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Benevolence

Occasionally, ministers face instances of extreme financial need. In some of these cases, Pensions and Benefits USA can lighten the load with a direct cash subsidy. In addition to those benevolence plans listed below, there are other specialized benevolences as well. Requests for all such assistance come through the district superintendent and the district advisory board.

Emergency Medical Assistance

This plan helps cover emergency "hardship" medical expenses beyond the amount which is covered by regular insurance and Medicare.

Temporary Monthly Disability Assistance

For those ministers who have been determined by the Social Security Administration to be disabled, this plan pays a benefit to cover the "waiting period" before government payments begin.

Funeral Assistance

This plan helps pay funeral costs where there is no life insurance coverage or where such coverage is inadequate for funeral expenses.

emergencyGrants for financial emergencies created by unreimbursed medical expenses may be provided to qualified, active or retired ministers or to their immediate family members. Applications for such grants must originate with the District Advisory Board and the District Superintendent and must be approved by Pensions and Benefits USA.

All ministers are expected to carry basic hospitalization insurance for themselves and their family members. Those persons age 65 and over are expected to participate in Medicare, Plan B, if they are eligible. Pensions and Benefits USA assists in paying emergency "hardship" expenses beyond the amount which is covered by regular insurance and Medicare, for the 12-month period immediately preceding the date of the application. Note: Normal childbirth is not considered a medical emergency.

The regular medical emergency grants may not exceed $1,250 per family in this 12-month period.

Under the maximum limitation, the actual amount granted may be up to 80 percent of the net balance of medical expenses. The "net balance" includes only expenses for doctors, nurses, medicines, and hospital care minus insurance reimbursements and the appropriate Emergency Medical Assistance deductible as established by the following criteria:

  • Those receiving "Basic" Pension benefits will not be required to assume any deductible.
  • If the husband and wife have a total annual income of less than $5,000, the deductible is $100.
  • If the husband and wife have a total annual income of $5,000 or more, but less than $10,000, the deductible is $300.
  • If the husband and wife have a total annual income of $10,000 or more, but less than $15,000, the deductible is $500.
  • If the husband and wife have a total annual income of $15,000 or more, but less than $20,000, the deductible is $700.
  • If the husband and wife have a total annual income of $20,000 or more, but less than $25,000, the deductible is $900.
  • If the husband and wife have a total annual income of $25,000 or more, the deductible is $1,100.

"Total annual income" includes income from all sources for both husband and wife including the value of parsonage and cash housing allowance.

In cases of extreme medical costs, when a family has had more than $2,500 net balance expenses in a 12-month period, Pensions and Benefits USA may grant $1,250 for the first $2,500 (the maximum amount allowable for regular assistance) and 50 percent of the amount over $2,500. However, the maximum emergency grant, including both regular and extreme medical emergencies, may not exceed $2,500 in any 12-month period.

temporaryThis assistance is for a qualified minister who was actively employed by a Nazarene church at the time of disability, and who has been certified to receive a monthly disability benefit from the Social Security Administration.

Temporary Monthly Disability Assistance is designed to give the disabled minister assistance for no more than five months for the interim in which the local church income has ceased and the Social Security benefit has not yet begun. The amount of the monthly assistance will be equal to the monthly benefit certified by the Social Security Administration less any LTD benefit payable from any of the LTD plans available through the Pensions office.

Application must be initiated by the District Superintendent's request and approved by the District Superintendent and District Advisory Board.

funeralQualifying participants include: (a) district-licensed or ordained ministers in good standing in the Church of the Nazarene with membership on a United States district participating in payment of the Pensions and Benefits Fund; and (b) such minister's immediate family members (including widowed spouse, spouse, and child or step-child) who depend on such minister for full support. Benefit Eligibility is determined on the basis of financial need. Persons covered by any group life insurance plan through the Pensions office or any district group life insurance plan are not eligible for Funeral Assistance.

The benefit amount payable shall be equal to the lesser of $1,000 or one-half of unreimbursed expenses. If the deceased had any life insurance protection other than that offered by the Pensions office or a district group life insurance plan, the maximum benefit payable will be the lesser of $500 or any unreimbursed amount. Application must be initiated by the District Superintendent's request and approved by the District Superintendent and District Advisory Board.

Want to compare costs of funeral services in your area? Check this link.

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