Death benefits

Death benefits, offered through the Death and Disability Plan, protect eligible family members against unexpected loss of income. ​


  • Employers may choose to offer the Death and Disability Plan through menu options to employees scheduled to work at least 20 hours per week.
  • Ministers enrolled in Pastor's Participation, a comprehensive benefits package designed to meet the needs of ministers and their families, must be enrolled in the Death and Disability Plan.


Death benefits coverage may include

  • a salary continuation benefit paid to the member's designated beneficiary(ies) in 12 monthly installments;
  • a lump-sum death benefit paid to the member's eligible survivors in the amount of the death benefit basis*, up to a maximum of $100,000, multiplied by a percentage determined by age;
  • a children's education benefit for each dependent child under age 25; and
  • a living needs benefit that allows eligible members diagnosed with a terminal illness (a life expectancy of 24 months or less) to request prepayment of a portion of their death benefits.

Employees do not contribute to the Death and Disability Plan. The full cost of the benefit is funded through employer dues.

*The death benefit basis is the greater of the pension participation basis (annual effective salary or 25 percent of the congregational ministers’ median, whichever is more, up to the IRS maximum of $280,000 in 2019) or the applicable median (prorated for part-time employment).

Estimate your death benefits

If you are enrolled in the Death and Disability Plan, you can log on to Benefits Connect to see an estimate of the death benefits payable upon your death and the beneficiary designations the Board of Pensions currently has on file.

Supplemental death benefits

Additional protection for your family is available through this optional coverage.

Read more