Whether you’re nearing the end of your service with the Church or just planning well ahead, you’ll want to know all the details about your retirement plan. Depending on your calendar years of employment, you are participating in one (or possibly both) of the plans below. Click on the section below that applies to you and we’ll link you to the information you need.

Defined Benefit Plan

The Defined Benefit Plan (DB) is the “legacy” pension plan that applies to a retiree’s service for the Seventh-day Adventist Church in North America through the year 1999. It’s a plan you fall under if you qualify in one of the following two categories:

  • Employees of the General Conference headquarters, North American Division
  • Interdivision employees sent from a) the North American Division, b) General Conference institutions located within the North American Division, c) Union Conferences and local conferences and their institutions in the United States and Bermuda (with the exception of employees of health care institutions)

The Defined Benefit Plan guarantees a set amount that you, as a vested employee, will receive post-retirement, regardless of the performance of pension investments. [By contrast, the Church’s Defined Contribution Plan (DC)—which applies to a retiree’s service after 1999—specifies only the contributions the Church will make for each eligible employee.]

This DB Plan ceased to function for purposes of earning service credit on January 1, 2000 except for specific exceptions that are spelled out in the Plan document.  All the service credit you earned before that date will be “frozen” until you become eligible for retirement benefits.

Need more information or assistance?  These resources can help:

  • Considering opting out of Social Security participation? Read this paper to understand the issues. download
  • Thinking About Retiring? Here’s a Pre-Retirement Syllabus for you to review. download
  • A budgeting tool for determining retirement readiness download
  • Have Questions About Retirement? This “Pink Book” summarizes the Seventh-day Adventist Retirement Plan. download
  • If you want policy details about the Defined Benefit Plan, download this “Blue Book.” download
  • For policy details about the Seventh-day Adventist Hospital Retirement Plan, download this booklet. download