Long-Term Disability Insurance

Employer Provided Long-Term Disability
$.67 per $100 of monthly covered payroll

The Church Life Insurance Corporation now offers long-term disability insurance (LTD) for clergy and lay employees. You must sign up for long-term disability within 60 days of hire date or it will be necessary to go through medical underwriting. There are NO open enrollment periods when you can enroll.

Long-term disability insurance is used to replace your earnings if you become permanently disabled or disabled for a period of longer than a year. Assuming that you remain permanently disabled, the LTD benefits will pay until you reach normal retirement age.

Church Life offers two kinds of LTD insurance. Both are billed on the regular monthly bill to the congregation from the Medical Trust.

  • LTD may be offered as a fringe benefit by the employer.
  • LTD may be purchased by the employee who reimburses the employer through a post-tax payroll deduction. If the employee pays the premium, any LTD benefits collected will be non-taxable.

Voluntary Long-Term Disability Plan

Listed below are the monthly premiums for the Voluntary Long-Term Disability Plan:

Lay EmployeesLay EmployeesClergyClergy
Salary Ranges25% Option50% Option25% Option50% Option
Less than $25,000$12$18$14$23
$25,000 to $44,999$22$37$26$44
$45,000 and above$43$72$50$86

This information is not intended to be complete. Please visit the Church Pension Group website and review the information on the long-term disability offerings. If you still have questions, contact Bill Potts, canon for finance and property (phone 602.254.0976).