to participate in premarital counseling. Give the policy teeth: The pastor will not give final agreement to officiate the ceremony until premarital counseling is complete. During premarital counseling, teach Christian covenant. Give them good questions. Help them move toward healthy answers. Encourage them to think Christianly about gender roles, parenting, stewardship, conflict resolution, sexuality, and other important topics. Comprehensive premarital counseling resources are available and helpful. Many couples spend untold amounts of time, energy, and money on the wedding day itself (flowers, wardrobe, venue, etc.). Premarital counseling is about every day after the wedding day.

2. Let the Liturgy Speak

The wedding ceremony is not just for the couple; it is a witness to the gathered community. It is an opportunity to declare the mystery and beauty of Christian covenant. Be intentional with the wedding liturgy. In the absence of historically anchored, theologically sound liturgy, people opt for novelty in vows and practices. Personalized vows may be sweet, but they are not sturdy enough to support the weight of Christian

covenant. There is no greater expression of Christian covenant than the sacrament of holy communion. Jesus said, “This cup is the new covenant in my blood…” (Luke 22:20). If the couple agrees, open the table, and open the table to all who are willing. Doing so centers the ceremony on Christ, who is our sure foundation.

3. Provide Post-Wedding Presence

Honeymoons end. Reality sets in. Couples begin to realize that marriage does not run on autopilot. Feelings flicker. Stress compounds. Pray for them. Remind them that you are praying for them. Offer to continue meeting. Revisit conversations from premarital counseling sessions. Direct them to resources. Connect them with seasoned couples for marriage mentoring. Your post-wedding presence will resource and reinforce their covenant life.

As broader culture diminishes the sacredness and seriousness of marriage, the Church has the opportunity to offer a beautiful, countercultural witness. Our God is a covenant-making God, and our marriages are meant to be a living icon of the relationship God has with us through Jesus Christ. Pastors, let us give due care to these matters. Because marriage—Christ-centered, covenantal marriage—matters.

DWELLING WITH GOD

Ponder Anew

BY MARY REARICK PAUL

All of us have times when we feel forgotten, rejected and/or deeply alone. There may be trauma of loss or betrayal for you in this season. Showing up for anything, including church, is a brave act when you are vulnerable. There is also a distinction (with some potential overlap) of carrying grief and pain and the effects of negative self-talk (what we ponder).

Walking the valley of the shadow of death marks all of our lives at some point. The isolation experienced when the grief is especially acute is real. And I pray for God’s strength and provision if this is your journey. There are other times where the negative feelings are not as much connected with trauma as to what thoughts capture our minds. How do we ponder events and words that then inform our sense of self-worth? The source of the negative message can be internal or external. Sorting through the power of these feelings takes some intentional work in prayer, conversations with soul friends, counseling, and more. When our minds and hearts are captured by negative messages, we can be hindered in our experience of God and His calling on our lives.

We may be absorbing messages through a broken filter. For example, a person walking by without saying “Hello” can spiral us into negative assumptions regarding what they think about us, how we have no true friends, etc. In addition, our ability to take one mistake and make it a definition of our personhood is remarkable and harmful. We can take negative thoughts and replay them in such a way the message is given a loud, consistent power over our lives. This can distort our hope for the future in ways that direct our paths.

Negative messages about our self-worth, whether real or interpretive, are powerful. Positive psychology says it typically takes three positive messages to

counteract a negative.1 Some have suggested if the source is a significant person, it may take five positives to counteract the negative. This provides a few challenges for us. The first is an output challenge. We need to think about how we might be the carrier of positive messages for others. As we walk into Lent, we are asked to pray about what to discard and what to take on. Perhaps we should consider taking on the practice of sending out ten positive texts to people in your life each week of Lent. We can ponder anew how God can use our words of affirmation for another.

We might also need to review how we can create practices that counter the negative messages we absorb. We all can seek escape from those feelings with easy access to devices that offer distractions. They can provide a temporary relief but don’t help us move forward. The challenge is to broaden the input to include God’s word, God’s promises, and God’s presence. Ultimately, it’s not just about having a more positive outlook but actually hearing and living into a deeper truth of who God says you are and how He sees your value and purpose and future.

Ultimately, it’s not just about having a more positive outlook but actually hearing and living into a deeper truth of who God says you are and how He sees your value and purpose and future.

Lent is a season of confession. One way I like to think about confession is inviting the light of Christ to shine upon our lives

and speak the truth of what is revealed. This can be things that need to change (repentance) and it can be a planting of new seeds that will make room for God’s love for us to bear new fruit.

One practice that can plant new seeds of God’s life is a breath prayer. Here is an example:

“I praise you because I am fearfully and wonderfully made.”2 (Breathe in for 5 counts.)

“Your works are wonderful. I know that full well.” (Breathe out for 5 counts.)

Repeat as needed.

It takes practice to let the good news of being created in love, and embraced in love, to settle deep in our souls. Pondering and wondering anew gives us space to receive God’s delight over us and a hopeful vision for the future. The third verse of the hymn “Praise Ye the Lord, the Almighty” captures this call to ponder:

“Praise ye the Lord, who doth prosper thy work and defend thee; Surely His goodness and mercy here daily attend thee. Ponder anew What the Almighty can do If with His love He befriend thee.”3

the Nazarene in Bangor, Maine.

1 Robinson, Bryan E. “10 Ways to Apply the 3-To-1 Positivity Ratio.” Psychology Today, 17 Oct. 2020, https://www.psychologytoday.com/us/blog/the-rightmindset/202010/10-ways-apply-the-3-1-positivityratio

2 Psalm 139:14, New International Version

3 Neander, Joachim. “Praise Ye the Lord, the Almighty.” Worship in Song. Lillenas Publishing Company, 1972, p. 73

PAST TO PRESENT

Tom Nees and The Mission Journal

BY STAN INGERSOL

Elton Trueblood contended that authentic Christian witness in the modern world requires three elements be brought into harmony: piety, social concern, and the life of the mind. All three converged in the ministry of Tom Nees.

