Eligibility

Once a church is enrolled in the Benefit Plan, all employees working at least 25 hours a week and included in a pre-determined class are eligible to participate in the Benefit Plan. The waiting period for coverage is an employee is eligible for the Benefit Plan beginning the 1st of the month following their hire date/eligibility date. This information is detailed in the Form 120: Employer Benefit Agreement. 

Payment Methods

While quarterly premium payments must be sent to FCMM by the church, churches can determine how each benefit will be paid on their Benefit Plan Employer Agreement. Groups or classes of employees can also have different payment methods.

Disability Insurance (STD and/or LTD) Payment Methods – payment methods can vary by employee class

• Staff Benefit (employer paid) – premium is paid by the church and benefit will be taxable if employee becomes disabled.
• Conventional Payroll Deduction (employee paid) – premium is paid by the employee through an after-tax payroll deduction and benefit will not be taxable if employee becomes disabled.
• Gross-up (employer paid) – premium is paid when the church adds an earning amount equivalent to the disability premium amount. Amount is then deducted as an after-tax payroll deduction. The benefit will not be taxable if employee becomes disabled.

Life/AD&D Insurance Payment Methods – payment methods must be the same for both employee classes

• Staff Benefit (employer paid) – premium is paid by the church.
• Payroll Deduction (employee paid) – premium is paid by the employee through an after-tax payroll deduction.

Cost

See the rates table below for cost.

Premium rates vary by Benefit Plan Option (Option 1: Standard Plan, and Option 2: Plus Plan). FCMM bills churches quarterly using the rates listed. Salary information affects an employee’s disability premium, so anytime there is an updated salary, complete and submit a new Benefit Plan Salary Worksheet (Form 103).

Plan Basics

Getting Started