Full-time workers (more than 20 per week and more than 5 consecutive months a year) are enrolled in the Concordia Disability & Survivor Plan when they are enrolled in the Concordia Retirement Plan.The CDSP includes robust disability benefits for your workers. Disability benefits are determined by the worker’s annual compensation and must be submitted through the claim process.

CDSP Rates

Worker without Dependents - 1.20% of total annual compensation
Worker with Dependents - 2.25% of total annual compensation

Disability Benefits

Payment & Taxation

After the first 14 days of onset of the disabling condition and upon approval from Liberty Mutual, you will be eligible to start receiving disability benefits. Liberty Mutual will determine the duration of your benefits based on the nature of your condition and information supplied by your treating physician.

Taxation of Benefits

Disability benefit payments are subject to federal income tax. Concordia Plan Services is not required to nor does it withhold federal income tax from a lay worker’s disability payments unless the worker has provided CPS with a completed Federal W-4S, Request for Federal Income Tax Withholding from Sick Pay form. This form is available from Concordia Plan Services or the IRS website.
Rostered Ordained / Commissioned Ministers

Disability benefits paid are designated as “housing allowance.” This means that a disabled minister can exclude up to 100% of the disability benefits received from federal taxable income, to the extent that it is used to rent or provide a home.


Disability benefits received during the first six months following the last calendar month worked are subject to Social Security and Medicare taxes. 


Reporting a Disability Claim

When an eligible, enrolled worker is sick or injured (and is reasonably sure that the illness or injury will keep the member out of work for more than 14 days):
  1. Contact Concordia Plan Services at 888-927-7526 after the last day worked but no later than 90 days from the date the disability commenced to report the disability. Information required:
    1. Worker’s name, address, home and work numbers, and Social Security Number
    2. Worker’s last day of work and the first full day he or she was unable to work.
    3. Nature of the worker’s condition.
    4. Worker’s physician name and phone number.
    5. Employer contact's name and phone number.
  2. Liberty Mutual will contact the member for more information if necessary.
  3. Member will receive an acknowledgment letter of the claim and a claim number.

Returning to Work

With the physician’s permission, a partial return to work may be appropriate. A work phase may also be a part of a professionally developed rehabilitation plan. In either case, the normal benefit for total disability would be offset by 70% of the income earned from partially returning to work. It is important to notify Concordia Plan Services of part-time earnings so that the benefit amount can be accurately calculated and paid.