An inveterate reader with broad interests, Nees graduated from Nazarene Theological Seminary in 1962. He began writing for Herald of Holiness during his first pastorate.

Those early articles clarified Nazarene beliefs, morals, and practices, and bore such titles as “Can a Man be Perfect?”“Moving Beyond Legalism,” and “On Being Open to Sanctification.”1 They reflected the central role of evangelism.

Eventually, themes of Christian social responsibility emerged. In 1974 he wrote: “The witness of our lives includes everything we do and say as a revelation of what we believe and hold to be true.” Good works cannot justify sinners, but they do glorify God, allowing“authentic evangelism” to proceed.2

In 1973, Nees was pastor of First Church of the Nazarene in Washington, D. C., and wrote about the National Prayer Breakfast where President Nixon spoke. He then described some of the Christian networks operating inside America’s capitol city.3

Two years later, a prayer group was organized that evolved into a home mission church in Washington, D.C.’s “riot corridor.” Called the Community of Hope, its ministries grew to include “a health clinic, legal counseling, emergency food and clothing assistance, housing rehabilitation, a shelter for the homeless, tutoring, and a variety of other neighborhood projects.” Themes of urban ministry, care for the poor, and racial reconciliation had moved to the forefront of Nees’ witness.4

1 Herald of Holiness (Sept. 11, 1963): 7-8; (Oct. 13, 1971): 12-13; and (Mar 28, 1973): 10-11;

2 Ibid (Sept 25, 1974): 6-7.

Nees was acquainted with Gordon Cosby, founder of Church of the Savior, an innovative congregation. He was also reading renewal literature, and he absorbed Mildred Wynkoop’s small but interesting book, John Wesley: Christian Revolutionary (1970), which examined early Methodist concern for the material needs of others.

Nees entered a Doctor of Ministry degree program at Wesley Theological Seminary and submitted his thesis on “The Holiness Social Ethic and Nazarene Urban Ministry.” In it, he undertook a comprehensive study of urban and social ministry precedents in early Methodism and in the early Church of the Nazarene. He applied theological insights from Methodist and Nazarene founders to his practical approaches to inner-city ministry in Washington.

Community of Hope launched a monthly paper edited by Estelle Ducharme. Nees noted that the new publication was “a part of our call to urban ministry... we want to open the life of our community to others, to encourage interest, participation and support as we

3 Ibid (April 25, 1973): 10-11.

4 Ibid (Dec. 1, 1982): 6-7.

follow this call to the people for whom the inner city of Washington is home.”5

Nees initially contributed two columns to each issue of The Mission Journal. “Journal Entries” documented personal day-to-day observations of urban ministry, while he shared insights about Wesley and Bresee in “Reviewing Our Heritage.”

His 1977 district board of home missions paper, “Caring for the City,” was excerpted in The Mission Journal. He noted that Community of Hope medical and housing rehabilitation ministries stood financially on their own and constituted “expression[s] of our mission to people in need.”

He added: “Holistic ministry embraces the Gospel with concern and compassion for all the needs of people... Evangelism which appears to be concerned with people while ignoring their physical and social need is evangelism without the Gospel.”6

Nees pled for joining evangelism and compassion, noting that the concepts, “when joined together, bring us close to the essential ministry and message of Jesus...”

In the book Compassion Evangelism (1996), Nees rehearsed the well-known “schism” between evangelism and social ministry in the early twentieth century, driven as it was by the two polarizing

tendencies of fundamentalism and modernism. Nees pled for joining evangelism and compassion, noting that the concepts, “when joined together, bring us close to the essential ministry and message of Jesus. It’s not that compassionate evangelism is a new technique...nor is compassion a means to an end. Christian compassion is a sign of the Kingdom, never to be reduced to an act or a program.”7

Nees went on to hold a series of important offices in the Church of the Nazarene, but his career always reflected the essential character shaped by his Community of Hope days. He said this in an interview in 1977:

“I’ve come to see Jesus as a human being in touch with people at a level of need that I’d never understood in the past. We place a great deal of emphasis in [Community of Hope] on what we call mission groups. The mission group has a journey inward and a journey outward. Our journey outward is our mission. Our journey inward is the development of this relationship with Christ. And we know for ourselves that the journey inward is really more important than the journey outward, for if we make contact with Christ, he will lead us on to ministry and mission.”8

Dr. Stan Ingersol, Ph.D., is a church historian and former manager of the Nazarene Archives.

5 Tom Nees, “In This Issue,” The Mission Journal (Feb. 1976): 1.

6 Tom Nees, “The Meaning of Holistic Ministry, The Mission Journal (Nov. 1977): 5.

7 Thomas G. Nees, Compassion Evangelism: Meeting Human Needs (Kansas City: Beacon Hill Press of Kansas City, 1996): 26.

8 “The Epworth Pulpit Interviews Tom Nees,” Epworth Pulpit (Nov. 1977): 11.

TO YOUR HEALTH

Diagnosing Alzheimer’s Disease and Comparing Early Symptoms to Normal Aging

BY STEPHEN A. WILSON

Alzheimer’s disease (AD) is a scary thing. In a recent survey, it was the disease most feared by more than 50% of British adults. Not all dementia is AD; for example, vascular dementia, which can be the end result of chronic diseases, most commonly stroke, that result in decreased blood flow to parts of the brain. However, AD is the most common and well-known type and will be our focus.

From the U.S. National Institute of Health, Alzheimer’s disease is a degenerative brain disorder characterized by progressive loss of memory and cognitive abilities. It is marked by the accumulation of amyloid plaque and neurofibrillary tangles in the brain, which can disrupt normal brain function. AD typically begins in the mid-60s. Over time, it leads to severe impairment that affects activities of daily living (ADLs).

ADLs is a specific medical term that refers to five essential self-care tasks and abilities that people perform independently daily to maintain their health and well-being.

