ACC Plan Consolidation
Insurance
If you have long term disability and/or life insurance through ACC, your coverage continues through December 31, 2026 then moves to RPB on January 1. And you’ll pick up great new benefits along the way.
Long-term disability (LTD)
- You’ll be automatically enrolled in RPB’s LTD plan. RPB’s larger participant pool means you have access to expanded benefits, including:
- Broader eligibility. Part-time cantors working as few as 18 hours a week can be covered.
- Own occupation coverage. If your disability is such that you’re unable to sing, RPB’s plan will cover you for the full duration of your disability, even if you’re able to do other work.
- No cap on reasonable accommodation expenses. There’s no limit on the benefit paid to help your employer make accommodations so you can return to work.
- Contribution insurance. If you’re contributing 10% or more of your income to your retirement account, your employer’s contributions continue for the length of your disability, at no extra cost.
- Higher maximum compensation base. If you earn more than $240,000, more of your income will count toward your disability benefit.
- A choice in your waiting period. Choose a 90- or 180-day waiting period, depending on what fits your budget and needs.
- Additional benefits, including rehabilitation incentives, a cost-of-living adjustment, and a monthly payment to your beneficiary in the event of your death.
- Time insured under your ACC policy counts toward the pre-existing condition look-back period in the new policy.
- If you’re currently on claim, your benefits continue. The consolidation doesn’t affect them.
Life insurance
- If you’re an employed cantor and your retirement plan contributions are 10% or more of your compensation, you automatically receive $50,000 of basic life and accidental death and dismemberment insurance at no additional cost.
- If you currently have supplemental coverage through ACC you’ll need to re-enroll with RPB. Coverage will not transfer automatically.
- You’ll have a 120-day window after January 1 to purchase additional coverage without medical underwriting up to the lesser of $300,000 or two times your compensation. A Statement of Health will be required for coverage above that amount.
- RPB’s plan doesn’t include dependent coverage. If you still want that coverage you’ll need to buy an individual policy.
- Participants will select coverage as a multiple of their compensation rather than a flat dollar amount. This allows their coverage to increase automatically as their compensation increases.