Long Term Disability Insurance 2018-07-18T15:36:37+00:00

Long Term Disability Insurance

UnumWhile most Americans insure their lives and material assets, like their homes, cars, etc., many overlook the need to protect one their most valuable assets – their ability to work. Fewer than 20% of all working people own a personal disability policy that insures their income against the threat of an unexpected accident or illness. Yet, insurance claim studies indicate that the odds of becoming disabled for 90 days or longer are much greater than dying during one’s work years.

RBI offers three LTD plans (as listed below).  These plans offer multiple features, multiple pricing and provides each church the flexibility to create employee classes in order to offer disability plan variety at the local level.  The plans may be offered to or provided for all full time (30 hours per week or more) ministers, missionaries and lay employees of a PCA church, committee, agency or other related entity.

PCA Enhanced LTD PCA Basic LTD Voluntary LTD
Policy 0575359 051 0575359 061

0575359 071

Monthly Benefit 66 2/3% of Monthly Earnings 66 2/3% of Monthly Earnings 60% of Monthly Earnings
Monthly Maximum $15,000 $6,000 $6,000
Definition Own occupation to Benefit Duration Own Occupation to 24 months and then Any Occupation to Benefit Duration Own Occupation to 24 months and then Any Occupation to Benefit Duration
Elimination Period 90 Days 90 Days 90 Days
Pre-Existing Condition 3 mos/12 mos 3 mos/12 mos 12 mos/24 mos
COLA Yes (3% for duration) No No
Retirement Income Protection 9% of Monthly Earnings No No
Worldwide Travel Assistance Yes Yes Yes


To provide benefits, the employer (church, school, organization, etc.) must complete an Insurance Adoption Agreement for the organization and an Enrollment Request Form for each employee covered by the benefit. Each employee will then receive a link to the PCA RBI benefits enrollment portal (SmartBen) to complete the plan enrollment.

Minimum Participation

In order to be eligible for group coverage, the employer must also have a minimum number of employees who will be covered.  This helps ensure an adequate spread of risk across the insured group.  The minimum number of lives required for a “group” varies by product options.  Contact RBI at insurance@pcanet.org or 1-800-789-8765 for more details.

Other provisions apply. The policy certificate supersedes any information published on this website. Select the Insurance Brochure for a more robust summary, rate sheet for current pricing or review the policy certificate for details (certificates are available through the SmartBen web portal or by contacting RBI).