• Eating: Feed oneself

• Bathing: Wash oneself

• Dressing: Put on and take off clothing

• Toileting: Use the bathroom

• Mobility: Move around safely

People with AD experience insidious onset of progressively losing their memories, their ability to learn, and their capacity to perform ADLs.

Diagnosing AD requires a comprehensive clinical evaluation combining medical history, cognitive assessment, and corroboration from family members or close contacts. Clinical evaluation begins with assessing cognitive decline across multiple domains, including memory, language, attention, visuospatial thinking and awareness, executive function (working memory, flexible thinking, selfcontrol), and mood. Initial assessment involves one or more brief screening questionnaires (e.g., Montreal Cognitive Assessment – MoCA, Mini Mental Status Exam – MMSE, AD8, IQCODE, Mini-COG, and SLUMS are some common ones). If the diagnosis remains uncertain, neuropsychological testing becomes necessary.

Doctors will also order blood tests looking for possible non-AD causes of the symptoms, for example syphilis, B12 deficiency, or liver, kidney, electrolyte or

thyroid abnormalities. They will also often order some form of brain imaging, usually an MRI, to check for vascular, structural issues (e.g., cancer, old stroke(s), abnormal fluid, or bleeding), amyloid plaques, or neurofibrillary tangles.

In a future column, the focus will be treatment. The remainder of our time will be about warning signs and the difference between normal and abnormal aging.

10 Early Warning Signs of Alzheimer’s Disease vs. Normal Aging

1. Memory loss that disrupts daily life

The hallmark sign. Forgetting recently learned information, important dates, or events, and increasing reliance on notes or family members for things they used to manage independently.This is not just forgetting where you put your keys. Everyone does that. The key difference is frequency and impact.

• Forgetting recent conversations

• Repeating the same questions

• Missing appointments even with reminders

Normal Aging:

• Occasionally forgetting names or appointments but remembering them later

• Misplacing items once in a while

• Needing reminders for new information

2. Difficulty planning or solving problems

Tasks that involve numbers or multi-step processes

– following a recipe or paying monthly bills – become harder and take longer.

Normal Aging:

• Taking a bit longer to solve a problem

• Occasionally making a small mistake when managing finances

3. Challenges completing familiar tasks

Losing fluency in things that used to be second nature. Getting confused driving to a familiar location, organizing a grocery list, or remembering the rules of a favorite game.

Normal Aging:

• Sometimes needing help with new technology

• Occasionally forgetting why you walked into a room

4. Confusion with time or place

Losing track of dates, seasons, or the passage of time.

Forgetting where they are or how they got there.

Normal Aging:

• Momentarily forgetting the day of the week

• Occasionally losing track of time when busy

5. Trouble understanding visual images or spatial relationships

Difficulty reading, judging distances, or recognizing contrast, which can affect driving.

6. New problems with words

Struggling to follow or join conversations, repeat themselves, or have trouble finding the right word for everyday objects.

Normal Aging:

• Sometimes struggling to find the right word

• Occasionally losing a train of thought

7. Misplacing items and losing the ability to retrace steps

Objects end up in unusual places (keys in the fridge, wallet in a sink, jewelry in a shoe) and they cannot retrace their steps to find them.

8. Decreased or poor judgment

Examples: giving away lots of money, easily scammed, or neglecting personal hygiene.

Normal Aging: Making a questionable decision once in a while

9. Withdrawal from work or social activities

Avoiding hobbies, social events, or work tasks they once enjoyed because they feel overwhelmed or embarrassed.

10. Changes in mood or personality

Becoming anxious, suspicious, easily upset, or confused, especially in unfamiliar situations.

Normal Aging: Becoming irritable when tired or stressed

AD is a sad and scary disease that insidiously robs people of who they are and slowly steals them from their loved ones.

Dr. Stephen A. Wilson, MD, MPH, FAAFP, is Chair of Family Medicine at Boston University Chobanian and Avedisian School of Medicine and Chief of Family Medicine for Boston Medical Center.

Church Triumphant

Church Triumphant lists credentialed Nazarene ministers or spouses who were receiving benefits provided by NBUSA at the time of death.

