Everyone needs a safety net. RPB offers a low-priced comprehensive Long Term Disability insurance plan to help you cover essential costs in case of any illnesses, injuries or accidents that leave you unable to work.

For Participants


Annual Open Enrollment is December 1 through January 18, 2019 for coverage through calendar year 2019.

Participants who work for Union for Reform Judaism-affiliated congregations who work at least 18 hours per week are eligible.

Want to sign up?

  • Tell your employer you’re interested in LTD. New hires can sign up within 60 days of their hire date. Otherwise, sign up during the open enrollment periods in July/August and December of each year.
  • Choose whether you want a 90-day or 180-day waiting period.
  • All payments must be made by the employer. We don’t accept payments directly from employees.

Want to renew?

  • You can choose to change your 90- or 180-day waiting period.

For Employers


Annual Open Enrollment is December 1 through January 18, 2019 for coverage through calendar year 2019.

What you should know:

  • Discuss LTD options with your employee(s) and sign up participants in MyRPB.
  • Make premium payments online on or before January 18.
  • Only employers can pay LTD premiums to RPB. We don’t accept payments from participants.
  • If employees have terminated coverage and you want a refund of pre-paid premiums, you must request the payment within 60 days of the termination date in MyRPB by checking the appropriate box when you terminate employees.

Enroll employees who don’t have coverage:

  • During open enrollment periods, log into MyRPB and click on Manage Plan Participants to add LTD.
  • If the employee is part of our retirement plan, their name will be listed. Otherwise, you can add the employee.

Enroll new hires in LTD:

  • New employees can enroll in LTD within 60 days of their hire date, regardless of the open enrollment periods. Go to MyRPB and click on Manage Plan Participants to add LTD.
  • If the new hire has already been added to the retirement plan, their name will be listed on the Manage Plan Participants page. Otherwise, you can add them from that page.

LTD Plan Highlights

RPB’s LTD Plan through MetLife provides important income replacement insurance for employees who are unable to work due to a disabling injury or illness. All employees of URJ-affiliated congregations, as well as employees of the URJ, CCAR and RPB, who work at least 18 hours a week are eligible for the plan. Benefits include:

  • 60% replacement of the employee’s regular earnings. If an employee also qualifies for disability income from other sources such as social security disability, the disability benefit will be reduced accordingly. The maximum income replacement from all sources is 66 2/3 percent.
  • Affordable annual group rates* based on benefit waiting period, the time between the onset of a disability and commencement of benefits.
    • 180-day benefit waiting period: $4.80 per thousand dollars of salary (including parsonage, if applicable)
    • 90-day benefit waiting period: $5.44 per thousand dollars of salary (including parsonage, if applicable)
      *Semi-annual rates are half the annual rate
  • Tax-free disability benefits when the premium is paid with post-tax dollars through the employer. Read our FAQs for more information on taxation of LTD benefits.
  • Benefits are paid until an employee’s normal social security retirement age or the employee no longer qualifies for benefits, whichever occurs first. Benefits that begin after the age of 62 may extend past the normal social security retirement age.
  • Rehabilitation benefits encourage qualified candidates to return to work without losing all of their income replacement benefits.
  • A “Conversion Privilege” to an individual policy.

Benefit Details

Click on the appropriate link below for an explanation of LTD plan benefits: