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Death and Disability Plan

The Death and Disability Plan enables employees to protect their income and their loved ones if the unexpected happens.

The Death and Disability Plan provides employees with peace of mind and financial security in the event of total disability or death. By offering these comprehensive benefits, you can help your employees plan ahead and provide financial security for themselves and their families — when they would need it most.

The Board of Pensions self-funds the Death and Disability Plan, primarily from investments in the Balanced Investment Portfolio. The plan includes the following:

  • Death benefits. These benefits can play a critical role in making sure loved ones are financially protected in the event of a member’s death.
  • Disability benefits. When an employee is out of work for an extended period of time because of a long-term disability, this coverage provides a monthly payment generally equal to 70% of the greater of the member's effective salary or the median salary.

Eligibility

You can provide the Death and Disability Plan to employees regularly scheduled to work at least 20 hours per week. The plan is included in the Covenant Package, the Congregational Pastors Package, and Transitional Pastor’s Participation.

Cost

The Death and Disability Plan is paid 100% by the employer. Dues for this coverage are 1% of effective salary if provided with Defined Benefit Pension Plan enrollment, or 2.5% of effective salary if provided without the Defined Benefit Pension Plan.

Questions about death and disability coverage?

Employers who currently offer benefits through the Board of Pensions can call 800-PRESPLAN (800-773-7752) (TTY: 711) to speak with an Employer Services representative. They can answer questions about benefits and offer support on administering benefits through Benefits Connect.

PC(USA) employers and congregations are encouraged to reach out to their Church Consultant to help determine which dues package is right for their situation, understand available benefits for staff and how to structure them, and guide faithful benefits decision-making.

Interested in offering benefits for the first time?

PC(USA)-affiliated employers who do not currently offer benefits through the Board can contact our sales consultants. They can help build a benefits experience for organizations so their employees can thrive.

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