Rev. Linda A. Aaserud

December 24, 2025

Lewiston, New York age 88

Mrs. Meredith June Abla January 3, 2026

Vancouver, Washington age 94

Rev. Pedro D. Aguilar December 25, 2025

Chicago, Illinois age 78

Mrs. Louise E. Alderson December 24, 2025

Oklahoma City, Oklahoma age 86

Mrs. Faye R. Allison November 2, 2025

Mount Olive, Alabama

age 83

Rev. Donnell R. Armstrong November 22, 2025

Acworth, Georgia

Rev. Larry L. Avery

Oregon, Ohio

Mrs. Elaine Baker

Carthage, Missouri

Mrs. Frances Balis

Ravenswood, West Virginia

Mrs. Joan G. Bane

North Royalton, Ohio

Rev. Kevin D. Barrett

age 82

November 23, 2025

age 75

January 12, 2026

age 99

November 23, 2025

age 83

December 30, 2025

age 90

January 6, 2026

Albion, Michigan age 59

Mrs. Pearle Benefiel

December 6, 2025

San Diego, California age 97

Rev. Joyce E. Boring December 13, 2025

Johnstown, Pennsylvania age 88

Mrs. Linda Bradley January 9, 2026

Mauldin, South Carolina age 78

Mrs. Nancy Jo Brenner

October 26, 2025

Vicksburg, Michigan age 86

Rev. Richard F. Brinsley January 13, 2026

Indianapolis, Indiana age 77

Mrs. Ernestine Buchanan November 11, 2025

Mansfield, Missouri

age 82

Rev. Stephen L. Butler December 16, 2025 Altoona, Iowa

Mrs. Shirley A. Clark

age 74

October 29, 2025 Boonville, Indiana

Mrs. Louise Clifford

age 91

January 1, 2026 Topeka, Kansas

Rev. Billy E. Coots

age 99

.October 31, 2025 indianapolis, Indiana

Rev. James H. Cottle

Benton, Illinois

Rev. Charles T. Coyle

age 86

December 23, 2025

age 92

December 2, 2025

Swansboro, North Carolina age 83

Rev. John S. Cramer Sr. December 21, 2025

Nedrow, New York age 91

Mrs. R. Dolores Crouse January 2, 2026

Preston, Maryland age 91

Rev. Terry G. Curtis November 4, 2025

Spring, Texas age 88

Rev. Robert L. Dixon November 1, 2025 Nolensville, Tennessee age 89

Rev. Kenneth L. Dodge December 12, 2025 Meridian, Idaho age 97

Rev. James L. Dozier

January 15, 2026

Rock Hill, South Carolina age 87

Mrs. Delores Duncan

Rev. Edward C. Koteskey

November 12, 2025

Fort Worth, Texas age 88

Mrs. Carolyn M. Estep

December 17, 2025

Citrus Springs, Florida age 72

Dr. James K. Lee

November 26, 2025

South Charleston, West Virginia age 84

Rev. Morton L. Estep

December 11, 2025

South Charleston, West Virginia age 85

Rev. Lorna Fike

December 11, 2025

Ruidoso, New Mexico age 75

Rev. Ted Flores

Cypress, Texas

Rev. Thomas A. Foust

Wichita, Kansas

Mrs. Nancy M. Franklin

Nampa, Idaho

Rev. Frederick D. Fortune

Mesa, Arizona

Rev. Clarie B. George

Kalamazoo, Michigan

Mrs. Sandra K. Goddard

Perry, Georgia

Mrs. Lillian M. Grimm

December 27, 2025

age 85

December 4, 2025

age 95

November 17, 2025

age 73

November 2, 2025

age 92

November 30, 2025

age 86

December 17, 2025

age 68

November 17, 2025

Crossville, Tennessee age 98

Mrs. Dorothy Harris

November 26, 2025

Cleburne, Texas age 96

Rev. Lowell G. Henske

November 16, 2025

Crosby, Texas age 92

Mrs. Anna M. Hissom January 8, 2026

Charleston, West Virginia age 85

Rev. Kenneth L. Holmes

December 2, 2025

Birmingham, Alabama age 67

Rev. Dennis E. Holleman December 11, 2025

Hensley, Arkansas

age 70

Rev. Thomas R. Howell November 27, 2025

Pocahontas, Arkansas

Rev. Kent W. Hubbard

The Village, Oklahoma

Mrs. Vivian A. Hunter

Detroit, Michigan

Dr. Jay E. Hunton Jr.

Overland Park, Kansas

Mrs. Marie Jenkins

Winter Haven, Florida

Rev. Grace L. Jones

January 1, 2026

Brea, California age 92

Mrs. Kay F. Lothenore November 11, 2025

Wichita Falls, Texas age 89

Rev. Charles L. Marker November 11, 2025

Point Pleasant, West Virginia age 85

Rev. Merle M. Mead January 4, 2026

Tullahoma, Tennessee age 90

Rev. Roberta J. Meiner January 12, 2026

Traverse City, Michigan

age 80

December 5, 2025

age 70

December 25, 2025

age 77

December 30, 2025

age 89

November 23, 2025

age 95

December 8, 2025

Tow, Texas age 89

Mrs. Nancy F. Kelly

.January 9, 2026

Carthage, North Carolina age 76

Rev. Robert G. Killion

November 16, 2025

Paxton, Illinois age 92

Rev. Jean Knierim

November 6, 2025

Troy, Idaho age 83

age 81

Mrs. Patricia M. Merrill December 14, 2025 Pittston, Maine

Rev. James A. Monck

age 81

January 12, 2026 Chico, California

Rev. Don Moore

age 82

December 28, 2025 Clatskanie, Oregon

Rev. James I. Moore

age 79

December 31, 2025 Ridgefield, Washington

Mrs. A. Kay Morgan

age 84

November 1, 2025 Columbiana, Ohio

Rev. Frank W. Morley

age 91

January 14, 2026 Hesperia, California age 87

Mrs. Jean Noel

December 25, 2025 Milford, Ohio age 87

Rev. Norman K. Phillips December 7, 2025

New Palestine, Indiana age 82

Rev. Samuel C. Pierson Jr. January 1, 2026 Hurricane, West Virginia age 44

Mrs. Nina M. Rath January 7, 2026 Portland, Oregon age 95

Rev. Jerry N. Reach October 31, 2025 Tuscaloosa, Alabama

age 89

Mrs. Mary Ann Ridenour January 11, 2026 Bourbonnais, Illinois

Rev. Ramon Rios

age 98

January 10, 2026 Tucson, Arizona

Rev. Nell M. Ritchey

Topeka, Kansas

Mr. John M. Rodgers

Caledonia, Mississippi

Mrs. Manuela Rosa

Harlingen, Texas

Rev. Donald J. Schlough

age 89

November 25, 2025

age 77

January 4, 2026

age 69

December 17, 2025

age 94

November 19, 2025

Clearwater, Florida age 86

Rev. Raymond A. Sharpes.

January 14, 2026

Mount Vernon, Ohio age 87

Mrs. Elizabeth L. Shreckengast November 21, 2025

Philadelphia, Pennsylvania age 84

Mrs. Mary Simon January 8, 2026

Manteno, Illinois age 79

Rev. George E. Smith

December 10, 2025

Gaylord, Michigan age 94

Rev. Keith E. Smith

Clayton, Ohio .

Mrs. Sarah Smith

Fort Mill, South Carolina

Rev. William O. Smith

Geneseo, Illinois

Mrs. Mary Ellen Studebaker .

