Why Disability Insurance Matters in Times of Unexpected Change

In 2016, after more than 40 years in the business world, David Fowler found himself in a season of transition.

His career had taken him from being a CPA at Arthur Andersen to executive leadership in a real estate investment trust. Along the way, he also faithfully served the church as a ruling elder in Mississippi and as a leader in launching a church-planting network across the Mid-South. During this season of transition, David leaned on his faith, trusting God with what would come next.

That year, the Lord opened a new door. Through a mutual connection, David learned about an open position for a Director of Operations and Finance at Lookout Mountain Presbyterian Church in Chattanooga, Tennessee. “ I printed off the job description and started tearing up—I fit the job perfectly,” he said.

Everything changed when, in 2020, David was diagnosed with Parkinson’s disease. Despite the diagnosis, he continued to serve faithfully for another three years. But as symptoms progressed, he found it increasingly difficult to keep up with the demands of his position. “I couldn’t focus and keep up,” he said. Ultimately, he stepped down from his role in 2023 and began receiving disability benefits.

Providentially, David had been instrumental in introducing Geneva’s Disability Insurance to the church years earlier. He encouraged church leadership to think of it as a practical way to care for their team members, noting that people are much more likely to become disabled from an accident, illness, or injury during their working years than to die.

The church adopted the plan the next month, not knowing just how crucial it would become for David years later. The disability insurance proved to be a huge financial help for David and his family. “It doesn’t just cover medical expenses. It also covers 60% of my salary tax-free,” he explained.

Reflecting on his experience, David emphasized the peace of mind and security the coverage provided. “It bridged the gap between when I had to [stop working] versus getting me closer to when I wanted to retire,” he said.

He encouraged other churches to consider getting disability coverage for their staff.

“It’s a wonderful product. It doesn’t cost that much, and it takes care of the person when there’s a disability,” David said. “It was just a beautiful resource to have, and I would encourage every church to have it if they can.”

Despite the challenges of Parkinson’s, David remains grateful for the support he’s received. “I’m incredibly blessed…We’re thankful for Geneva and Lookout Presbyterian Church for providing a wonderful blessing.”

To learn more about Geneva’s Disability Insurance, visit genevabenefits.org/disability-insurance.