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Providing superior Long Term Disability Benefits to over 20,000 Law Enforcement Participants since 1985.

Benefit Comparison

Salary Comparison

$24.50 CLEA Plan vs $24.50 PORAC I&B Plan Features and Benefit Comparison

Plan Name CLEA PORAC I & B
Monthly Cost $24.50 $24.50
Plan Type Long Term Disability (LTD)

Short Term Disability (STD)

Long Term Disability (LTD)
Percentage of Wages Protected 85% of wages Non-Industrial Disability
70% of wages Industrial Disability
Maximum Monthly Benefit of $9,500 per month, tax-free

70% of the first $12,857, reduced by deductible income
Maximum Benefit of $9,000 per month before reduction by Deductible Income

70% of the first $12,857, reduced by deductible income
Maximum Benefit of $9,000 per month before reduction by Deductible Income
Waiting Period 30 calendar days - If less than 60 calendar days of personal leave, you may receive 70% of wages after 30 calendar days. Otherwise, 60 calendar days. Early reduced benefits down to 0 days based on available leave.

Non-Industrial: 15 days (After which based upon available sick leave benefits can be payable as of the first day of Disability)

Industrial: 0 days

365 days
Benefit Period Lifetime: Sickness, Accident, and Pregnancy (Industrial Disabilities and Non-Industrial Disabilities) 12 months: Sickness, Accident, and Pregnancy (Industrial Disabilites and Non-Indusrial Disablities) To age 65 if age 61 or younger when Disability began. Maximum Benefit Period for Disabilities that occur after age 61 will be determined by your age when Disability began.
Catastrophic Disabilities

100% of wages – maximum $10,000 per month for up to 30 months. Based on inability to perform 2 or more Activities of Daily Living.

During the initial 12 months of Disability the plan pays an additional: 30% of the first $12,857, not to exceed $3,857 of Pre-Disability Earnings. Based on inability to perform 2 or more Activities of Daily Living.

Not applicable
Personal Leave Integration Benefit

After 60 calendar days, you may use personal leave and receive a supplemental benefit from the Plan up to the Maximum Percentage or use 100% personal leave and receive $1,000 per month ($100 per month for Industrial or Disputed Workers’ Comp.)

Receive 100% of base pay through use of 50% leave time and 50% STD Benefit or use 100% personal leave and recieve $200 per month for Non-Industrial Disabilities. Receive 100% of base pay through use of 50% leave time and 50% STD Benefit or use 100% personal leave and recieve $200 per month for Non-Industrial Disabilities. ($50 per month for all other circumstances)
Cost of Living Benefit (COLA)

4% compounded per year (years 3-8) thereafter, CPI increase to age 65 and then continued lifetime benefits

None CPI (0-5%) increase per year compounded for Non-Industrial causes to age 65 (Max. 5% per year)
Musculoskeletal & Connective Tissue Disorders

No limitations

Fully covered
Lifetime coverage

 

No limitations

12 months

For certain back and surrounding soft tissue conditions, benefits are limited to 12 months for each period of disability. Hunderds of connective tissue disorders are not covered.
Waiver of Payment Contributions waived after 60 days Contributions waived after 60 days and claim approval. Premium payments are wavied while Disability Benefits are payable.
Minimum Monthly Benefit $1,000 per month – paid in addition to personal leave after 60 calendar days ($100 per month for Industrial or disputed Workers' Comp.) $200 per month while receiving sick leave / annual leave for Non-Industrial Disabilities. $200 per month while receiving sick pay for Non-Industrial Disabilities. $50 per month in all other circumstances.
Death Benefit

$65,000 Death Benefit on- or off-duty, natural, accidental or terminal illness ($15,000 initial benefit and then $1,000 per month for 50 months)

 

$10,000 for suicide ($2,000 first 2 years in Plan).

 

$20,000 Active Military Death Benefit

Payable to any designated beneficiary.

$50,000 Death Benefit (Natural*)

$65,000 Death Benefit (Accidental)

(You are covered for the Death Benefit while enrolled under the STD Plan and during the first 2 years you continue to be disabled and receiving Disablity Benefits.)

*Payable only to spouse, dependent children, or registered domestic partner.

Death Benefit provided through IBT of PORAC. No Death Benefit payable by Standard Insurance Company.
Ownership
of Plan
Owned, operated, and managed by its Participants through a representative Board of Directors (non-profit California Corporation since 1985) Operated and managed by the Insurance & Benefits Trust Operated and managed by Standard Insurance Company (a stockholder owned company)

 

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$24.50 CLEA Plan vs $24.50 PORAC I&B Plan Salary Comparison

Monthly Salary CLEA Plan A
85% of Pay
I & B Trust
Premier Plus Plan
CLEA's Advantage Monthly 85% over 70% CLEA's Cumulative Difference in Benefit Amount 24 Months
STD Plan
(1st 12 months)
70% of Pay
LTD Plan (Starting Year 2) 70% of Pay
$7,000 $5,950 $4,900 $4,900 $1,050 more $25,200 more
$8,000 $6,800 $5,600 $5,600 $1,200 more $28,800 more
$9,000 $7,650 $6,300 $6,300 $1,350 more $32,400 more
$10,000 $8,500 $7,000 $7,000 $1,500 more $36,000 more
$11,000 $9,350 $7,700 $7,700 $1,650 more $39,600 more

 

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The California Law Enforcement Association (Safety Personnel) Long Term Disability Plan was established pursuant to the California Department of Insurance, Insurance Code Sections 11400 – 11407 (Peace Officers Benefit and Relief Association) by CLEA, a police officers benefit and relief association.  CLEA is a non-profit corporation exempt from tax under Internal Revenue Code Section 501(c)(9). The Plan, CLEA and the Trust, are annually audited by independent certified public accountants in conformity with generally accepted accounting principles.

10-15 This is a highlight page only – certain exceptions & limitations apply. See the Summary Plan Description or the complete Plan Document provisions for a more complete description of coverage. 

 

Executive Board

President

Dave Boffi

Daly City POA

Vice President North

Kevin Mickelson

Sacramento Co. DSA

Vice President South

Darin Ryburn

Burbank POA

Chief Financial Officer

Joe Chirillo

Beverly Hills POA

Executive Secretary

Mario Yagoda

Glendale POA

Chairman of the Board

Jerry Hall

DSA of Santa Clara Co.

 

 

 

 

California Public Safety Administrators, Inc.

Plan Administrators

CA Insurance Lic. #0544968