FCMM makes it easy for EFCA churches and ministries to offer retirement and other benefits to their employees at competitive rates within a group that shares their Christian values.
“[FCMM] takes care of all those legalities and loopholes — things the average person either doesn’t think or know about.”
"[At FCMM,] They understand ministry-minded people and they’re really watching out for those in full-time ministry.”
“If a pastor is nearing retirement, the church needs to be able to move on and find new leadership. If there’s no plan set up to support the pastor, that can put a church in an awkward position.”
“We may not, as pastors, view ourselves as 'retiring.' We always want to be engaged in ministry, but there will come a time when our income will decline."
There are two types of contribution limits to the FCMM Retirement Plan: the overall limit and the salary deferral limit.
The overall limit
FCMM Benefits & Retirement, the church benefits organization of the EFCA, monitors developments affecting how local churches provide for staff.
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Evangelical Free Church of America
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