Whether you are missing work for a scheduled surgery or have a surprise diagnosis, the CDSP is there to provide disability benefits to enrolled workers. The amount of disability benefit that a worker is eligible to receive is calculated based on his or her current salary and subject to the terms and conditions of the Plan.
As an enrolled worker, The Concordia Disability and Survivor Plan (CDSP) provides your disability benefits as 70% of your compensation (based on salary at the time your disability begins). Benefits may be reduced by: compensation earned while disabled, state mandated benefits, Social Security disability benefits, and other forms of income as defined by the Plan.
Lifetime Disability Maximum

Disability benefits for any disability resulting from or caused by mental illness or substance abuse, or that is a self-reported or subjective-symptom condition, will be limited to a maximum period of 104 weeks during a person’s lifetime (if the condition is the primary disabling condition). The lifetime maximum will not apply in cases of mental illness caused by stroke or cerebral vascular accident, viral infection, Alzheimer’s disease, senility and/or dementia, organic brain syndrome, or closed head injury. A “self-reported or subjective-symptom condition” is one that cannot be independently verified and measured using generally accepted standard medical testing, procedures, and practices (e.g., headaches, fatigue, pain, etc.). If the person is confined in a hospital or institution at the end of the 104-week maximum benefit period, disability benefits will continue during the confinement and, if still disabled when discharged, a recovery period of up to 90 days. The member’s waiver of contributions for the Concordia Plans will also end when benefits end.

Pre-Existing Condition Limitation

Workers are subject to a pre-existing condition limitation. No disability benefits will be paid for any disability commencing during the first 12 months of plan membership that is caused by or resulting from a medical condition that, during the three months prior to CDSP enrollment, the worker received medical treatment, consultation, care, or services, or had symptoms that would cause a reasonable person to seek diagnosis, care, or treatment. No waiver of contributions for the Concordia Plans will be applicable either.

  The pre-existing limitation will NOT apply, however, for new graduates of LCMS seminaries, universities, and colleges when they are enrolled at their first assignment after graduation. Nor will it apply to ordained or commissioned ministers who are re-enrolled in the CDSP within one year of a termination of their Plan membership.  


Reporting a claim

Contact Concordia Plan Services at 888-927-7526 to report a disability. You need to call after the last day worked but no later than 90 days from the date your disability commenced.

You will be required to provide:
  • Contact information for yourself, your employer, and your physician
  • Your last day of work and nature of your condition

Liberty Mutual, our benefit administrator, will contact the member for more information if necessary. The worker will receive an acknowledgment letter of the claim and a claim number.