Share

Disability Insurance

Effective January 1, 2006, clergy members of Church Pension Fund receive both Short-Term and Long-Term Disability coverage free of charge as long as their assessments are paid up to date. See notice from CPG and an example of the Enhanced Disability Benefits for clergy here (pdf).

The following types of disability insurance are available for lay staff:

IRP (Income Replacement Plan)
This is a short-term disability plan offered through The Episcopal Church Medical Trust. New full-time employees working a minimum of 20 hours per week have 60 days from their date of hire to enroll. Coverage begins on the 30th day the employee is out of work. The IRP pays 70% of the insured monthly compensation, up to $1,000 per week.

NOTE: All active clergy receive IRP coverage as a paid benefit through the Church Pension Group as part of the pension assessment.

LTD (Long-Term Disability)
There are two plan types: Voluntary and Non-Contributory . Both Long-Term Disability benefits are offered by The Episcopal Church Medical Trust. Benefits start after 1 year of unemployment. New full-time employees have 60 days from their date of hire to enroll. Benefits are paid based on the insured's total monthly compensation.

Voluntary LTD Benefit Option
This plan is an optional benefit at the employee's expense. Since The Medical Trust will bill the parish for the employee's premiums. The parish can receive reimbursement from the employee either by payroll deduction or through invoicing the participant. Participants have two options: 25% or 50% of their basic monthly earnings to a maximum of $5,000 per month. While disabled, Benefits will be paid to the insured up to age 65. See below for rates.

Non-Contributory Benefit Option
This plan is an Employer Provided Benefit and premiums are completely paid by the employer. All eligible employees must be enrolled in this plan if it is offered. No reimbursement is expected from the participant. Salary replacement upon approved disability is 66 2/3% of compensation with a maximum of $5,000 per month. Premiums are based on actual salary and is $.67 per $100 of monthly payroll.