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BRI offers eligible employees Long-Term Disability (LTD), Life, and Accidental Death and Dismemberment (AD&D) Insurance coverage through The Hartford. These insurance options are bundled, and therefore cannot be purchased individually.

LTD—provides 60 percent of qualified earnings (up to $4,000/month) after 90 days of total disability.
Life—a $50,000 Term Life Insurance policy (decreases after age 65).
AD&D—equal to the amount of the life insurance benefit.

See our Premium Rates Calculator for monthly costs for the LTD/Life, and AD&D coverage. To enroll, contact your church benefits administrator for specific church plan offerings. For enrollment related questions, contact the EPC Administration Office at 877-578-8707.

For plan questions or support, see or contact The Hartford Customer Service at 800-523-2233.

Use these quicklinks to navigate to the appropriate section of this page:

LTD Insurance
Life/AD&D Insurance
LTD, Life, and AD&D Resources
LTD, Life, and AD&D Documents
Supplemental Life and Accident Insurance


When employees are unable to work because of a disabling injury or illness, LTD Insurance helps by replacing part of their income. LTD coverage helps ensure that employees will still receive a portion of their income when they are absent from work for an extended period due to a covered disability. These absences may be a result of accidents, injuries, or illnesses that happen on or off the job. This is an important coverage for employees, because their savings might not be enough if an illness or injury keeps them out of work beyond their paid sick days. Additionally, LTD insurance can help employees pay the bills when they cannot work due to a covered claim.

The Plan goes beyond the benefit with built-in, value-added services to support an employee’s recovery—at no extra cost to the employee.

AbilityAssist—Confidential support for emotional, legal, and financial issues.
HealthChampion—Unlimited access to benefit specialists and nurses to address medical care and claims concerns.
Return-to-Work Coordinators—Access to clinically trained, legally knowledgeable specialists in the clinical field.
Travel Assistance and ID Theft Protection Services.


Life Insurance helps you protect your family financially by paying a cash sum if you die while covered by the policy. Life insurance provides money to those who depend on your paycheck to cover expenses such as:

Funeral expenses and medical bills
Monthly living expense bills, such as rent or mortgage payments
Debt, including credit card bills and other loans
A child’s college tuition

If your employment ends, you can convert your coverage to an individual policy with The Hartford to continue your coverage.

The Life and AD&D Insurance Plan goes beyond the benefit with built-in value-added services to support an employee’s or dependents at no extra cost to the employee.

Funeral Planning and Concierge Services—a suite of online tools to guide employees through key decisions before a loss, including help comparing funeral-related costs. After a loss, this service includes family advocacy and professional negotiation of funeral prices.
Hartford Life Essentials Beneficiary Assist—offers compassionate expertise to help employees or beneficiaries cope with emotional, financial, and legal issues that arise after a loss.
EstateGuidance Will Services—help protect a family’s future by creating a will online that is backed by online support from licensed attorneys.
Travel Assistance and ID Theft Protection and Assistance Services—includes pre-trip information and access to medical professionals around the world, as well as identity theft protection 24/7 through educational materials to help prevent identity theft, and access to caseworkers who can help resolve problems if you are a victim of identity theft.


Premium Rates Calculator

Calculators and charts provide monthly premium rates for 2019 EPC Benefit Plans

The Hartford

Answers to your questions about the LTD, Life, and AD&D Plan

Ability Assist

Counseling services that include up to three face-to-face sessions per occurrence, per year

Beneficiary Assist

Counseling services offering legal advice, financial planning, and emotional counseling

Estate Guidance

Will services that help you create a legally binding will, including unlimited revisions

Health Champion

Health care support services, offering specialists on all aspects of health care issues

Travel Assistance and ID Theft Protection

Local presence in 200 countries, with numerous 24/7 assistance centers



LTD Plan Highlights

Full-Time, Salaried Staff

Who work a minimum of 30 hours per week on a regularly scheduled basis.

LTD Plan Highlights

Management Staff

Who work a minimum of 30 hours per week on a regularly scheduled basis.

LTD Plan Highlights

Ordained Staff

Who work a minimum of 30 hours per week on a regularly scheduled basis.

LTD Plan Highlights

Full-Time Staff Earning Above $80,000 Annually

Who work a minimum of 30 hours per week on a regularly scheduled basis.

LTD Plan Handbook

For Full-Time Staff who work a minimum of 30 hours per week on a regularly scheduled basis.

LTD Plan Maximum Benefit Rider

For Full-Time Staff earning above $80,000 annually, who work a minimum of 30 hours per week on a regularly scheduled basis.


Supplemental benefits are offered to employees working 20 hours a week or more. BRI offers the optional Accident, Short-Term Disability, and Term Life insurance policies through Colonial Insurance Company. For more information, see our Supplemental Benefits page at

Information provided in this web site does not constitute legally binding advice. EPC benefits are subject to the provisions of the Medical Plan and Retirement Plan documents available on this web site or in print from EPC Benefit Resources, Inc. (BRI), 5850 T.G. Lee Blvd., Suite 510, Orlando FL 32822. For more information, contact BRI at or 407-930-4492 (voice and fax).

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