Minister’s Choice provides important financial protection for ministers and supports wholeness through access to assistance and education programs.
Every minister ordained in the Presbyterian Church (U.S.A.) should have access to benefits and programs that support wholeness. Every minister deserves to have their income and financial future protected, for themselves and their loved ones, throughout their ministry and when they retire.
Minister’s Choice is a benefits package that provides this important financial protection for ministers and opens the door to the Board's education and assistance programs. By offering Minister's Choice, employers can help ministers have the protection and access they deserve.
There is no commercially available benefit that can reproduce the protection offered through Minister’s Choice. And, ministers enrolled in Minister's Choice will have access to important assistance and education programs that help cultivate wholeness and nurture ministries, like CREDO and Minister Educational Debt Assistance — all through Minister’s Choice. These ministers will also have access to Board University and grants through the Assistance Program*.
Installed pastors must be enrolled for Pastor's Participation, and employers may choose to enroll any minister who works at least 20 hours per week for Pastor's Participation.
The cost is 10 percent of effective salary, fully paid by the employer.
Minister’s Choice is intended to ensure all ministers have a level of financial protection by providing the following benefits:
Defined Benefit Pension Plan includes special features such as experience apportionments and pension credit accruals at the greater of actual salary (capped at statutory limits) or employment classification median. Also included are survivor pension benefits for the life of the member’s surviving spouse.
Death and Disability Plan protects members in the event of a long-term disability and provides survivor benefits.
Temporary Disability Plan provides an income benefit for up to 90 days after a 14-day waiting period. It provides members with 60 percent of effective salary, up to $290,000 (2021).
Employee Assistance Plan, a confidential resource through Cigna Behavioral Health, provides members with access to counseling sessions; financial, tax, and legal assistance; identity theft consultation; resources for child and older adult care; and more — at no cost to the member.
Access to the following assistance and education programs* that help foster wholeness:
Yes, employers may offer Minister’s Choice as well as other benefits, including one of the medical options available through the Medical Plan (PPO, EPO, or HDHP).
|Benefit||Pastor's Participation||Minister's Choice|
|Defined Benefit Pension Plan|||
|Retirement Savings Plan|||
|FINANCIAL PROTECTION PROGRAMS|||||
|Death and Disability Plan|
|Temporary Disability Plan|||||
|Employee Assistance Plan|||||
|Vision Eyewear Plan|||||
Required to offer; cost may be shared
May be offered; cost may be shared
Sessions, session committees, and other church leaders making benefits decisions may call on their Church Consultant for guidance about benefit options, including Minister's Choice. Contact your Church Consultant and determine if Minister's Choice meets your organization's needs.