Retirement by Empower (Two types: Defined Benefit Plan or Defined Contribution Plan Managed)

The Defined Benefit Plan (DB) is the “legacy” pension plan that applies to retirees’ service for the Seventh-day Adventist Church in North America through the year 1999.

The Defined Contribution (DC) Plan is the “new” retirement plan that became effective January 1, 2000, when the Defined Benefit (DB) plan was frozen. The primary purpose of the DC Plan is to provide retirement income for the employees of participating employers and their beneficiaries. The contributions that an employee and employer make to the Plan, and the earnings on those contributions, are designed to provide a significant portion of financial security in retirement.

  • An employee may make deferral contributions to this plan.
  • An eligible employee may also receive employer contributions to the Plan if they meet the following criteria:
    • An employee of the U.S. Seventh-day Adventist Church entity as listed in the SDA Yearbook or an interdivision missionary from the United States sent by the General Conference of Seventh-day Adventists.
    • 20 years of age or older
    • NOT a student employee working for an Adventist educational institution

There are different eligibility requirements for employer contributions depending on which of the two retirement benefit options the employer has elected.

There may be employees who will be eligible for both DB and DC benefits. For more information please visit

If you are thinking about retiring please read the “Thinking About Retiring Article”, Complete the Retirement Application Questionnaire, and email it to




2018 Retirement Application Questionnaire

2018 Thinking-About-Retiring

2018 Participation Notice


Retirement SPD

Website Registration Instructions