Death and disability benefits

You can provide employees and their families with income protection and security at times when they may be most vulnerable. Understanding the importance of caring for members at these critical times, the Board of Pensions offers a range of death and disability benefits:

• The Death and Disability Plan is a comprehensive plan that includes benefits for beneficiaries and eligible survivors in the event of a member's death; benefits for members who become unable to work because of disability; and optional supplemental death and disability benefits for additional protection.
• The Term Life Plan is a low-cost way to offer security and peace of mind to employees who are not enrolled in a comprehensive coverage plan. This plan is available in tiers from $5,000 to $50,000, at a lesser cost than your employees could secure on their own.
• Supplemental death benefits are optional coverage available to members with the Death and Disability Plan or the Term Life Plan. It provides benefits in addition to the death benefits provided under those coverages.
• Supplemental disability benefits, optional coverage available to members in the Death and Disability Plan, provides extra income protection for employees whose salaries are greater than $110,000, which is the maximum salary covered under the plan.*

*Because disability benefits under the Death and Disability Plan protects the first $110,000 of a member's salary, employees must have an effective salary of at least $120,000 to purchase supplemental protection.

Questions about death and 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.

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.