Bellingham, Washington

Rev. Mereane R. Tausili

Des Moines, Washington

November 11, 2025

age 66

December 6, 2025

age 90

December 5, 2025

age 94

December 26, 2025

age 98

November 11, 2025

age 75

Mrs. Sheila Taylor

December 20, 2025

Fort Smith, Arkansas age 89

Mrs. Sarah Tsosie November 27, 2025

Leupp, Arizona .

Mrs. Barbara Walter .

Goldsboro, North Carolina .

Rev. Thomas W. Weller .

Springfield, Virginia

Mrs. Sara J. Willard

Bethany, Oklahoma

Mrs. Rebecca L. Yates .

Plainview, Texas .

age 92

December 1, 2025

age 85

. December 26, 2025

age 87

December 17, 2025

age 79

January 1, 2026

age 70

Special Anniversaries

Dates for this column come from pension applications. Records are not updated unless NBUSA is notified of changes in marital status, such as the death of a spouse.

75th Anniversaries

Rev. Lewis R. and Mrs. Cora M. Graley

June 1 36034 Leah Ln, Yucaipa, CA 92399-5257

Rev. Richard A. and Mrs. Mary R. Jones

1211 Paul Bryce Dr, Melbourne, FL 32901-2916

May 18

Rev. William and Mrs. Zola Shipman May 19 800 E 21st St Apt 11, Falls City, NE 68355-2349

70th Anniversaries

Rev. James L. and Mrs. Dolores F. Goss

PO Box 743, Bonsall, CA 92003-0743

Rev. Jerome J. and Mrs. Sharrill J. Johnson

13052 Dunklee Ave, Garden Grove, CA 92840-6112

June 7

May 13

Rev. O. Everett and Mrs. Jean Lybarger June 8 2105 Blaney Hill Rd, Conway, AR 72032-8842

Rev. Marion L. and Mrs. Connie McCandless . . .

June 10 2910 Calle Guadalajara, San Clemente, CA 92673-3016

65th Anniversaries

Rev. Howard N. and Mrs. Nancy Becker .

4038 Timber Creek Dr, Cincinnati, OH 45245-1927

Rev. Jack N. and Mrs. Eleanor Bimber . .

May 6

. . . June 20 478 N Clover Dr, New Castle, IN 47362-8917

Rev. Larry E. and Mrs. Ruth Brincefield

June 24 809 W Sunbird Path, Hernando, FL 34442-5134

Rev. James R. and Rev. Patricia S. Brown

June 17 5360 Dornich Dr, Auburndale, FL 33823-9449

Rev. Jose P. and Mrs. Maria E. DeHaro

May 28 1506 Angel Fire Dr, Dallas, TX 75253-2501

Rev. George L. and Mrs. Lola Fitzwater May 20

36748 Pinehill Ln, Hillsboro, VA 20132-1936

Rev. Jose and Mrs. Isora N. Gonzalez

11320 Clarkman St, Santa Fe Springs, CA 90670-4114

Rev. Earl R. and Mrs. Nancy L. Hardyman

4244 S Center Dr, Howell, MI 48855-8730

Rev. James B. and Mrs. Sandra Jones

201 W Georgia St, Beebe, AR 72012-3625

Dr. Ralph E. and Mrs. Lynn Neil

2125 W Cross Creek Dr, Nampa, ID 83686-8767

Dr. Norman V. and Mrs. Judyth L. Shoemaker

325 Kempton St # 554, Spring Valley, CA 91977-5810

Rev. Roy A. and Mrs. Mary Shuck

175 Huntington Dr, Naples, FL 34109-1605

June 26

June 30

June 10

June 1

June 1

June 24

Rev. Juan R. and Rev. Noemi Q. Vazquez June 22

7341 Coventry Cir, North Richland Hills, TX 76182-6050

60th Anniversaries

Rev. Carl E. and Mrs. Deborah Baker May 14

735 Arrowhead Trl W, Mount Sterling, KY 40353-7837

Rev. Melvin E. and Mrs. Sylvia Bottorff

416 Country Club Dr, Xenia, OH 45385-1636

Rev. Charles L. and Mrs. Sandra J. Casto

573 Tamarisk Way, El Cajon, CA 92020-3840

Dr. Harold E. and Mrs. Janet Clay

4600 N Hollywood Ave, Muncie, IN 47304-1134

Rev. Adin R. and Mrs. Faye L. Crandall

N2320 Elm St, Wautoma, WI 54982-8092

Rev. Robert J. and Mrs. Madelyn R. Fair

7027 Kelly Marie Ct, Liberty Twp, OH 45011-1404

Rev. Starlet R. and Mr. Raymond Gartman

May 7

June 17

June 17

April 2

May 28

June 6 5753 Highway 85 N, Crestview, FL 32536-9365

Dr. Stephen E. and Mrs. Patricia Gladding

June 18 6989 S Artisan Way, Terre Haute, IN 47802-5442

Rev. Shirley C. and Mr. William M. Greene

June 18 2539 Blaine Rd, Moscow, ID 83843-7480

Dr. John W. and Mrs. Sheila C. Hall

June 4 6 Craig Dr, Mount Vernon, OH 43050-3806

Rev. Edward H. and Mrs. Leona M. Hunsaker

June 25 16941 N State Highway 125, Bradleyville, MO 65614-3871

Rev. James T. and Mrs. Esther E. Lanning

April 15 2650 Valley View Cir, Zanesville, OH 43701-9704

Dr. P. T. and Mrs. Thankam Mammen

May 26 21 Chateau Ct, South San Francisco, CA 94080-5527

Rev. Gary W. and Mrs. LaVonna D. Moore

June 18 1986 Bradley Estates Dr, Yuba City, CA 95993-2638

Rev. Lowell P. and Mrs. Betty Moore .

