You need to be able to support yourself and any dependents if you become disabled. It’s good to know that if a serious accident or illness strikes, the Comprehensive Plan provides disability income while you’re unable to work.
This income protection also helps your employer continue its ministry. The plan provides you with disability income, freeing employer resources to help the good work go on.
MMBB’s disability benefits are administered by The Hartford. Should you become disabled, call the MMBB Disability Reporting and Information Line offered by The Hartford toll-free at 877.889.0242.
You have disability income protection if your employer is paying premiums for you to the Comprehensive Plan. Benefits begin if you are unable to work as a result of an eligible disabling condition for more than three consecutive months.
The Comprehensive Plan defines disability as:
If you file a claim for disability during your first year of plan membership or reinstatement, your claim will be denied if your disability results from a condition that existed at the time of enrollment or reinstatement.
At no cost to you, your disability benefits:
Retirement Plan contributions paid on your behalf by your employer will continue, and will be paid by MMBB Financial Services while you are on disability. Contributions are based on your annual pre-disability compensation.
Contributions the plan makes for you while you are disabled are available to you in retirement, paid as an annuity. These amounts are not available for loans or withdrawals.
Other benefits will continue during your disability at no cost to you. If your employer is paying group health insurance premiums to provide you and your dependents with medical coverage at the time you cease working due to your disability as defined by the plan, this coverage may continue while you are receiving disability benefits from the plan. When you become eligible for Medicare, your medical coverage will switch to the MMBB-sponsored Retiree Health Insurance Plans, which coordinates benefits with Medicare. MMBB pays these premiums.
Your group term life insurance will continue while you are receiving MMBB disability income benefits.
Disability income benefits begin after you have been unable to work for three months due to a disabling condition as defined by the plan. Be sure to apply within the first 90 days of your disability. You will need to provide proof of continued disability from time to time.
If your disability ends and you become disabled for reasons related to your initial disability within 12 months, you will not need to satisfy the three-month waiting period again.
Your benefits end when the first of the following occurs:
If disability income benefits begin before you reach age 68, they continue until the later of:
If disability income benefits begin while you are age 68, they continue until the end of the month you receive the 36th monthly disability income benefit.
If disability income benefits begin while you are age 69, they continue until the end of the month you receive the 24th monthly disability income benefit.
If disability income benefits begin while you are age 70 or older, they continue until the end of the month you receive the 12th monthly disability income benefit.
Your disability income benefit is based on the greater of your pre-disability compensation or the average compensation upon which premiums have been paid. The plan is designed to provide a total level of income, so plan benefits are offset by governmental disability benefits.
The offset for government benefits depends on when you were approved for MMBB disability benefits.
If you were approved for MMBB disability benefits before January 1, 2008:
If you were approved for MMBB disability benefits on or after January 1, 2008:
Your eligible children under age 21 will generally receive a monthly benefit of $166.67.
Eligible children include your birth and adopted children who are dependent upon you for support at the beginning date of your disability. Any children born to you within 10 months of your disability are also eligible for the benefit.
Your children’s benefits continue until they reach age 21. In addition, the benefit will be increased each year by a percentage that is equal to the running five-year average of the Consumer Price Index (CPI) as of September 30 of the applicable year, except that in any year the five–year running average equals or exceeds 4%, the adjustment shall be the lesser of 2/3 of the prior year’s CPI or 4%.
All disability benefits, including child allowances, are ordinary taxable income. Disability benefits paid to disabled clergy members may be partially or totally tax-exempt if claimed as housing allowance eligible.
Disability income benefits will be denied if your disability occurs as a result of: