My Life & Loss Benefits

Be prepared.

No one likes to think about what would happen if you were no longer here with your loved ones. But even though these are difficult conversations to have, they are important, and we are here to help.

Remember: You decide who receives your benefits! By designating your beneficiaries, you control who receives your benefits when you die. Log into your Member Portal to designate your beneficiaries.

What to do if a loved one dies

When you lose a loved one there is a lot to deal with, from the emotions of your loss to piles of paperwork – and reporting the death to places that need to know. At Concordia Plans, we’ve tried to make that process as simple as possible by providing two ways you can report the death of a member - call our Survivor Benefits team at 888-927-7526, or complete the online form to initiate the claims process.

complete the form

Losing a loved one is difficult. If the individual who passed was an LCMS worker enrolled in the Concordia Health Plan, you may have questions about continuing your medical coverage. If you are interested in a continuation or a COBRA-like health plan, please call 888-927-7526 to estimate your CHP costs or email us at [email protected].

Basic Life Insurance

Basic life Insurance is an important benefit if providing for your family after your death is important to you. When you’re enrolled in the Concordia Disability and Survivor Plan, you have Basic Life Insurance benefits that includes you, the worker and additional life benefits for your spouse and children.

How it works:

While your Basic Life Insurance benefits provide robust coverage, you may need to purchase additional insurance. Supplemental Life Insurance allows you to purchase additional term life polices for yourself, and your spouse or children. Accidental Death & Dismemberment insurance helps provide additional benefits if you are seriously disabled or die due to an accident. Accident Insurance and Critical Illness help protect your family for medical expenses due to emergencies.

Life Insurance Benefits are only the first step in taking care of your loved ones. What else should you consider? Do you need a will? Do you have a medical directive? You have access to legal resources, including will preparation and legacy planning through LifeWorks.


Learn more

Check out your Basic Life Insurance coverage by visiting the Member Portal.


Resources from Concordia Publishing House

Use code CPSR for a 20% discount.