June 25 6485 Pahokee Dr, Colorado Springs, CO 80915-1711

Rev. Dennis L. and Mrs. Joy Mortimore June 30

779 N.W. Carol Dr., Grants Pass, OR 97526-3303

Rev. Robert R. and Mrs. Carol Newton June 7 1360 N Bolton St, Jacksonville, TX 75766-4008

Rev. Donald W. and Mrs. Barbara G. Overby . . . . . . . . . May 4

339 Daffodil Dr, Fruitland Park, FL 34731-6755

Rev. Donald G. and Mrs. Judith Patrick .

501 Campus View St Apt 2, Garden City, KS 67846-7912

June 11

Rev. Mitchell K. and Mrs. Mary E. Peebles June 18 RR 7 Box 7301, Ava, MO 65608-9782

Rev. Douglas A. and Mrs. Shirley Schmidt

April 1 1630 Williams Hwy # 145, Grants Pass, OR 97527-5660

Rev. Benjamin and Mrs. Suge Shin . . .

June 26 20945 26th Ave Apt 1H, Bayside, NY 11360-8004

Rev. Robert W. and Mrs. J. Gayle Smith . . . . . . .

4223 Caledonia Dr, San Diego, CA 92111-3611

June 11

Rev. Steven F. and Mrs. Patricia L. Spence June 11

504 N Union City Rd, Coldwater, MI 49036-9812

Dr. Roy W. and Mrs. Priscilla Stallings .

May 27 14717 County Road 424, Lindale, TX 75771-7825

Rev. Dale W. and Mrs. Patricia I. Stotler . . . . . . . . . . . June 4 PO Box 278, Friedens, PA 15541-0278

Rev. Michael L. and Mrs. Sharilyn Tapscott May 28 2573 Redlich Ct, Decatur, IL 62521-4920

Rev. Thomas W. and Mrs. Elizabeth M. Waltermire June 11 200 Tinsley Ct, Newark, DE 19702-2821

Rev. Joe C. and Mrs. Jane Williams . .

June 17 5034 E Farm Road 138, Springfield, MO 65809-3356

55th Anniversaries

Rev. Peter E. and Mrs. Theresa E. Albertson . . .

May 1 159 W 700 N, Columbia City, IN 46725-8919

Rev. H. Wesley and Mrs. Margaret M. Barnhill April 2 6220 Leawood Dr, Huber Heights, OH 45424-3039

Dr. William W. and Rev. Deborah J. Bell June 19 55 Castle Coombe Dr, Bourbonnais, IL 60914-1609

Rev. Timothy C. and Mrs. Cheryl Bender . . .

. . . May 24 1278 Smith Chapel Rd, Shelbyville, TN 37160-6827

Rev. Darrel L. and Mrs. Dorothy Benham June 5 2589 S Benham Mill Rd, English, IN 47118-6522

Dr. Stephen L. and Mrs. Carol A. Borger May 22 2201 W Teton Ave, Nampa, ID 83686-4852

Rev. Michael L. and Mrs. Susan J. Brown . . . . . . . . . . June 4 7047 Brooks Hollow Pkwy, Mechanicsville, VA 23111-5657

Rev. Billy L. and Mrs. Linda J. Campbell .

June 19 525 Barneson Ave, San Mateo, CA 94402-3440

Rev. Randall D. and Mrs. Cydney Cloud June 18 PO Box 34, Pollock, SD 57648-0034

Rev. Kent R. and Mrs. Kay L. Conrad . . . .

. May 14 6079 W Biathlon Ct, Eagle, ID 83616-6245

Rev. Thomas L. and Mrs. Sharon E. Cook . . . . . . . . . . May 14 3107 Melissa Ct, Smyrna, TN 37167-8370

Rev. Michael W. and Mrs. Ruth A. Cooper June 26 536 W Twin Peaks Pkwy, San Tan Valley, AZ 85143-5829

Rev. E. Robert and Mrs. Ramona D. Craft June 25 233 Martin Dr, Muscle Shoals, AL 35661-1077

Rev. Kenton R. and Mrs. Jacquita A. Daugherty . . . . . . April 3 PO Box 321, Nicoma Park, OK 73066-0321

Rev. James D. and Mrs. Terry A. Garrison April 3 221 S Chestnut St, Cameron, MO 64429-2182

Rev. Ronnie and Mrs. Dianna Gilbert June 19 16501 N El Mirage Rd Lot 620, Surprise, AZ 85378-2807

Rev. Phillip E. and Mrs. Ronoyce D. Grate . . . . . . . . . . June 6 5265 Broadmoor Bluffs Dr, Colorado Springs, CO 80906

Rev. Ernest R. and Mrs. Sharon Hafley . .

. May 22 1225 Shiloh Ct, Florence, KY 41042-8545

Rev. Thomas A. and Mrs. Debbie Harvey June 19 6100 Stewart Ct, Oscoda, MI 48750-9721

Rev. Harold H. and Mrs. Betty Hayes

1847 New Market Dr, Grove City, OH 43123-1619

June 5

Rev. Royce E. and Mrs. Linda A. Haynes May 15 208 32nd Ave E, Tuscaloosa, AL 35404-2619

Rev. Dale A. and Mrs. Lynn Hill

147 E Fifth St, Manteno, IL 60950-1312

Rev. William D. and Mrs. Brenda Holley

Rev. Paul K. and Mrs. Sharon K. Watkins . . . . . . . . . . . April 3 128 Rankin Rd, Tunnelton, WV 26444-9072

Rev. Floyd R. and Mrs. Sharon F. Wilks

June 4 1701 E Burr Ave Spc 60, Moses Lake, WA 98837-9849

June 5

June 3 2809 Fennel Rd, Oklahoma City, OK 73128-1036

Rev. Joseph W. and Mrs. Janet E. Huddleston

15105 S Blackfeather Dr, Olathe, KS 66062-3309

Rev. Michael E. and Mrs. Mona Hull

June 19

June 26 16809 NE 66th Way, Vancouver, WA 98682-3783

Rev. Steven R. and Mrs. Marsha Hurles April 16

1005 Burgoyne Dr, Cincinnati, OH 45245-1510

Rev. William H. and Mrs. Grace Johnson

June 22 537 Ashmoor Ave, Bowling Green, KY 42101-3702

Rev. Daniel B. and Mrs. Kathleen Joyce June 5 2C Pejepscot Ter, Brunswick, ME 04011-1688

