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Long-Term Disability Care For You

Long-Term Disability is offered to those who work 20 or more hours per week for a congregation, district office, or camp. This plan is available without underwriting during your initial eligibility period. If you work for a denominational agency or other employer, contact your human resources manager to find out if your employer offers this plan.

If you are currently enrolled in the Plan and you wish to determine your LTD premium calculation, which is based on your salary, click on the following link below.

Short-Term Disability Care For You

Short-Term Disability covers most of the gap between the onset of disability and the start of Long-Term Disability coverage. This plan is available without underwriting during your initial eligibility period and you may also sign up during Open Enrollment.

Please click below to download a worksheet that determines your STD premium calculation, which is based on your salary and mail it to Brethren Insurance Services. Brethren Insurance Services’ Long- and Short-Term Disability plans are provided in partnership with Reliance Standard.

Coverage Includes:

Long-Term Care Insurance

  • The Long-Term Care plan pays 66-2/3 percent of your salary, up to $5,000 a month, reduced by Social Security or other group disability benefits.
  • Payments begin after 90 days of continuous disability.
  • If you are disabled for five years and have the loss of two or more “activities of daily living” or cognitive impairment, the plan will pay an additional benefit of up to $5,000 a month for a maximum of five years.
  • Catastrophic Disability Benefit is included in this plan.
  • Payments continue to age 65 for people disabled before age 60.
  • Payments continue for at least five years, or until age 70, for those disabled after age 60. Benefits will not be paid for a total disability caused by or resulting from a pre-existing condition unless you have been actively at work for one full day following the end of 12 consecutive months from the date you became fully insured.

Short-Term Care Insurance

  • The Short-Term Care plan pays 60 percent of your weekly salary, up to $1,250 per week.
  • Payments begin after a 14-day waiting period for illness or injury.
  • The plan has a maximum benefit of up to 11 weeks.
  • Maternity benefits are included in the plan.
  • Benefits will not be paid for a total disability caused by or resulting from a pre-existing condition unless you have been actively at work for one full day following the end of 12 consecutive months from the date you became fully insured.

We are here to help

For more detailed answers you may contact us at 
 800-746-1505, or inquire below.

Brethren Benefit Trust provides retirement benefits, health and welfare benefits, asset management, and financial advocacy to pastors, employees, and members of the greater Church of the Brethren community.

Building financial security

Bettering the world

Together

Since it began as the Pension Board 74 years ago, BBT has been called to serve its members and clients, and we are thankful for that opportunity.