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PCA 403(b)(9) Retirement Plan Limitations for 2026

Each year, the IRS updates retirement plan contribution limits for defined contribution plans such as Geneva’s Retirement Plans.

Please note the SECURE Act 2.0 created a special catch-up contribution provision that amends the Internal Revenue Code. This provision means some older participants can save more money than ever in the Geneva Retirement Plan. Since the beginning of 2025, employees ages 60-63 will benefit from significantly increased maximum contribution limits. Geneva is hopeful that this higher limit will aid employees who were prohibited from saving a sufficient amount earlier in their ministry.  

The limits for 2026 are as follows:

Elective Deferral Limit (salary reduction contribution): $24,500 ($1,000 increase from 2025). Internal Revenue Code Section 402(g)

Defined Contribution Limit (employer plus employee): $71,000 ($1,000 increase from 2025). Internal Revenue Code Section 415(c)

Catch-up Contribution Limits:

  • Age 50-59: $8,000 ($500 increase from 2025). Internal Revenue Code Section 414(v)
  • Age 60-63: $11,250 (no increase from 2025). SECURE Act 2.0 amending IRC 414(v)(7)
  • Age 64 and older: $8,000 ($500 increase from 2025). Internal Revenue Code Section 414(v)

Source: IRS Retirement Plan section

For more than 50 years, Geneva Benefits Group has been committed to serving those who serve the Church. Established by the PCA General Assembly in 1973, Geneva was entrusted with a clear and enduring mission: to care for pastors, ministry workers, and their families—not just in seasons of flourishing but in moments of real need.

At the heart of that mission is the Relief Fund.

The Relief Fund exists to provide financial assistance and compassionate support to PCA pastors, widows, and ministry families facing hardship. Whether the need arises from illness, loss, or unexpected crisis, the goal is simple: to ensure that those who have given their lives to ministry are not left to carry those burdens alone.

This work is overseen by the Geneva team and guided by people who understand ministry life firsthand. Many on our team are pastors themselves and have spent years walking alongside ministry families. Financial planners, staff members, and committee leaders bring both professional expertise and pastoral care to every situation.

Because behind every application is a real story.

A Thoughtful and Pastoral Application Process

The Relief Fund is available to PCA pastors, widows, and ministry families experiencing financial hardship. The circumstances vary, but often include medical crises, disability, loss of income, or the death of a pastor—leaving a spouse or family navigating both grief and financial uncertainty.

Applying for assistance is designed to be a private, respectful, and pastoral experience. Applicants are invited to share their circumstances in a way that helps Geneva understand both the financial need and the broader context of their situation. Financial information is gathered but always with an emphasis on dignity, confidentiality, and care.

No one is treated like a number. Every application represents a person, a family, and a story that matters.

How Relief Fund Grants Are Prayerfully Distributed

Once an application is submitted, it is carefully reviewed by Geneva’s Financial Assistance Committee. This team includes financial leaders, pastoral staff, and experienced advisors who bring both wisdom and compassion to the process.

Each request is approached with prayerful discernment. In many cases, applicants also meet with a Geneva financial planner to gain a clearer understanding of their financial picture and to receive guidance on next steps. This ensures that assistance is not only timely, but also thoughtful and sustainable.

Several factors are considered in determining how relief is given:

  • The nature and urgency of the need
  • The applicant’s available resources
  • The long-term impact and sustainability of support

Support may come in the form of a one-time emergency grant or ongoing assistance for more extended situations. Each case is handled individually, with care taken to tailor support to the specific need. Relief is delivered as quickly and practically as possible—meeting people where they are, when they need it most. 

How Your Generosity Changes Lives

Every dollar distributed through the Relief Fund begins as a gift.

Donors make this work possible by giving generously to support pastors, widows, and ministry families they may never meet but with whom they share a deep bond in Christ. These gifts are carefully stewarded by Geneva to ensure both immediate impact and long-term sustainability.

Supporting the Relief Fund is relational, not transactional. To give to the Relief Fund is to participate in the care of the Church. It’s a way of saying, “You are not forgotten.” It’s a tangible expression of gratitude for those who have spent their lives serving others. 

The impact of your generosity is literally life-changing:

“My wife and I would not have made it financially for the last few years without the help from the Relief Fund.” -Scott, PCA Pastor

“When I got the call that I was going to be given help, I cried for 20 minutes straight on the phone…It felt like a miracle and that the Lord saw me.” -Jen, Widow

“Without the Relief Fund, I don’t know where I would be. I could very well be homeless. I have no family that can help. I can’t say enough good things about this ministry.” -Kimberlee

Time and again, these gifts become lifelines—helping families stay afloat, covering essential expenses, and providing stability in seasons that might otherwise feel overwhelming.

A Growing Need

As the PCA continues to grow and mature, so do the needs within it.

More pastors are reaching retirement age. More widows are living longer and requiring ongoing care. At the same time, rising healthcare costs and financial pressures are increasing the strain on ministry families.

The need for the Relief Fund is growing.

And with that growth comes an opportunity for the church to respond–to live out its calling as a connected, caring body, and to ensure that those who have faithfully served are, in turn, faithfully supported.

How to Get Involved

At its core, the Relief Fund is a bridge.

It connects those in need with those who are able to give. It reflects a shared commitment to care for one another across churches, cities, and generations. It honors the service of pastors and ministry families by ensuring they are not alone in times of hardship.

“You often don’t know the struggles and trials your pastor, his family, and other ministry workers endure. They often put on a great public face while having many internal struggles and weariness in the ups and downs of hard ministry work. Being able to provide relief is essential for helping those who serve the Lord openly and, in their calling, when they have extraordinary need.” – Relief Fund Monthly Sustainer

This is what it looks like to bear one another’s burdens (Galatians 6:2). And it is an invitation: 

As we support one another in times of need, the Church becomes a clearer picture of Christ’s love and care for His people.

Geneva Benefits Group serves those who serve others, providing practical support for the financial, physical, and mental wellbeing of people who work in full-time ministry.

Geneva offers preparedness and peace of mind with solutions tailored to the needs of ministry leaders and staff.