PROTECT YOUR GREATEST RESOURCE: YOUR EMPLOYEES
Helping to protect employees against worst-case scenarios is not only smart, but also a caring and responsible thing to do. We can help you meet the needs of all types of ministries with dependent group life programs and accidental death and dismemberment insurance.
GROUP LIFE INSURANCE
Group life insurance is available for all Active Employees working 20 hours or more per week, except for any person working on a temporary or seasonal basis.
You must be insured for your Dependents to be covered. Dependents are:
- Your legal spouse who is not legally separated or divorced from you;
- Your unmarried financially dependent children birth to 26 years;
- A person may not have coverage as both an Employee and Dependent;
- Only one insured spouse may cover dependent children;
The benefit amount for Life and AD&D is 4 times earnings, rounded to the next higher $1,000, with a minimum of $10,000, subject to a maximum of $500,000. There is a spousal benefit of $10,000, and a benefit for child(ren): birth to age 26 years: $5,000.
ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE (AD&D)
Accidents don’t just happen to employees in dangerous jobs; they can happen to anyone. It makes sense to offer employees protection with AD&D coverage.
The benefit amount for Life and AD&D is 4 times earnings, rounded to the next higher $1,000, with a minimum of $10,000, subject to a maximum of $500,000. For accidental loss, benefits will be paid based on a schedule of coverage for the type of loss.
LONG-TERM DISABILITY INSURANCE
Disability income protection insurance provides a benefit for long-term disability resulting from a covered injury or sickness. Benefits begin at the end of the elimination period and continue while you are disabled up to the maximum benefit duration.
Long-term disability insurance is available for all Active Employees working 20 hours or more per week, except for any person working on a temporary or seasonal basis.
The benefit amount is equal to 60% of your monthly covered earnings, from a minimum of $100, to a maximum benefit of $5,000 per month.
QUESTIONS? NEED TO SUBMIT A CLAIM?
If you have questions regarding your insurance benefits, or need information on how to submit a claim, please contact the Church Benefits Board team at churchbenefits@churchbenefits.org or 770.220.1672.