Long- and Short-Term Disability

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.

Long-Term Disability Insurance

• The Long-Term Disability 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.