Dr. Russell J. and Mrs. Deborah A. Long June 5 40 Highland St, Rockland, MA 02370-2406

Rev. Robert W. and Mrs. Joquetta A. Loveless June 25 106 Jennifer Ln, West Monroe, LA 71291-9715

Rev. Donald L. and Mrs. Deborah K. Moore June 12 214 Nelson Ct, Middleton, ID 83644-5484

Dr. John E. and Mrs. Vicki L. Moore

May 1 1017 Azuar Ave, Vallejo, CA 94592-1041

Rev. Joel C. and Mrs. Norita Ortiz

2033 W Edinger Ave, Santa Ana, CA 92704-4103

Rev. Rick J. and Mrs. Sheila M. Parsons

1208 Pebble Creek Dr, Jeffersonville, IN 47130-8544

Rev. Jean C. and Mrs. Alourdes Paul

June 11

April 8

April 10 1014 Ringo Ln, Immokalee, FL 34142-2632

Rev. Craig W. and Rev. Connie L. Rench

June 25 845 W Monterey Rd, Corona, CA 92882-4144

Rev. Enrique D. and Mrs. Patricia Rojas

June 1 23697 N High Dunes Dr, Florence, AZ 85132-7919

Rev. William S. and Mrs. Paula J. Russell June 19 712 Radio Rd, Elizabethtown, PA 17022-8992

Rev. John D. and Mrs. Marcia L. Scott June 19 1575 Yauger Rd Apt 33, Mount Vernon, OH 43050-8321

Rev. William L. and Mrs. Rebecca J. Selvidge June 5 10240 Nieman Rd, Overland Park, KS 66214-2610

Rev. Michael D. and Mrs. Lyn L. Shipman April 3 12594 Webster Ct, Chino, CA 91710-3527

Dr. Dale E. and Mrs. Alice E. Siverly

May 29 PO Box 1057, Mount Carmel, IL 62863-1057

Rev. Randall L. and Mrs. Rebekah A. Smyre.

June 5 3 Newky Rd, New Columbia, PA 17856-9152

Rev. Willis G. and Mrs. Barbara J. Swope

June 12 193 Apple Orchard Cir, Berkeley Springs, WV 25411-4921

Rev. David C. and Rev. Marilyn R. Tran .

1615 Meadow Dr, Galesburg, IL 61401-2152

May 22

Rev. Edward E. and Mrs. Beth Ann True June 4 1510 Griffith St, Lancaster, OH 43130-1815

Rev. David N. and Mrs. Nordis L. Valyou May 28 7523 Cornwallis Ln, Charlotte, NC 28270-2779

Rev. Darrel K. and Mrs. Joanne Wiseman June 11 1887 W Lonesome Dove St, Meridian, ID 83646-8269

Rev. Lynn H. and Mrs. Sharron Witters . . . . . . . . . . . . June 12 229 Sharon Dr, Lawrence, KS 66049-4070

Rev. David D. and Mrs. Linda S. Worcester June 5 424 Ivanhoe Dr, Victoria, TX 77901-4560

Rev. Jose L. and Mrs. Evelyn Zambrana May 30 20550 Huebner Rd Unit 105, San Antonio, TX 78258-3966

50th Anniversaries

Rev. Gregory and Mrs. Mary M. Allen .

June 26 613 14th St SE, Jamestown, ND 58401-5635

Rev. Bruce A. and Mrs. Joyce L. Beatty April 10 10 E Brookside Ln, Ottawa, KS 66067-3616

Dr. Randell E. and Rev. Florence L. Beckum. . . . . . . . . May 28 1422 Puanakau St, Honolulu, HI 96818-1933

Rev. Thomas R. and Mrs. Deborah S. Beers . . . .

June 5 6 Linda Ln, Columbia City, IN 46725-1006

Rev. Stephen F. and Rev. Karenlee Belokur April 24 4280 Allens Hill Rd, Honeoye, NY 14471-9765

Dr. Michael W. and Mrs. Gwendolyn G. Benson June 26 197 Sugar Loaf Turn, Bourbonnais, IL 60914-1862

Rev. Gregory N. and Mrs. Jacqueline Berdych . . . . . . . June 19 7882 Tabernacle St, Louisville, OH 44641

Rev. Dale A. and Mrs. Kathy I. Blake April 17 11744 Blue Moon Ave, Oklahoma City, OK 73162-2003

Rev. Michael T. and Mrs. Juniata M. Burke April 3 PO Box 280, Greenville, FL 32331-0280

Rev. John E. and Mrs. Candie Capen . .

. June 19 4037 Houk Way, Stevensville, MT 59870-6467

Rev. Juan E. and Mrs. Maria E. Castro. .

June 26 39695 Creative Dr, Temecula, CA 92591-4542

Rev. Gregory L. and Rev. Marcella L. Chambers June 12 290 Windermere Way, Bourbonnais, IL 60914-1662

Rev. Thomas D. and Mrs. Elizabeth J. Crider .

June 12 1453 N State Rd, Ithaca, MI 48847-9725

Rev. Michael L. and Mrs. Brenda Davis . .

