Serving your ministry.

Created by the Lutheran Church – Missouri Synod more than 50 years ago, Concordia Plans is dedicated to serving LCMS organizations and church workers. We bring together thousands of ministries of all sizes, enabling us to offer you affordable, quality benefits, as well as business solutions that allow you to focus on what really matters: spreading the Word of God.



Health Care & Wellness

Attract and retain healthy and engaged workers.



Educate and prepare your workers for retirement.


Life & Disability

Provide financial peace of mind when the unexpected happens.


Payroll Services

Pay your workers with accuracy while spending less time on administration.


HR Services

Tackle compliance and other HR challenges with confidence.


Plans Management Help

Access tools and resources to manage your plans.


We were founded by the LCMS to serve ministries and workers with health, retirement, disability and survivor benefits that align with our Christian faith and values.

Concordia Plans is invested in the health and wellness of your workers, offering comprehensive health and financial plans that care for them throughout their lives. Focused on better outcomes through quality providers and robust wellness programs, we’re committed to problem-solving with you, not just claims processing for you.

Our long-term partnership approach of honoring service by caring for workers so they can “be well to serve well” is different than insurance and financial companies.



Employers proudly served including congregations, universities, schools, seminaries, social service organizations and other ministries.



Ministry workers and dependents covered by the Concordia Plans.



Retirees and serving spouses receiving benefits from the Concordia Retirement Plan (pension).

What makes us different?

Our purpose.


Founded more than 50 years ago by the LCMS, CPS was formed with a simple purpose: to provide benefits to pastors, teachers and church workers as they focused on a life of service. We bring the LCMS community together so you can benefit from collective negotiating that allows for greater benefits at lower costs and new opportunities for your ministry and workers.

Targeted outcomes.

CPS is in it for life – we’re invested in the long-term health and wellness of LCMS workers. Focused on improving physical, emotional and financial health for all members, we offer support to help workers get healthy and stay healthy – so workers can be well to serve well:

  • Financial planning.
  • Retirement solutions.
  • Disability and life insurance.
  • Health care benefits.
  • General and targeted wellness programs.

Customer focus.

We ask, listen and respond to your needs because we understand that not all ministries are the same. The solutions we offer are flexible for you.


Best-in-class financial expertise.

Concordia Plans is fortunate to have strong leadership on our Board, through an experienced investment management team among our staff and through best-in-class advisors, including Fidelity, Willis Towers Watson, and J.P. Morgan. Together we’ve earned a top 500 ranking in Pensions & Investments, and a top 1,000 ranking in Retirement Plans as we work to fulfill our mission to serve LCMS workers in retirement and to protect the stability of the plans for generations to come.


A real partnership.

We can do more together.

Through Concordia Plans, you have access to best-in-class partnerships and offerings not always available to individual organizations. Health care, retirement plans, HR services, life and disability insurance – we’re able to offer your ministry and workers solutions for a fraction of the cost that an individual organization would pay on the open market.

We go the extra mile for you.

As part of the LCMS community, we’re here with you every step of the way – making sure you understand the choices available to you and what your decisions will mean to your workers so you can create a sound plan to put into action. We’re here to help teach your workers about their Concordia Plans health care, financial and wellness solutions available to them.


Our Promise.

You can count on us. Caring for your ministry and LCMS ministry workers is what we do, and we take our responsibility to serve you to heart – with heart.