Features and Benefit Comparison
| Features/Benefits | CLEA | PORAC I & B |
| Monthly Cost | $19.50 | $19.50 |
| Percentage Of Wages Protected | 100% of wages for Catastrophic Disabilities for up to 30 months then 80% (70% if IOD) 80% of wages Non-Industrial Disability 70% of wages Industrial Disability (No permanent disability offsets) Maximum Monthly Benefit of $9,500 |
100% of wages for Assisted Living for 24 months (No permanent disability offsets) Year 6 through age 65 up to $7,000 by re-insurer (Standard Ins. Co.) |
| Waiting Period | 30 calendar days - If less than 60 days of personal leave, you may receive 50% of wages after 30 days. Otherwise, 60 calendar days. | 30 days - If less than 60 days of personal leave, you will receive 50% of the benefit after being disabled 30 days. |
| Benefit Period | Lifetime: Sickness, Accident, and Pregnancy | If unable to perform two or more ADL's for Sickness, Accident, and Pregnancy for both industrial & non-industrial disability, benefits may continue after age 65. |
| Cost Of Living Benefit (COLA) | 4% compounded per year (years 3-8) thereafter, CPI increase to age 65 and then continued lifetime benefits | CPI (0-5%) increase per year compounded for non-industrial causes to age 65 (Max. 5% per year) |
| Return To Work Incentive Benefit |
$1,000 per month for Non-Industrial Catastrophic Disability if Participant returns to gainful employment | Not available |
| Musculoskeletal & Connective Tissue Disorders | Fully covered, no restrictions Lifetime coverage |
24 months, lifetime limitation per occurrence on certain back and its surrounding soft tissues, sprains, strains of joints or muscles and connective tissue disorders (seven (7) specific conditions paid past twenty-four (24) months) |
| Stress and Substance Abuse Benefits | Six (6) months lifetime coverage (3 months per occurrence) | Up to twelve (12) months maximum lifetime coverage |
| Waiver Of Dues | Waiver of Dues after no-pay status | After 60 days |
| Freeze Of Personal Leave Option | After 60 calendar days | After 60 days |
| Personal Leave Integration Benefit | 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 ($200 per month disputed Workers' Comp.) | After 60 days, you may use 50% sick leave and receive 50% benefit from plan or use 100% sick leave and receive $200 per month. |
| Benefits Payable 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) | After 60 days – 66 2/3% of wages or maximum benefit of $7,000 monthly (Repayable if determined to be industrial) |
| Minimum Monthly Benefit |
$400 per month – paid in addition to personal leave after 60 days ($200 per month disputed Workers' Comp.) | $200 per month paid in addition to sick leave after 60 days |
| Disability Pension Advance |
Up to 70% of wages (max. $9,500 per mo. benefit) may be advanced during retirement processing | None |
| Survivorship Benefit | Six (6) months additional benefits to dependent beneficiary | Six (6) months disability benefits |
| Death Benefit | $60,000 Death Benefit on- or off-duty, natural, accidental or terminal illness ($10,000 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 withing 24 hours of notification. |
$50,000 Death Benefit for natural causes $55,000 Death Benefit for accidental causes ($2,000 for suicide) |
| Ownership Of Plan |
Owned, operated, and managed by Participants through a representative Board of Directors, CA Non-Profit Organization since 1985 | Operated and managed by the PORAC Insurance & Benefits Corporation |
Effective January 1, 2012. For Illustration only. Please see Plan Documents for full details.