Pension Plans & Retirement Information

What's Changing To Your Pension for 2014?

Due to action of General Conference 2012, changes were made to the Clergy Retirement Security Program (CRSP) to strike a balance between benefit adequacy for clergy, and affordability and sustainability for churches and conferences.  Given these changes, it is essential that clergy understand the importance of making personal contributions to their UMPIP (United Methodist Personal Investment Plan) accounts.  Beginning January 1, the Conference's contribution to CRSP DC (Defined Contribution) accounts is reduced from 3% to 2%.  To offset this reduction, clergy should be making personal contributions of at least 1% of their plan compensation to the UMPIP to earn up to an additional 1% CRSP DC matching contribution.


If you are not currently participating in the UMPIP, you must complete a Before-Tax and After-Tax Contributions Agreement and give to your church payroll administrator to have the appropriate amount withheld from your salary check.  Your payroll administrator will fax or mail the Before-Tax and After-Tax Contributions Agreement to the General Board of Pension and Health Benefits, which will then invoice the church for the clergy's UMPIP contributions.

Click here for the icon Before-Tax & After-Tax Contributions Agreement


2014 Church Contribution Rate for CRSP:

CRSP Defined Benefit rate shall be 9.00% of plan compensation

CRSP Defined Contribution rate shall be 3% of plan compensation

("Plan Compensation" is defined as salary plus housing)


Clergy serving less than half-time are no longer covered under CRSP, due to the changes made to the plan.  To lessen the impact on their retirement savings, the churches served by these pastors will be billed on a monthly basis 12% of the pastor's plan compensation for deposit into the pastor's UMPIP accounts.


For more information on all retirement plans of The United Methodist Church, please visit the website of the General Board of Pension and Health Benefits:


As a reminder, active plan participants (including lay employees), surviving spouses, and terminated and retired plan participants (retirees with an account balance greater than $10,000) can receive valuable investing and financial planning guidance from Ernst & Young at no charge.  Just call 1-800-360-2539 between 9 a.m. and 8 p.m. ET, Monday through Friday.


Lay Employee Retirement Benefits

Lay employees of local churches and agencies of The United Methodist Church are eligible to participate in the United Methodist Personal Investment Plan (UMPIP).

Click this link to learn more:


Retirement Information – Are you ready to retire, but not sure what to do as you approach retirement? Please visit the General Board of Pension and Health Benefits retirement website for helpful information and additional links at