Long Term Disability Plan

Long Term Disability Coverage

FCMM provides affordable long-term disability (LTD) group coverage to the pastors and support staff serving in EFCA churches. This coverage is intended to ensure the continuation of a portion of an employee’s salary should a disability occur. Starting January 1, 2014, $10,000 in group term life insurance and AD&D has been added to the plan and automatically applies to all participants.


  • In the event of a qualifying disability, this LTD policy will pay the individual 60% of his or her qualified monthly salary up to $6,000 per month. This benefit is offset by any Federal Social Security Disability Benefits he or she might receive.
  • A Spousal Disability Rider which offers a benefit of up to $1,500 per month payable for up to 24 months.
  • A Severe Disability Rider of an additional 20% benefit up to a maximum benefit of $1,000 per month, which is payable due to the loss of two activities of either daily living or cognitive impairment.
  • A Partial Disability Rider provides a benefit when earnings are reduced by more than 20% because of sickness or accidental injury.
  • Coverage includes $10,000 in group term life insurance plus accidental death and dismemberment insurance.


There are a few basic features of Long Term Disability Insurance that each church (employer) needs to understand and communicate correctly with its staff:

  • Group disability is a benefit made available through an employer. Eligible participants must be in active employment at least 25 hours per week at an EFCA church or organization in the United States.
  • Coverage begins the first of the month following eligibility (eligibility period established by the church, usually 30 days) and ends on the date of termination. Severance pay is not considered active employment.
  • Premium payments must come from the employer. The local church board will decide for each “class of employees” if the payment is an employee benefit (i.e., funded by the church as part of the compensation package) or a payroll deduction (i.e., funded by the employee).
  • EFCA long-term group disability insurance can be converted to an individual policy if an employee leaves his or her EFCA position. Procedures for the participant are given within the plan certificate.
  • Pre-Existing Condition Limitations will apply as outlined in the plan contract. You have a pre-existing condition if:
    • You received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines in the three months just prior to your effective date of coverage; and
    • The disability begins in the first 12 months after your effective date of coverage.