The RCA’s Book of Church Order requires a minister’s employer (whether a church or another organization, in the case of a specialized minister) to provide these benefits to the minister. When a church extends a call to a pastor, the church promises to provide all three kinds of insurance, in addition to contributions to the RCA 403(b) Retirement Program.
Ordained and commissioned pastors actively serving at least 17.5 hours per week are provided with employer-paid group life and long-term disability insurance benefits through the Board of Benefits Services (BOBS). Ministers who work at least 20 hours per week may enroll in medical and life insurance through the Reformed Benefits Association (RBA).
What happens to my LTD and life insurance if I am no longer working?
If you are no longer working, you cannot remain insured through BOBS. Your long-term disability (LTD) insurance will terminate upon your retirement date or last day worked. You may continue your life insurance directly with Unum by converting your insurance (changing your group term life to an individual whole life policy) or porting it (changing from the Board of Benefits Services’ group term life to Unum’s group term life). This must be done within 31 days of your retirement date or last day worked.
One thing to keep in mind when continuing your insurance is that your rates will increase. If you are converting your insurance, your new premium will be based upon the amount of your insurance policy and Unum’s rate for your age. If you are porting your insurance, your new premium will be based upon the amount of your insurance policy and Unum’s group rate.
For more information, contact Cineca Anthony.
* BOBS no longer administers long-term care (LTC) insurance. If you have a question about your LTC policy, contact Unum directly at 866-679-3054.
Group medical insurance is available through the Reformed Benefits Association (RBA). The RBA is a nonprofit corporation established by the Reformed Church in America and the Christian Reformed Church in North America. The RBA offers a variety of group medical insurance plans as well as group life insurance, vision, dental, and additional supplementary plans.
The Book of Church Order requires employers to provide insurance coverage that meets or exceeds the minimum standards set by BOBS. If a minister’s spouse carries the insurance, the church should cover the premium costs up to the premium costs of the RCA plan meeting the minimum standards.