|Monthly Cost||$24.50 per month, numerous payment options available|
|Eligibility||Must be an active, full-time Non-Sworn member of a law enforcement department or association under a Non-Sworn Retirement system (CalPers, County Act 1937, or Municipal Plan).|
|66.6% of wages Non-Industrial Disability
66.6% of wages Industrial Disability
(80% of wages for Catastrophic Disabilities for up to 30 months – not to exceed maximum monthly benefit)
(No Workers’ Comp. Permanent Disability offsets)
|Waiting Period||30 Calendar days – If less than 60 calendar days of personal leave, you may receive 66.7% of wages after 30 calendar days. Otherwise, 60 calendar days.|
|Benefit Period||Three Years (36 months): Sickness and Accident
(Industrial Disabilities and Non-Industrial Disabilities)
|Cost of Living Benefit (COLA)||4% compounded per year (Year 3)|
|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
|Drug & Alcohol
|Six (6) months lifetime coverage
(3 months per occurence)
|Stress & Psychological Conditions||18 months maximum benefit amount
3 months per occurrence
Must return to work for 1 year between each occurrence.
No limit if hospitalized.
|Waiver of Payment||Waiver of Payment after no-pay status|
|Freeze of Personal
|After 60 calendar days|
|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.)|
During Disputed Workers Comp. Cases
|After 60 calander days – 66.7% of wages or Maximum Benefit of $10,000 monthly
(Repayable only if settled in your favor)
|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.)
|Disability Pension Advance||Up to 66.7% of wages (max. $10,000 per mo. benefit) may be advanced during retirement processing|
|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.|
|Survivorship Benefit||Six (6) months additional benefits to dependent beneficiary|
|Death Benefit||$65,000 Death Benefit on- or off-duty natural, accidental or terminal illness ($15,000 initial benefit then $1,000 per month for 50 months)
$10,000 for suicide ($2,000** first 2 Years in Plan)
$20,000 Active Military Leave Death Benefit
(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.
*** Forty-eight months for Death Benefits and for HIV, AIDS, and ARC
The California Law Enforcement Association (Non-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.
3-18 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.