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Post-Retirement Service

You are eligible to contribute to the Retirement Savings Plan while in post-retirement service. Contact the Board of Pensions for more information.

If you are returning to paid service with a church or employer of the PC(USA) after starting your pension, your employer may be required to re-enroll you as an active member of the Benefits Plan. If so, your monthly pension benefits will be suspended until you resume retirement. Your pension benefits may increase as a result of the deferral of benefits, your additional pension credit accruals, and any experience apportionment increases granted during your re-employment.

However, an exception to the benefits suspension rule may be approved in post-retirement service. Post-retirement service is intended to allow retirees to provide some services after retirement. As post-retirement service is not designed to cover full-time permanent re-employment, there are a number of rules that govern the approval process.

If you work for the Church in an approved post-retirement service and continue to receive your monthly pension payments, you:

  • will not accrue pension credits during this period of service
  • will not be an active member of the Benefits Plan

If your post-retirement service is for 20 hours or more per week in a pastoral position, the church will be required to pay post-retirement service dues (12 percent of your effective salary).

Post-Retirement Registration and Approval

If you intend to accept a post-retirement service position, you must report this service to the Board of Pensions using the Post-Retirement Service Registration form. Submit written verification from your presbytery along with the form.

Employer Legal Requirements

For organizations with more than one employee, certain legal considerations, in addition to the post-retirement service rules, must be considered when hiring a pensioner. Employers must comply with applicable federal and state employment laws, including:

  • prohibitions against age discrimination
  • pension and welfare plan nondiscrimination rules
  • Medicare requirements