Frequently Asked Questions

Do I have a Pin Code?

A PIN was issued to you when the first contribution was made to a valid account.  This would have been mailed to you using the home address you supplied on your application.  If you have not received a PIN, it may be because a contribution was sent in by your employer prior to enrollment. 

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If I have lost my PIN code, how can I get mine sent to me?

If you have lost you PIN, or never received one, you will need to call the automated Omega Plan Information Line.  The number is 1-800-991-9196.  You will be prompted to enter your account number.  You will then be prompted to enter your PIN.  Press the # key.  The system will then inform you that your PIN letter has been placed in the mail.  It should take 3 to 10 business days for the letter to reach you.

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Can I request my PIN online?

At this time, you cannot request your PIN using the internet.

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Can I change my PIN code?

Once you have a valid PIN, you may use the Omega Plan Information LIne or access your account online, and use the change PIN code feature.

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Can I access my account using the internet?

Almost all account transactions can be performed using our internet access to your account.  To access your account online, you will need to have your PIN available.  Go to RBI's website at and click on the link "Access your Retirement Account" at the bottom of the page.  You will be prompted to enter your account number and PIN.

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How do I change my investment allocations and/or future contributions?

There are three ways to change investment allocations and/or future contributions.  The first is to access it online.  The second is to call the benefits phone.  The third is to use an Investment Option Change Form.  This form is available from this website under the Forms menu in the Retirement section of the website.  Or you can contact us at 1 (800) 789-8765 and we can email, fax, or mail the form to you.  The form can be mailed or faxed back to our office.

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How often can I change my allocations?

You are allowed to change your investment allocations and future contributions as many times as you wish at no charge to you.  Changes made after 4 pm (ET), will be made the following business day. 

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What are my options if I no longer work at a PCA organization?

If you are not ordained in the PCA and no longer work for a PCA organization, you will no longer be allowed to make contributions to your plan.  If your balance is less than $2,500, we will be contacting you to make a required distribution from the plan.  However, if your balance is greater than $2,500, you are not required to take a distribution and can leave the money in the plan.

If you do wish to withdraw your money from the plan, there are four options.  First is a cash withdrawal.  Taxes will be withheld and if you are younger than 59½, a 10% penalty will be assessed at tax time.  Second, you can rollover the money to a Standard IRA.  Third, you can transfer the money to another 403(b).  The fourth and final option is to transfer it to a 401(k), if the plan administrator allows 403(b) transfers.  For all of these options, you will need to complete and Distribution form and fax or mail it to our offices in Lawrenceville.  This information is found on the form.

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What if I change organizations within the PCA?

If you change employment from one organization with the PCA to another organization within the PCA, there is no required paperwork.  However, since this usually means a change in personal information such as address or phone number, we would ask that you contact RBI by phone at 1 (800) 789-8765 or by e-mail at rbi@pcanet.org with any information that needs to be updated.

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How do I enroll myself or an employee in the Plan?

To enroll in the plan, an enrollment form needs to be completed and signed by the participant and sent to our offices in Lawrenceville.  This address should be found on the enrollment form.  Please do not send contributions prior to receiving confirmation of enrollment and do not send the enrollment with contributions.  This enrollment form is found in the Retirement section of this website or can be requested from RBI.  (Your employer may also have some of our brochures in stock.)

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What is the difference between Employer and Employee (Salary Reduction) contributions?

There are two primary types of accounts or contributions in the Retirement Plan.  The first is Employer (ER) contributions.  These are contributions that are made as a benefit to the employee and are not included in salary.  Employee (EE) or Salary Reduction contributions are contributions that an employer deducts from an employee's paycheck prior to taxes and then sends in on their behalf.  These amounts must be included as part of the employee's salary when calculating Social Security.  For further information, please call our offices at 1 (800) 789-8765.

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Once I fill out the Enrollment form, where should I send it?

Enrollment forms should be sent prior to any contributions to our correspondence address in Lawrenceville which can be found at the bottom of the form or on this website.  Once the enrollment is confirmed, contributions can be sent to the bookkeeper address on the remittance list.

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Can my spouse participate in the PCA plan if I am employed by a PCA organization but they are not?

The PCA plan allows only for participants who currently receive income from a PCA organization to participate.

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When should my organization start remitting contributions?

The organization can begin remitting contributions once the enrollment form has been processed by RBI.  An enrollment confirmation letter will be sent to both the participant and the organization.  If the participant was previously enrolled but employed at a different PCA organization, there is no need to fill out an enrollment form.  The organization can begin immediate contribution remittance.

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How often should contributions be remitted?

The Retirement Plan is a voluntary participation plan.  There will be no invoices for contributions to the plan.  Employer contributions can be made at any time or frequency. Employee (Salary Reduction) contributions must be remitted within 15 days of having been deducted from the paycheck.  Most organizations remit monthly but some remit quarterly or even yearly.

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Can I put money from a 401(k) or 403(b) from a previous employer into this account?

The PCA Retirement Plan allows transfers from 403(b)'s and 401(k)'s that you may have had with a previous employer.  You will need to contact that employer and retrieve the appropriate forms from them for that transaction.

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Can my spouse put their retirement money in my account?

Because retirement money is specific to an individual, participants, even spouses cannot combine accounts.

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Can I make personal contributions without going through my employer?

There is a provision for After-Tax contributions to be made to the plan, however, the interest earned is taxable upon distribution.  There is no tax benefit to a participant making after-tax contributions unless they are foreign missionaries or military chaplains.

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Why doesn't a contribution show up on my quarterly statement?

Sometimes contributions will not show up on a quarterly statement because the contributions were sent close to the end of the quarter posted to the account shortly after the quarter ended. 

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How can I find my current balances or other account information other than my statement?

Current balances and other account information can be retrieved using the Benefits Phone, using the internet or calling our offices.

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What is the loan provision?

Participants are allowed to borrow up to half of their account balance, not to exceed your balance in your Employer Contribution account.  The minimum loan is $1,000, which would require a balance of at least $2,000. The maximum loan amount is $50,000.  These loans can be made for 1-5 years, or 5-15 years in the case of purchasing a primary residence.  Interest is the current prime rate plus 1% and is paid back into your account.  For more information, please call our office at 1 (800) 789-8765.

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How can I model or initiate a loan?

To model or initiate a loan, you can call the Benefits phone or via the internet access to your account (PIN required) or you can call our offices at 1 (800) 789-8765.

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I have a financial need, can I take a withdrawal from my account prior to retirement age?

Generally, no.  Contributions can only be withdrawn if you are separated from service or demonstrate a financial need in one of four categories which are as follows:  to prevent eviction, to pay medical expenses, to avoid default on a mortgage or to pay college expenses.  A Hardship withdrawal such as this will carry all the withholdings and penalties of a withdrawal and you will be prevented from making Salary Reduction contributions for 12 months following the distribution.  We will withhold 20% as per Federal requirements.  The IRS will also assess a 10% penalty for cash distributions made before you are 59½.   For more information, please contact us at 1 (800) 789-8765.

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