Group Life and LTD Insurance Premium Calculator
A tool to calculate premiums for group life and long-term disability insurance based on salary and coverage for RCA ministers.
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- Monthly salary eligible for coverage = LTD Salary / 12, up to $7,500 per month.
- LTD salary = 140% of total earnings if parsonage is provided; or 110% of total earnings if there is a designated housing allowance; or 100% of total earnings.
- The Spouse Life coverage amount or Dependent Child(ren) Life coverage amount cannot exceed 100% of the Employee Voluntary Life coverage amount, up to a maximum of five times the LTD salary.
- If you have chosen Employee Voluntary Life coverage over $200,000, or Spouse Life coverage over $30,000, you will need to complete an Evidence of Insurability form.
- Employee Voluntary Life coverage is required in order to have Spouse Life coverage and/or Dependent Child(ren) Life coverage.
- Both Employee Voluntary Life and Spouse Life coverage amounts will reduce by 50% when you reach age 70.
Basic Information
Long Term Disability monthly salary eligible for coverage:
$0.00
Group Life coverage amount:
$0.00
Coverage reduces by 50% at age 70
Monthly Premium
Total:
Yearly Total Premium
Total:
- For plan highlights, please check: https://www.rca.org/benefits/insurance/
- No premium will be charged for termination before the 15th day of the month. Full monthly premium will be charged for termination on the 15th or after.
- Final premium amounts will be determined by the Board of Benefits Services and are invoiced based upon the salary information on file.
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