DISABILITY INSURANCE
Disability insurance replaces a portion of your lost income if you are unable to work because of an illness or accident. It is much more common to become disabled than to die during your working years, yet fewer than 20 percent of all working people have disability insurance. Geneva offers two types of disability insurance and multiple plans, giving every ministry flexibility.
Geneva provides a bundled plan that provides both short and long-term disability coverage. Options include enhanced, basic, and voluntary coverage.
Although short-term disability is available only through the bundled options, long-term disability is available as a standalone product.
Benefits of Disability Insurance
- Access to Unum’s Worldwide Emergency Travel Assistance
- Qualification for housing allowance income exclusion, which provides a housing allowance for all eligible disabled PCA ministers receiving benefits from Geneva’s Basic and Voluntary LTD Plans
- Rehabilitation and Return to Work Assistance Benefit
- Free access to Unum’s Employee Assistance Program, which provides financial guidance, assistance with mental health and grief, and resources for finding childcare
- 14 day elimination period for Short-Term Disability Benefit
- 90 day elimination period for Long-Term Disability Benefit
Bundled Short + Long-Term Disability Options
Enhanced Short and Long-Term Disability
- This plan provides a benefit of 66 2/3% of your pre-disability earnings, up to a maximum of $3,000 a week for the first 90 days and then up to a maximum of $15,000 per month once Long-Term Disability commences (after the first 90 days).
- Cost of living adjustments and a 9% retirement contribution will be paid beginning after the 90 day elimination period and through the benefit duration. If you are below age 62 at the time of your disability, payments will continue until you reach your Social Security Normal Retirement Age.
Basic Short and Long-Term Disability
- This plan provides a benefit of 66 2/3% of your pre-disability earnings, up to a maximum of $3,000 a week for the first 90 days and then up to a maximum of $6,000 per month once Long- Term Disability commences (after the first 90 days). If you are below age 60 at the time of your disability, payments will continue until you reach age 65.
Voluntary Short and Long-Term Disability
- This plan provides a benefit of 60% of your pre-disability earnings, up to a maximum of $3,000 a week for the first 90 days and then up to a maximum of $6,000 per month once Long-Term Disability commences (after the first 90 days). If you are below age 60 at the time of your disability, payments will continue until you reach age 65.
*For each plan, benefits begin after 14 days of disability. Contact your administrator to see which of these plans are available to you.
In Partnership With
ENHANCED SHORT-TERM AND LONG-TERM DISABILITY PLAN
BASIC SHORT-TERM AND LONG-TERM DISABILITY PLAN
VOLUNTARY SHORT-TERM AND LONG-TERM DISABILITY PLAN
Long-Term Disability Options
Enhanced Long-Term Disability
- This plan provides a benefit of 66 2/3% of your pre-disability earnings, up to a maximum of $15,000 per month. Cost of living adjustments and a 9% retirement contribution will be paid through the benefit duration
- If you are below age 62 at the time of your disability, payments will continue until you reach your Social Security Normal Retirement Age
Basic Long-Term Disability
- This plan provides a benefit of 66 2/3% of your pre-disability earnings, up to a maximum of $6,000 per month
- If you are below age 60 at the time of your disability, payments will continue until you reach age 65
Voluntary Long-Term Disability
- This plan provides a benefit of 60% of your pre-disability earnings, up to a maximum of $6,000 per month
- If you are below age 60 at the time of your disability, payments will continue until you reach age 65
*For any plan, benefits begin after 90 days of disability or after the period of your accumulated sick leave, whichever period is longer. Contact your administrator to see which of these plans are available to you.
In Partnership With
How the Plans Work
Disability insurance replaces a portion of lost income if you are unable to work due to an illness or accident. Under the Enhanced coverage, you are disabled (and eligible for benefits) when:
- You are unable to work in your own occupation due to sickness or injury, and
- You have a 20% or more loss in your indexed monthly earnings due to the same sickness or injury
The same definition of disability applies to the Basic and Voluntary coverage. However, after 24 months of payments under those plans, you would be considered disabled if you are unable to work in any gainful occupation for which you are reasonably fitted by education, training, or experience.
Who Can Participate?
- Full-time (minimum 30 hours per week) employee of PCA church or like-minded organization, living in the U.S.
- Eligibility begins on the first day of the month following your date of hire for most employees
- If you leave your employment with the denomination or, in the case of an ordained pastor, are without call, the LTD Insurance is convertible to an individual policy according to our Conversion Privilege
Get Started
Connect with a Geneva team member to learn more
FAQ
How much life insurance do I need?
You need enough coverage to meet the needs of your survivors and should consider expenses such as a mortgage, raising children, and college. A general rule of thumb is to start with 10 times your annual income. Remember, the amount you need is always changing. A 35-year-old with a spouse and kids needs far more life insurance than a couple nearing their 60’s who are empty nesters.
How do we add insurance benefits?
You can add insurance benefits for your church/ministry staff by following these simple steps:
Step 1: Visit our My Benefits page to download enrollment instructions and complete two forms:
A) Group Insurance Adoption Agreement (IAA). This allows you to select which insurance products your organization will offer full-time employees.
B) Benefit Plan Enrollment Form. This provides us with the information needed to set up an account in SmartBen (our on-line benefits administrator).
Step 2: Request a secure email link by emailing us at enrollment@genevabenefits.org.
Step 3: Submit forms through secure link.
Do I have to fill out a medical questionnaire for insurance?
Most of our insurance products are designed to be offered without medical questions if you enroll within 30 days of your date of hire at your ministry organization.
Can I participate individually in insurance if my church does not?
No. Your ministry organization must agree to participate in one or more of the products offered by Geneva for you to participate in them.