Resources
The 2025 Benefits Plan dues structure provides greater flexibility for congregations as they care for the well-being of their pastoral leadership. Check back regularly for new resources and tools.
The 2025 Decision Guide for Minister Benefits can help determine eligibility and costs for dues packages: Congregational Pastors Package, Transitional Pastor's Participation, and the Covenant Package.
2025 Benefits Plan
- Defined Benefit Pension Plan — offers financial security in retirement as guaranteed monthly income
- Retirement Savings Plan of the Presbyterian Church (U.S.A.) — helps participants achieve long-term retirement savings goals through a qualified 403(b)(9) defined contribution church plan
- Death and Disability Plan — offers peace of mind and income protection through death and disability benefits
- Term Life and Accidental Death and Dismemberment Plan — a low-cost option that includes a death benefit, plus coverage in cases where death or injury occur as a result of an accident
- Temporary Disability Plan — provides partial income to employees for a disability up to 90 days
- Long-Term Disability Plan — provides partial income to employees for a long-term disability that extends beyond 90 days
- Medical Plan — features three coverage options (PPO, EPO, and HDHP), with personalized support for navigating healthcare, generous preventive care and prescription drug benefits, an employee assistance plan, telemedicine, and an online well-being program
- Vision Plan — includes an annual routine eye exam and can help save hundreds of dollars every year on the cost of eyeglasses, contacts, and more
- Dental Plan — covers a wide range of basic and major services and orthodontic treatment for children under age 22
- Employee Assistance Plan — can help with life’s daily challenges or bigger concerns, confidentially and at no cost
- Dependent care flexible spending account — allows members to set aside pretax dollars to pay for eligible care expenses
- Healthcare flexible spending account — allows members to pay for eligible healthcare expenses, such as deductibles, copays, and prescription drugs, with pretax dollars
- Health savings account — uses pretax dollars for qualified healthcare expenses when offered with the high deductible health plan (HDHP)
Benefits Plan members have access to important assistance and education programs* that help foster wholeness. Some programs are designed specifically for ministers.
Programs include:
- need-based grants through the Assistance Program, including financial assistance for emergencies; debt relief; transition-to-college and adoption-related expenses; and respite, vocational, and sabbatical opportunities
- CREDO, an in-person, weeklong conference focused on pastors’ well-being
- Lifelong Learning programs, providing opportunities to learn about wholeness at specific stages of life, career, or ministry
*Member must meet program eligibility requirements.
Dues scenarios
This resource provides examples with calculations of how the 2025 benefits packages apply to ministers with varying situations.
Faithful Decision-Making e-learning series now available
The Faithful Decision-Making e-learning series is designed to equip pastoral leaders and employers — especially congregations — to make faithful decisions about benefits as one aspect of compensation, centered in A Theology of Benefits.
Learning about Healthcare Coverage Options for You and Your Family
Captioned in English, Korean, and Spanish
View a recording of this Aug. 8 webinar to learn about healthcare options other than those offered by the Board:
- healthcare costs and insurance trends
- healthcare coverage options and eligibility criteria for options other than those offered by the Board of Pensions
- how to be a good steward of your family’s health and financial resources.
Living by the Gospel
Living by the Gospel details the benefits that are available through the 2025 Benefits Plan and how they work together with the education and assistance programs to provide support. The reports in Living by the Gospel can guide meaningful conversation as congregations and ministers engage in faithful decision-making about 2025 benefits.
Breakdowns of data by gender, age, position, and congregation size provide callouts:
- A gap between the average salaries for men and women enrolled in the Benefits Plan persists, although the gap is narrowing among younger ministers.
- Smaller PC(USA) congregations are more likely than larger congregations not to have a minister in an installed position
Benefits to Serve a Changing Church
This brochure is a helpful resource for understanding the dues structures of the 2025 Benefits Plan.
Read the 2025 Benefits Plan
The plan introduces two new dues packages and includes benefits enhancements to provide even greater value to members and employers.
Understanding medical coverage
Medical coverage helps pay the cost of doctor visits, surgery, hospital stays, and more. It also can protect against unexpected, high medical expenses. Understanding how medical coverage works can help you make the most of it.