Disability benefits
When disability keeps an employee out of work for an extended period of time, disability benefits provide income protection and support.
Disability benefits, offered as part of the
Death and Disability Plan, provide income protection and support to members who can’t work for an extended period of time because of a long-term disability. The administration of these benefits is offered through a leading claims management service provider.
Coverage details
Key features of these benefits include the following:
- A monthly payment is provided generally equal to 70% of the greater of the member’s effective salary or the median salary, up to the
IRS annual compensation limit.
- When a member is approved for disability status, benefits payments begin after a 90-day waiting period or when the member's salary or severance payments end, whichever occurs later.
- In addition to monthly disability income, other benefits coverage through the Board, such as medical, dental, vision, death, supplemental death, and pension, may be continued during an approved disability.
In addition, the Board of Pensions provides each disabled member with personalized support for the duration of the disability. This support includes a designated disability specialist at the Board of Pensions and a designated case manager at our service provider.
Read more details about using these benefits.
Eligibility
Employees enrolled in the Death and Disability Plan are eligible for disability benefits. 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 100% employer-paid. 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 disability benefits?
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.