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You are eligible to participate in the Lay Defined Benefit Plan if:

  • Your employer participates in the plan
  • You are scheduled to work a minimum of 1,000 hours per year


  • You will begin to earn Credited Service and accrue a benefit once your employer notifies CPF of your eligibility to participate in the plan, provided your employer pays the assessment on time.

If you are re-employed in the Church after previously participating in the Plan, the Lay DC Plan or the RSVP, you are eligible to enroll in the Plan with your new participating employer if:

  • You were employed by the Church within the last 30 years.
  • You are scheduled to work a minimum of 1,000 hours per year with your current employer.

For details, please refer to A Guide To Benefits Under the Lay Defined Benefit Plan

The Lay Defined Benefit Plan is a qualified plan under Section 401(a) of the Internal Revenue Code, but as a church plan, it is not subject to ERISA. The plan's financial condition is disclosed in the Church Pension Group Annual Report.

The Church Pension Fund, as sponsor of this plan, continues to monitor the funding status closely. Like many defined benefit plans, the Lay Defined Benefit Plan currently is not fully funded. The Church Pension Fund retains the right to amend, terminate or modify the terms of the Lay Defined Benefit Plan, including the employer assessment rate, without notice and for any reason.

Pensions Disclaimer

Right Rail

Revisions to Lay DB and Lay DC Plans

The Church Pension Fund has announced revisions to the Lay DB Plan, Lay DC Plan, and the RSVP effective January 1, 2018.
 Learn more

If you are planning on retiring in 2018, contact CPG to schedule a discussion at 
(866) 802-6333
Monday – Friday
8:30AM – 8:00PM ET
(excluding holidays)