Retirement & Insurance Plans

RPB’s enrollment process will help your prospective participants learn more about the retirement and insurance plans. Each new participant will complete their enrollment using RPB’s online enrollment portal.

Contact us if you or your employees have any questions about enrollment.

Based on an objective evaluation of contribution rates, RPB recommends that employers make an annual pre-tax contribution of at least 15% of the employee’s salary, including parsonage (for clergy). We also recommend that employees make an annual contribution of 3% or more of their salary, including parsonage.

Your employees can use the complementary Elective Salary Deferral Form that we provide to let you know how to begin or adjust their elective salary deferrals. RPB accepts both pre-tax and Roth post-tax elective contributions.

You’ll use MyRPB to submit contributions electronically through the Automated Clearing House (ACH). Employee contributions must be submitted no later than 15 days following the month they were deducted from the employee’s paycheck. A confirmation of plan contributions will be available on MyRPB after each contribution has been processed.

Employer and employee contributions are subject to annual IRS contribution limits. If employer contributions exceed the annual IRS contribution limit, RPB will automatically place the excess contributions into a Rabbi Trust account in the participant’s name.

Open enrollment for 2020 LTD coverage is December 1, 2019 through January 31, 2020.

New employees can enroll in LTD within 60 days of their hire date. Otherwise, open enrollment occurs twice each year: in December for the upcoming year, and in July for 6 months of coverage lasting through the end of the year.

During these periods, discuss LTD options with your employee(s) and sign up participants in the MyRPB employer portal.

To enroll existing employees, log in to MyRPB during open enrollment periods and click on Manage Plan Participants to add LTD. If the employee is part of our retirement plan, you'll see their name in the list of employees. Otherwise, click "Add LTD Participant"

New employees can enroll in LTD coverage within 60 days of their hire date, regardless of the open enrollment periods. To enroll a new employee, go to MyRPB and click on Manage Plan Participants to add LTD.

During open enrollment periods, log in to MyRPB and click on Manage Plan Participants to add LTD.

You first want to review and update their compensation and LTD benefits waiting period because LTD premiums are based on this information.

If you know an employee is leaving before the end of the year, for example if your rabbi is leaving on June 30, make sure you enter the future termination date to get a prorated premium amount. That way you won’t need to request a premium refund later.

To remove employees who no longer want LTD coverage, click “End LTD” on the "Manage Plan Participants" screen. If the employee no longer works for your organization, then click “Terminate” and enter the date.

Only employers can pay LTD premiums to RPB. We don’t accept payments from participants.

Premiums should be paid with post-tax dollars so that your employee’s benefit payments will be tax-free.

You can make premium payments in MyRPB before the end of the open enrollment period or within 60 days of a new employee’s hire date.

We calculate rates based on the employees' compensation and the waiting period between the onset of a disability and the commencement of benefits.

Requests for a refund of pre-paid premiums after employees have terminated coverage can be made through MyRPB within 60 days of the employee’s termination date.