Employee eligibility

Your employees may be eligible for a variety of benefits through menu options. Build your benefits package based on the following criteria.

Your employees may be eligible for a variety of benefits depending on number of hours scheduled to work and other criteria. Review the following eligibility guidelines before you choose benefits for your employees. ​

Medical Plan

Employers may offer PPO, EPO, and/or HDHP coverage through menu options to employees who are regularly scheduled to work at least 20 hours a week.

Health savings account

If you offer the HDHP medical coverage option to your employees, the Board of Pensions urges you to also offer a health savings account. To be eligible to set up and make contributions to an HSA, the employee

  • must be enrolled in the HDHP, and their employer must offer the HSA;
  • cannot be covered by any other medical plan that is not an HSA-compatible health plan, including a spouse’s medical plan;
  • cannot typically be enrolled in a healthcare flexible spending account;
  • cannot be enrolled in Medicare or TRICARE;
  • cannot be eligible to be claimed as a dependent on someone else’s tax return; and
  • must be a U.S. resident.

Dental coverage

You may offer dental coverage to any employee, regardless of the number of regularly scheduled work hours, and their eligible family. 

Vision eyewear coverage

You may offer vision eyewear coverage to any employee, regardless of the number of regularly scheduled work hours, and their eligible family.

Retirement Savings Plan

You may offer the Retirement Savings Plan of the Presbyterian Church (U.S.A.) to any employee, regardless of the number of regularly scheduled work hours.

Healthcare FSAs

You may offer a healthcare FSA to employees who enroll in the PPO or EPO medical option, or employees who enroll in a qualified healthcare plan other than those available through the Board of Pensions.

A self-employed individual is not considered an employee for FSA purposes, and therefore, is not eligible to participate.

Dependent care FSAs

You may offer a dependent care FSA to any employee, regardless of the number of hours worked.

A self-employed individual is not considered an employee for FSA purposes, and therefore, is not eligible to participate.

Pension Plan

You may offer the Pension Plan through menu options to employees scheduled to work at least 20 hours per week.

Death and Disability Plan

You may offer the Death and Disability Plan through menu options to employees scheduled to work at least 20 hours per week.

Group term life

Employees are eligible for group term life coverage if they are

  • scheduled to work at least 20 hours weekly;
  • not enrolled in Pastor’s Participation or the Death and Disability Plan through menu options.

No evidence of insurability is required at any time.

Supplemental death coverage

Members enrolled for death and disability benefits or group term life coverage are eligible to apply for supplemental death benefits coverage.

Retirees may continue coverage they have in effect at retirement until age 70. Spouses may continue coverage until age 70, and children may continue coverage until age 26.

Supplemental disability coverage

Members are eligible for supplemental disability coverage if they

  • are enrolled in the Death and Disability Plan;
  • have an effective salary of at least $110,000.

When members purchase this coverage, their salary is rounded down to the nearest $10,000 to determine the maximum amount for which they are eligible to enroll.