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Home
of the largest and fastest growing
Long-Term Disability (LTD) Plan for law enforcement in California. |
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California Administration Insurance Services, Inc.
Plan Administrators
CA Insurance Lic #0544968
Serving over 50,000
law enforcement and fire service members since 1972. |
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GROUP LONG TERM DISABILITY
INSURANCE PLAN
FEATURES / BENEFITS |
COST /
PREMIUM
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Plan
A - $19.50
per
month payroll deduction or
Plan
B - $24.50
per month payroll deduction Bump Up ****
Note: Both Plan A and Plan B require a
min. of 50% initial group participation
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PERCENTAGE OF WAGES
PROTECTED** |
100% of
wages for Catastrophic Disabilities* for 30 months, then
80% (70% if IOD)
80% of wages
Non-Industrial Disability
70% of wages
Industrial Disability
(No Workers’ Compensation permanent
disability offsets)
Plan A -
Maximum benefit of $7,500 per month, tax free
Plan B –
maximum benefit of $9,500 per month, tax free
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WAITING
PERIOD
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30 days
– If less than 60 days of personal leave, you may
receive 50% of wages after 30 days. Otherwise, 60
calendar days.
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BENEFIT PERIOD |
Lifetime:
Sickness, Accident and Pregnancy (industrial disability
and non-industrial disabilities)
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COST OF LIVING BENEFIT
(COLA) - LIFETIME |
4%
compounded per year (years 3-8) thereafter, CPI
increase to age 65 and then continued lifetime
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RETURN TO WORK
INCENTIVE BENEFIT |
$1,000 per
month for non-industrial Catastrophic Total Disability
if a member returns to gainful employment
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WAIVER OF PREMIUM |
After 60 calendar days and
receiving benefits
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FREEZE OF PERSONAL
LEAVE OPTION
PERSONAL LEAVE
INTEGRATION BENEFIT |
After 60 calendar days
After 60 days, you may use 50%
personal leave and receive 50% benefit from the
plan or use 100% personal leave and receive
$1,000 per month |
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BENEFITS PAYABLE
DURING CHALLENGED
WORKERS’ COMPENSATION
CASES |
After 60 calendar days – 70%
of wages to a maximum
benefit up to $7,500 per month
with Plan A and benefits up to
$9,500 per
month with Plan B (repayable only if settled in your
favor)
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MINIMUM MONTHLY
BENEFIT |
$1000 per
month – paid in addition to personal leave after 60
calendar days.
$500 for Disputed Workers’ Compensation
claims.
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SURVIVORSHIP BENEFIT |
Six (6)
months addition benefits to dependent beneficiary
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DEATH BENEFIT |
On or off duty natural, accidental or
terminally ill,
Plan A $55,000
($10,000 initial benefit then $1,500/mo
for 30 months)
Plan B $60,000
($10,000 initial benefit then $1500/mo for 33 1/3
months
Suicide at $10,000 ($2,000 first 2 Years
in Plan)
(Benefits may be payable within 24 hours
of notification)
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PRE-EXISTING MEDICAL
CONDITION COVERAGE |
If you enroll during your initial
enrollment period, all pre-existing medical conditions
will be covered once you have been in the plan for
twenty-four (24)/forty-eight (48)***months, unless you
are eligible for the Prior Coverage Credit –
otherwise, pre-existing medical conditions will not be
covered.
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OWNERSHIP OF PLAN |
Owned, operated and managed by members
through a representative
Board of Directors – Non-profit
California Corporation since 1985 |
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Special Provision: Effective
4-1-2000, members not covered by Penal Code 830.1 and 830.2(a)
will have limited benefits (36 months maximum benefits at
66 2/3 of wages with a $500 minimum benefit) if they suffer a
disability that would normally be covered by Labor Code 3212 and
its subchapters, and
the disability in not determined to be job-related.
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A Total Disability caused by a catastrophic event
(inability to perform 2 or more Activities of Daily Living
– Bathing, Toileting, Dressing, Transferring, Ambulating,
Continence, Eating, and Cognitive Impairment) |
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Benefits from Other Sources are applied to reduce amount
payable from the Plan |
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Forty-eight months for HIV, AIDS, ARC and for eligibility
of Death Benefits on Preexisting Conditions. |
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Plan B Bump Up is subject to periodic reviews and premiums
may be adjusted based on claim utilization of this group. |
The California Law Enforcement
Association plan is established under the California Department
of Insurance, Insurance Code Sections 11400 – 11407 (Peace
Officers Benefit and Relief Association). It enjoys non-profit
status from the U. S. Department of the Treasury (IRS Code
501(c)(9), and is a Volunteer Employee Benefit Association under
ERISA laws of the U. S. Department of Labor. In addition, this
Plan has been independently certified and determined to be
actuarially sound, and is annually audited in conformity with
generally accepted accounting principles.
4-08 ILLUSTRATION
ONLY ----- Certain conditions may apply, see Plan Documents for
details.
CA Insurance Lic. #0544968
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