Unemployment, Workers’ Compensation and Short-Term Disability Insurance
NYS Unemployment Insurance
In general, virtually all employed persons in New York are covered by unemployment insurance. However, New York State’s Unemployment Insurance law provides exclusions from coverage for certain persons rendering services to not-for-profit corporations including United Methodist churches. Section 563 (2) excludes services rendered to a non-profit organization. The church must cover employees that perform non-religious services for unemployment insurance. Such staff would include, among others, administrative secretaries, local church treasurers, janitors/custodians, and financial secretaries that are paid by the local churches for their services (“covered wages”). Click here for more information.
Workers' Compensation Insurance
The Upper New York Annual Conference has a master insurance program for all churches, conference offices and operations, camps and affiliated organizations, which includes workers' compensation coverage for employees of the Conference, as well as employees of local churches (both clergy and lay), in accordance with New York State law. Benefits are payable for medical expenses and partial salary continuation in the event of work related accident, injury, or illness. The amount and duration of payment depend upon the nature of the injury or illness.
Any employee who is injured or becomes ill on the job must report this as soon as practical to his/her supervisor in order to ensure that appropriate medical attention is sought, and report and claim forms are completed and submitted in a timely fashion. Failure to report a work related accident, injury, or illness as soon as possible could jeopardize an employee’s right to receive worker’s compensation benefits in response to that incident.
It is expected that when a person who is covered by the Church’s workers compensation policy is not working for more than one week due to a medical condition, and salary is being continued, that said person will file a claim for benefits to be reimbursed to the church. Should the clergyperson/employee desire not to file a claim, their salary may be reduced by the expected amount of the insurance reimbursement upon action by the SPRC and notification to the District Superintendent.
To File a Claim:
- Claims can be filed by contacting Church Mutual at (800) 554-2642, option 2. Please mention that you are part of the Upper New York Conference.
- Injury and Illness Incident Report (sh-900.2) - To be completed and filed at worksite by Employer within 7 days of Employee injury
- Form C2 - To be completed and submitted by the Employer within 10 days of Employee injury
- Form C3 - To be completed and submitted by the Employee
Workers' Compensation Resources:
- Requests for Certificates of Workers' Compensation can be obtained by contacting Church Mutual at (800) 554-2642, option 1.
- NYS Workers' Compensation Board
- Occupational Safety and Health Administration (OSHA)
- OSHA 300 Handbook/Log for recording work-related injuries and illnesses
Short-Term Disability Insurance
The Upper New York Conference provides short-term disability insurance through Guardian Insurance for all employees (both clergy and lay) of local churches, conference offices and operations, camps and affiliated organizations in accordance with New York State law. Benefits are payable for disability due to non-work related accidents, injuries or illnesses. Payments may be made for up to 26 weeks after a one week waiting period. Maximum reimbursement to the church/employer is 50% of wages up to $170 in benefit per week.
Any clergy person or employee who needs to file a claim for disability benefits should complete a claim form (below) (DB450). The church treasurer should complete the Employer Statement. Policy numbers are provided on the Certificate of Disability Insurance.
- For clergy claims, the questions pertaining to continuation of salary and reimbursement to employer (13 & 14) should be answered “YES”. (Churches should have their own policies in relation to continuation of salary for lay employees.)
The claimant will then provide the DB450 to his/her physician to complete the Physicians Statement. The physician’s office can submit the claim directly to Guardian at the address on the form.
Claims should be filed within 30 days.
It is expected that when a person who is covered by the Church’s disability policy is not working for more than one week due to a medical condition, and salary is being continued, that said person will file a claim for benefits to be reimbursed to the church. Should the clergyperson/employee desire not to file a claim, their salary may be reduced by the expected amount of the insurance reimbursement upon action by the SPRC and notification to the District Superintendent.
Short-Term Disability Resources:
- Disability Notice and Proof of Claim (DB450) - to be filled out by employee, employer and physician then forwarded to Guardian
- Disability Notice of Rights (DB271-S)- to be provided to all employees at time of hire
- Certificate of Disability Insurance (DB 120.1) requests - please contact the Conference Human Resources Generalist, Tracy Rickett, (315) 898-2000 ext. 2017, or Victoria Weise at Walsh Insurance, (716) 362-7366.
- NYS Disability Coverage general information
- Questions about specific Disability claims should be directed to Guardian at (800) 268-2525