|Monthly Cost||$24.50 per month, level cost payroll deduction|
|Eligibility||Must be an active, full-time Sworn member of AOCDS/FOP. 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
(100% of wages for Catastrophic Disabilities for up to 30 months – not to exceed maximum monthly benefit)(No permanent disability offsets)
Maximum Monthly Benefit of $10,000
|Waiting Period||30 calendar days – If less than 60 days of personnel leave, you may receive 70% of wages after 30 days. Otherwise, 60 calendar days.|
|Benefit Period||Lifetime: Sickness, Accident, & Pregnancy|
|Cost of Living Benefit (COLA)||4% compounded per year (years 3-8) thereafter, CPI increase to age 65 and then continued lifetime benefits|
|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 Abuse||Six (6) months lifetime coverage
(3 months per occurrence)
|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 50% personal leave and receive 50% benefit from Plan or use 100% personal leave and receive $1,000 per month ($100 per month disputed Workers’ Comp.)|
During Disputed Workers’ Comp. Cases
|After 60 calendar days – 70% 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 days
($100 per month disputed Workers’ Comp.)
|Disability Pension Advance||Up to 70% of wages (max. $10,000 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|
|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).
Benefits may be payable within 24 hours of notification.