Pastor's Participation

Pastor's Participation is a comprehensive benefits package that provides support to ministers and their families. It is designed to meet the healthcare and retirement needs of ministers.​

What's included

Pastor's Participation includes the following coverage. The total cost for employers to provide this comprehensive package is 37 percent of effective salary:

PPO medical coverage (full family) for 27 percent*
Defined Benefit Pension Plan for 8.5 percent
Death and Disability Plan for 1 percent
Temporary Disability Plan for 0.5 percent

*Subject to the minimum annual dues amount of $11,000 and the maximum annual dues amount of $33,500.


Employers are required to enroll all ministers in an installed position in Pastor's Participation. Ministers in non-installed positions who are regularly scheduled to work at least 20 hours per week may also be enrolled in Pastor's Participation. 

Cost-sharing for other benefits 

For ministers enrolled in Pastor's Participation, employers may share in the cost of these additional benefits:

Employers also may offer flexible spending accounts (FSAs) to ministers in Pastor's Participation. Two types of FSAs are available: a healthcare FSA and a dependent care FSA. Employers pay $3.90 per employee per month for each employee who establishes a healthcare and/or dependent care FSA. Only one fee is charged per employee, whether the employee has one type of FSA or both.

Assistance and education programs

Pastor's Participation provides access to the following programs** that help foster wholeness:

*An employer matching contribution to the Retirement Savings Plan is not considered part of effective salary, so the employer cost for dues-based benefits (such as medical coverage in Pastor's Participation or Pension Plan participation) is not affected. (A fixed employer contribution to the Retirement Savings Plan, as a percentage of pay or a dollar amount, is considered part of effective salary and included in the calculation of dues).

**Member must meet eligibility requirements.