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Can Pastors Opt Back Into Social Security? Clergy Act Guide

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Can Pastors Opt Back Into Social Security? Clergy Act Guide

There are many pastors we have met with over the years that regret becoming exempt from Social Security. We’ve heard things like,

“I was young and was just following advice. If I could go back, I wouldn’t have opted out.”

“I didn’t know that you had to be religiously opposed to it to be exempt. I would have a different answer today.”

The Clergy Act, which was signed into law on October 20, 2026 allows ministers whose self- employment tax exemption was effective for 2026 to revoke that exemption.

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Should I Opt Out of Social Security as a Pastor?

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Should I Opt Out of Social Security as a Pastor?

At Wisdom, we often get asked if someone should opt out of Social Security. We never give guidance on “should,” since this is a very personal decision. But like many personal decisions, it is best made with all the facts and good counsel, which in addition to discussions with other pastors and mentors, we hope to contribute to.

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Pastor Appreciation Gifts: Consider the Tax Impact

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Pastor Appreciation Gifts: Consider the Tax Impact

Churches often seek meaningful ways to show appreciation for their pastor(s), especially during Pastor Appreciation Sunday. If your church plans to provide a monetary gift, understanding the tax impact and considering a "gross-up" can help ensure the gift remains a true blessing, rather than an extra tax bill in disguise. 

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Looking a Gift Horse in the Mouth

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Looking a Gift Horse in the Mouth

How has your church been saying thank you to volunteers?

A common—and seemingly simple—approach is to give gift cards. They’re easy to purchase, convenient to keep on hand, and appreciated by recipients. On the surface, they feel like the perfect solution.

…or are they?

Ready to learn more?

Contact us for a complimentary consultation.

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