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President's Message

Hear from GuideStone's President
O.S. Hawkins.

Disability Plan FAQs

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Am I eligible for GuideStone Insurance's Disability Plans?

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What is the benefit percentage?

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What is an Elimination period?

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What is the maximum benefit period (ADEA I and ADEA II)?

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What does ADEA stand for?

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What does 2 or 3 years own occupation (definition of a disability) mean?

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What is the definition of self-reported mental/nervous?

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What is the difference between Self and Family Social Security offset?

Am I eligible for GuideStone Insurance's Disability Plans?

You are eligible if you are a paid employee of a church, agency or institution affiliated with the Southern Baptist Convention;
- OR -
You are a paid employee of a church, agency or institution that shares common religious bonds with the Southern Baptist Convention; and
You work 20 or more hours per week; and
You provide evidence of good health.

What is the benefit percentage?

The percent used to determine the benefits payable. The benefit percentage is applied to reported covered salary to determine the benefit amount.

What is an Elimination period?

A period of consecutive days of disability for which no benefit is payable. The elimination period begins on the first day of disability.

What is the maximum benefit period (ADEA I and ADEA II)?

The length of time benefits are paid while you are disabled. The maximum benefit period depends on your age at the time disability begins. GuideStone makes available plans with two maximum benefit period options, the ADEA I and ADEA II, shown below.

ADEA I
Age at Disability	Maximum Period of Payment
Less than 60	To age 65, but not less than 5 years
60	60 months
61	48 months
62	42 months
63	36 months
64	30 months
65	24 months
66	21 months
67	18 months
68	15 months
69 and over	12 months

ADEA II
Age at Disability	Maximum Period of Payment
Less than 60	Greater of age 65 or 5 years
60 to 64	5 years
65 to 69	Greater of age 70 or 1 year
70 and over	1 year

What does ADEA stand for?

The Age Discrimination Employment Act.

What does 2 or 3 years own occupation (definition of a disability) mean?

For the first 24 or 36 months (as per plan benefits) of a disability, you are considered totally disabled if you are unable to perform the material duties of your regular occupation due to a covered injury or sickness. After 24 or 36 months (as per plan benefits), you are considered disabled if you are unable to perform the material duties of any gainful occupation for which you are reasonably fitted by education, training or experience.

What is the definition of self-reported mental/nervous?

Your condition is defined by symptoms that you report to your physician, but are not verifiable using tests, procedures or standard clinical examinations accepted in the practice of medicine. Examples of self-reported symptoms include, but are not limited to, headaches, pain, fatigue, stiffness, and loss of energy.

What is the difference between Self and Family Social Security offset?

Self: Your gross disability payment will be reduced by the amount you receive or are entitled to receive as disability payments under the United States Social Security Act.

Family: Your gross disability payment will be reduced by the amount you, your spouse, or your children receive or are entitled to receive as disability payments under the United States Social Security Act.

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