Enhanced Individual Plan
Full-Time Sworn Peace Officers
|Monthly Cost||$24.50 per month|
|Eligibility||Must be an active, full-time Sworn member of a law enforcement department or association under a Safety Retirement system (CalPers, County Act 1937, or Municipal Plan). A person is not eligible to enroll after he or she is 60 years of age or more.|
|85% of wages Non-Industrial Disability
70% of wages Industrial Disability
(No permanent disability offsets)
Maximum Monthly Benefit of $9,500
|Long Term Care Benefit (LTC Plus)||After 60 calendar days, up to $3,000 per month, five (5) year Maximum Benefit Period, non-occupational only – may be payable for disputed Workers' Comp. cases. (Repayable only if settled in your favor.)|
|Waiting Period||30 calendar days - If less than 60 calendar days of personnel leave, you may receive 70% of wages after 30 calendar days. Otherwise, 60 calendar days.|
|Benefit Period||Lifetime: Sickness and Accident|
|Cost of Living Benefit (COLA)||4% compounded per year (years 3-8) thereafter, CPI increase to age 65 and then continued lifetime benefits|
|Pregnancy||No coverage for any disability caused by, contributed to, or which results from pregnancy or childbirth.|
|Return to Work
|$1,000 per month for Non-Industrial Catastrophic Disability if Participant returns to gainful employment|
|Musculoskeletal & Connective Tissue Disorders||Fully covered, no restrictions
|Stress & Substance
|Six (6) months lifetime coverage
(3 months per occurence)
|Waiver of Payment||Waiver of Payment after no-pay status|
|Freeze of Personal
|After 60 calendar days|
|After 60 calendar days, you may use 50% personal leave and receive 50% benefit from Plan or use 100% personal leave and receive $400 per month ($100 per month for Industrial or Disputed Workers' Comp.)|
During Disputed Workers' Comp. Cases
|After 60 calendar days - 70% of wages or Maximum Benefit of $9,500 monthly
(Repayable only if settled in your favor)
|Minimum Monthly Benefit||
$400 per month - paid in addition to personal leave after 60 calendar days
|Disability Pension Advance||
Up to 70% of wages (max. $9,500 per mo. benefit) may be advanced during retirement processing
|Pre-Existing Medical Condition Coverage||
All disability benefits and Death Benefits caused from a pre-existing medical condition will be covered once you have been in th Plan for sixty (60) months.
|Survivorship Benefit||Six (6) months additional benefits to dependent beneficiary|
$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).
Benefits may be payable within 24 hours of notification.
* Maximum percentages reflect amount payable after completion of (a) waiting period, (b) freeze of personal leave option, or (c) personal leave integration. Offsetting Benefit/Income Amounts are applied to reduce amount from the Plan
** The Death Benefit for suicide is limited to $2,000 for the first 24 months of participation in the Plan.
To Apply: Please download the enrollment application below
and mail to CLEA, PO Box 31, Martell, CA 95654.
Please do not discontinue any other coverage until you have been notified that your
CLEA LTD Plan has gone into effect.
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.
7-14 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.