. June 12 737 Victoria St, San Francisco, CA 94127-2838

Rev. Robert M. and Mrs. Phyliss E. Duranceau June 12 720 Cloud Dr, Clarksville, TN 37043-2617

Rev. Douglas E. and Mrs. Barbara J. Fish June 5 16 King St, Wolfeboro, NH 03894-4363

Rev. Michael J. and Mrs. Kristen C. Foley . . . . . . . . . . June 26

7357 W Jenan Dr, Peoria, AZ 85345-8770

Dr. Mark L. and Mrs. Susan G. Fuller

June 15 1422 Cascade Dr, Grove City, OH 43123-8063

Rev. Peter E. and Mrs. Paula D. Gantz

June 4 2858 Chatsworth Ln, Lakeland, FL 33812-3875

Rev. Donald W. and Mrs. Evelyn M. Gardner . . . . . . . . June 5 1215 E Neches St, Palestine, TX 75801-4641

Rev. Billy H. and Mrs. Theresa L. Grigory . . . . . . . . . . April 10 25 Northpointe Dr, Mountain Home, AR 72653-8120

Rev. David S. and Mrs. Sandra L. Hall

June 19 483 7 Hills Rd, Ashtabula, OH 44004-9697

Rev. Lenny V. and Mrs. Rebecca A. Harris

4065 Celeste Ave, Clovis, CA 93619-8569

June 5

Rev. Kim and Mrs. Savang Ho May 8

35 Shadow Dr, Lowell, MA 01854-1328

Rev. Wendell R. and Mrs. Rachel R. Hohenstein June 18

148 NE 2nd St, Williston, FL 32696-2116

Rev. Charles W. and Mrs. June Leasure

206 Janet Dr, Bloomingdale, OH 43910-7758

Rev. Ronald C. and Mrs. Susan A. Milburn

1500 Ledgemont Ln, Clermont, FL 34711-5379

Rev. Kent R. and Mrs. Beth Olney

282 E Charles St, Bourbonnais, IL 60914-2224

Rev. Rogelio T. and Mrs. Edna L. Oscal

1218 Ednor Rd, Silver Spring, MD 20905-5108

Rev. Mitchell L. and Mrs. Linda C. Powell

419 SW Windmill Ln, Lees Summit, MO 64082-4626

June 19

May 25

June 18

April 24

June 11

Rev. Steven C. and Mrs. Janice E. Reusch May 22

215 E South Ave, Harrison, AR 72601-5210

Rev. Alba and Mr. Edwin Rodas

937 SW 5th St Apt 6, Miami, FL 33130-2533

Rev. Mark T. and Mrs. Kristeen L. Ryan .

17514 W Fairview St, Goodyear, AZ 85338-8127

May 6

May 29

Rev. Jay S. and Mrs. Sheri D. Shoff May 29

229 Bourdelais Dr, Swansea, IL 62226-1074

Rev. David M. and Rev. Carol J. Stevens

451 N Brown St, Vinita, OK 74301-1802

Rev. Gary L. and Mrs. Jennifer D. Swearengin

307 W Lorene St, Nixa, MO 65714-9231

May 29

June 27

Rev. Ronald L. and Mrs. Jacqueline D. Takala May 8

1305 Cedar Ridge Ter, Euless, TX 76039-2807

Rev. Bruce and Mrs. Karen Tallman June 11 123 Rock Bridge Ct, Windsor, CO 80550-6135

Rev. Allen W. and Mrs. Sheila E. Thomas

June 19 9575 Landman Mill Rd, Piqua, OH 45356-9677

Dr. William R. and Mrs. Tamitha J. Thomas May 1 2104 N Markwell Ave, Oklahoma City, OK 73127-1048

Rev. Gary C. and Mrs. Linda Tucker June 27

374 E Richland Way, Cochise, AZ 85606-8535

Rev. Rick L. and Mrs. Mary M. Upchurch

June 12 1022 Riverchase North Dr, Brandon, MS 39047-7454

Rev. Richard D. and Mrs. Debra G. Wagoner

672 Pine Grove Rd, Smithville, TN 37166-7331

May 29

Rev. Benjamin D. and Mrs. Melanie M. Walls April 3

320 S Hughes Rd Lot 2, Howell, MI 48843-9192

Rev. James J. and Rev. Christine T. Wang

June 1 977 Foothill Dr, San Jose, CA 95123-5302

Rev. Michael R. and Mrs. Kenna D. Williams

425 Layton Ter, The Villages, FL 32162-4332

Mileage Rate Update

The Internal Revenue Service has announced the 2026 standard mileage rates for operating an automobile for business, charitable, medical, or moving purposes. As of January 1, 2026, the standard mileage rates for the use of a vehicle are:

• 72.5 cents for every mile of business travel driven (up 2.5 cents from 2025),

• 20.5 cents per mile for medical or moving purposes (down 0.5 cents from 2025), and

• 14 cents per mile driven in service of charitable organizations (same as 2025).

You can find information about deducting mileage costs as a minister in NBUSA Memo #11 – Auto and Other Business Expense Reimbursements

UPCOMING EVENTS

Nazarene Benefits USA strives to educate participants on our benefit plans, financial markets, the importance of retirement planning, and a variety of other financial issues that may be impactful. Participant registration is required, but all events are free of charge.

March 2026

March 19: Maximize Social Security in Your Retirement (English)

March 26: Set Goals and Save for What You Want (Spanish)

April 2026

June 5

Rev. Glendon A. and Mrs. Dawn R. Wills June 5

118 N Vine St, New Castle, PA 16101-3333

Rev. Wesley P. and Mrs. Marjory Wornell June 19

1907 W Flamingo Ave Unit 3, Nampa, ID 83651-1678

Rev. James J. Wang and Rev. Christine T. Wu

977 Foothill Dr, San Jose, CA 95123-5302

June 1

Rev. Edwin E. and Mrs. Wendy Young June 5

1390 Spring Ridge Cir, Winter Garden, FL 34787-2146v

April 16: Strategies that Can Help You Manage Your Money (English)

April 23: How to Begin Investing for Retirement (Spanish)

May 2026

May 21: Navigating Market Volatility (English)

May 28: Navigating Market Volatility (Spanish)

Please reference nbusa.org/education for more information and to register!

NAZARENE BENEFITS USA

17001 Prairie Star Pkwy, Lenexa, KS 66220-7900

benefits@nazarene.org | 888.888.4656 nbusa.org | Mon-Fri: 8am-4:30pm CT