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Eligibility for the Benefits Plan

Visit Members & Employers on pensions.org, or speak with your church treasurer or benefits administrator for details about participating in the Benefits Plan.

Menu Options

Employees who are not ministers of the Word and Sacrament and who are scheduled to work a minimum of 20 hours a week are eligible for menu options.

If you are a minister who is not in an installed position, your employer chooses whether to provide you with Pastor's Participation or offer you menu options.

Ministers scheduled to work less than 20 hours a week are eligible for medical coverage under menu options.

There is no work-hour minimum for ministers or other employees to participate in the Retirement Savings Plan of the Presbyterian Church (U.S.A.) if the employer offers it.

Pastor's Participation

Installed pastors are covered under Pastor's Participation, according to Section G-2.0804 of the Book of Order, regardless of the number of hours they are scheduled to work. Employers choose whether to provide Pastor's Participation to other ministers who are scheduled to work at least 20 hours a week. Under Pastor's Participation, employers contribute 100 percent of the medical, pension, and death and disability dues and may share the costs of optional benefits.

Seminary Students

If you are a seminary student, you may be able to purchase Medical Plan coverage. See the Attending Seminary page for information.

Family Members

Eligible family members are

  • spouses;
  • children up to age 26, regardless of marital status, financial dependency, or student status;
  • permanently disabled children covered under the Benefits Plan before they attain age 26.

If you are in Pastor's Participation, you may not waive medical coverage for yourself. You may waive it for family members, but it will not change the dues your employer pays.

Under menu options, the cost for medical coverage is based on coverage level. Your employer must pay at least 50 percent of the cost of Member-only coverage in the lowest-priced Medical Plan option the employer offers. (Employers may offer the PPO, EPO, or both.) You may be asked to pay up to 100 percent of the cost of covering eligible family members. You may waive coverage for yourself and/or family members.

Enrollment in the Benefits Plan

Employers are responsible for beginning the process of enrolling members in the Benefits Plan online through Benefits Connect within 30 days of the member's date of hire. The employer provides certain member contact, salary, and position information. The member is then able to register for Benefits Connect, log on, and complete the process of enrolling eligible family members and electing available benefits.