Concordia Retirement Plan provides workers with stability and income during retirement. Workers who are employed by an eligible LCMS employer who has adopted the Plan, and who work more than 20 hours a week, for more than five consecutive months out of the year, are eligible for membership in the Plan. Any eligible dependents you have at the time you enroll as a member of the plan are also enrolled in the plan.

With five years of creditable service in the CRP, you may retire as early as age 55, at the normal retirement age of 65, or you may continue working past normal retirement age. Your age, service, and when you decide to begin your benefits all have a different impact on each component of the CRP.

We recommend workers who are considering retiring contact our office 90 days prior to their retirement. Click here for more information.

If you terminate your employment prior to age 55, but with at least five years of creditable service, you are eligible for Vested Terminated Worker benefits. You will receive written notification from us letting you know the value of your benefits and the distribution options available. This letter will be sent 120 days after the end of the month in which your employment was terminated.

The Concordia Retirement Plan offers the following benefits:

• Primary Retirement Benefit
• The Supplemental Retirement Account
• The Retiree Medical Supplement (for workers of employers participating in The Church’s Plan).

Your eligibility for benefits in each CRP component depends on whether or not your employer participates in the Plan and whether or not you are enrolled.