When a retiree, employee or your own Human Resources team needs information and guidance, it’s critical to have the facts at hand. Click on the sections below and you will find the rules and terms for our retiree plans, important documents and required forms, answers to common questions, and more.

Defined Benefit Plan

The Defined Benefit Plan (DB) is the “legacy” pension plan that applies to retirees’ service for the Seventh-day Adventist Church in North America through the year 1999. It’s a plan they fall under if they 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 they, as vested employees, 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 [link to this document].  All the service credit that employees earned before that date will be “frozen” until they become eligible for retirement benefits.

Need more information? These resources can help:

  • Benefits Calculator 2017 download
  • Benefits Calculator 2018 download
  • Benefits Calculator for Guam Micronesia Mission download
  • Benefits Calculator Instructions – Hospital download
  • Death of an Employee-Checklist and Policies download
  • Defined Benefit Plan (policy book) download
  • Graduate Study Service Credit Application download
  • Hospital Annuities Table download
  • Retirement Allowance Accrual Spreadsheet Tool download
  • Retirement Allowance/Lump Sum Incoming Direct Rollover download
  • Retirement Allowance/Lump Sum Incoming Direct Rollover New York Employers download
  • SDA Hospital Retirement Plan (policy book) download
  • Service Credit Certification Procedure download
  • Service Credit Certification Affidavit download
  • Retirement Questionnaire download
  • The Church Pension Annuities Tables 2017 download
  • The Hospital Pension Annuities Tables 2017 download
  • Thinking About Retirement download