Providing your employees with the safety net of life insurance provides peace of mind for employees and their families. In addition, life insurance is increasingly a standard of quality benefits at employers.

Full-time workers (employed more than 20 hours per week and intended to work for more than 5 months) are enrolled in the Concordia Disability & Survivor Plan (CDSP). The CDSP offers both disability benefits for workers and lump-sum death benefits to workers and their enrolled dependents. The amount of the benefits are determined by the individual worker’s circumstances. 

CDSP Rates

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

Reporting a Death

To report the death of a worker or dependent, call Concordia Plan Services at 888-927-7526. Once we have received your call we will send a packet of information including forms to complete. Along with the completed forms, a certified death certificate is required.
In the event that a member dies while overseas, the death needs to be reported to the U.S. Embassy in the country in which the death occurred. Additional documentation needed may include: police report, physician’s statement, certified death certificate, and cancelled passport.

Death Benefits

Benefit Portability

Portability of survivor benefits is possible. If a member leaves his or her position, lump sum benefits and supplemental life insurance may be eligible to be maintained or continued after leaving an LCMS employer. If a member chooses to port death benefits or life insurance coverage, that member will also have the option to port their dependent coverage. Limitations may apply. Members interested in porting benefits should contact Minnesota Life for details about coverage options.


Eligibility Requirements for Porting Survivor Benefits

  • Individuals who are leaving employment, retiring, taking a leave of absence, have a reduction in hours or have lost eligibility for benefits, and
  • Have been actively working on his/her last day, and
  • Be employed at an employer that is currently enrolled in Concordia Disability and Survivor Plan.

Designating Beneficiaries

To designate your beneficiaries for the Concordia Disability & Survivor Plan: 
Complete a Beneficiary Designation Form.
Return to Concordia Plan Services.

Will Preparation Services

Active workers enrolled in the Concordia Disability and Survivor Plan can receive legal will preparation assistance from Minnesota Life through Ceridian LifeWorks, including will creation, financial calculators and other financial resources and legal information.