Comparison of CLEA Plan vs. PORAC I&B Plan

 

Plan Name CLEA Group LTD Plan PORAC I & B Trust Platinum Plan PORAC I & B Trust PlatinumPlan
Monthly Cost $24.50 $34.00 $34.00
Plan Type Long Term Disability (LTD) Short Term Disability (STD) Long Term Disability (LTD)
Percentage of Wages Protected 85% of wages Non-Industrial Disability
70% of wages Industrial Disability
Maximum Monthly Benefit of $10,000 per month, tax-free
70% of the first $14,286, reduced by deductible income
Maximum Benefit of $10,000 per month before reduction by Deductible Income
70% of the first $14,286, reduced by
deductible income
Maximum Benefit of $10,000 per
month before reduction by
Deductible Income, tax-free
Waiting Period Non-Industrial and Industrial: 30 days

During the first 60 days of Disability:

• You may receive 70% of wages after 30 days. 85% of wages after 60 days.

• Early reduced benefits down to 0 days based on available personal leave.

• You are not required to use any available personal leave after 60 calendar days.

Non-Industrial: 0 days, if you have been unable to work for 15 days, provided that you have note had a Temporary Recovery of greater than 5 days during this period.

Industrial: 0 days

During the first 60 days of Disability:

• You are eligible to receive up to 35% of your monthly Pre-Disability Earnings for any period you are not eligible to receive any personal leave pay.

• You are required to use any available personal leave pay you are eligible to receive from your Employer

365 Days
Benefit Period Lifetime: Sickness, Accident, and Pregnancy

Industrial Disabilities and Non-Industrial Disabilities – 2 years own occupation definition, restrictions apply.

12 months: Sickness, Accident, and Pregnancy (Industrial Disabilites and Non-Indusrial Disablities) To age 65 if age 61 or younger when Disability began. Maximum Benefit Period for Disabilities that occur after age 61 will be determined by your
age when Disability began.
Catastrophic Disabilities

100% of wages – maximum $10,000 per month for up to 30 months.  Based on inability to perform 2 or more Activities of Daily Living.

During the initial 12 months of Disability the plan pays an additional: 30% of the first $14,286, not to exceed $4,286 of Pre-Disability Earnings. Based on inability to perform 2 or more Activities of Daily Living.

Not Applicable
Personal Leave Integration Benefit

After 60 calendar days, you may use 50% sick leave and receive a 50% benefit from the Plan or use 100% sick leave or 100% personal leave and receive $1,000 per month

($100 per month for Industrial or Disputed Workers’ Comp.)

Receive 100% of base pay through use of 50% leave time and 50% STD Benefit or use 100% personal leave and receive $200 per month for Non-Industrial Disabilities. Receive 100% of base pay through use of 50% leave time and 50% LTD
Benefit or use 100% personal leave and receive $200 per month for Non-Industrial Disabilities. ($50 per month for all other circumstances.)
Cost of Living Benefit (COLA) 4% compounded per year (years 3-8) thereafter, CPI increase to age 65 and then continued lifetime benefits None CPI (0-5%) increase per year compounded for Non-Industrial causes
Musculoskeletal & Connective Tissue Disorders Fully covered
Lifetime coverage – 2 years own occupation definition, restrictions apply.
No limitations

12 months

For certain conditions, benefits are limited to 12 months for each period of disability.
Drug & Alcohol Abuse 6 months lifetime coverage

(3 months per occurrence)

Benefits limited to 12 months lifetime Benefits limited to 6 months lifetime
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.

Benefits limited to 12 months lifetime Benefits limited to 6 months lifetime
Waiver of Payment Contributions waived after 60 days and claim approval. Contributions waived after 60 days and claim approval. Premium payments are waived while Disability Benefits are payable.
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.) $200 per month while receiving sick leave / annual leave for Non-Industrial Disabilities. $200 per month while receiving sick pay for Non-Industrial Disabilities. $50 per month in all other circumstances.
Death Benefit

$65,000 Death Benefit on- or
off-duty natural, accidental or
terminal illness1
$10,000 for suicide ($2,000** first
2 Years in Plan)
(Benefits may be payable within 24 hours of notification)
$20,000 Active Military Death Benefit

1Payable to any designated beneficiary.

$50,000 Death Benefit (Natural*)

$65,000 Death Benefit (Accidental)

(You are covered for the Death Benefit while enrolled under the STD Plan and during the first 2 years you continue to be disabled and receiving Disablity Benefits.)

*Payable only to spouse, dependent children, registered domestic partner, parents, siblings, or estate.

Death Benefit provided through IBT of PORAC. No Death Benefit payable by Standard Insurance Company.
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 thePrior Coverage Credit – otherwise, pre-exist-
ing medical conditions will not be covered.
If enrolling member applies for coverage after 60 days from hire date, eligibility for coverage will be determined by medical underwriting and evidence of insurability If enrolling member applies for coverage after 60 days from hire
date, eligibility for coverage will be determined by medical underwriting and evidence of insurability.
Ownership
And Operation of Plans
Owned, operated, and managed by its Participants through a representative Board of Directors (non-profit California Corporation since 1985) Operated and managed by the Insurance & Benefits Trust Operated and managed by Standard Insurance Company
Exposure Tracker Free to all CLEA members “Exposure Tracker” personal exposure reporting system, easy to use, mobile enabled, totally confidential Not available Not available
CareOptions Program Free to all CLEA members family health care advisory program. Completely mobile and confidential. Not available Not available
NPFBA Long Term Care Plan CLEA is an exclusive partner with the NPFBA Long Term Care Plan. Available to active sworn and non-sworn law enforcement personnel and spouses. Not available Not available

24.50 CLEA Plan vs $34.00 PORAC I&B Plan Salary Comparison

Monthly Salary CLEA $24.50 Plan* I & B Trust $34.00 Platinum Plan** CLEA’s Advantage
LTD Plan STD Plan LTD Plan
70% of Pay 85% of Pay 35% of Pay 70% of Pay 70% of Pay
Day 31 to 60 Day 61 to Year 3 Day 0 to 60 Day 61 to Year 2 Year 2 to Year 3 CLEA’s Advantage Monthly 85% over 70% CLEA’s Cumulative Difference in Benefit Amount 24 Months
$7,000 $4,900 $5,950 $2,450 $4,900 $4,900 $1,050 more $23,100 more
$8,000 $5,600 $6,800 $2,800 $5,600 $5,600 $1,200 more $26,400 more
$9,000 $6,300 $7,650 $3,150 $6,300 $6,300 $1,350 more $29,700 more
$10,000 $7,000 $8,500 $3,500 $7,000 $7,000 $1,500 more $33,000 more
$11,000 $7,700 $9,350 $3,850 $7,700 $7,700 $1,650 more $36,300 more

*Special Provision: Participants not covered by Penal Code 830.1 and 830.2(a) will have limited benefits (36 months Maximum Benefit at 66 2/3% of wages and one (1) year Own Occupation Disability Plan Provision) if they suffer a disability that would normally be covered by Labor Code 3212 and its subchapters, and the disability is not determined to be job-related.

* 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 (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, has been independently certified and determined to be actuarially sound and are annually audited by independent certified public accountants in conformity with generally accepted accounting principles.

Illustration only. Refer to Plan Documents for specific details. CA Ins. Lic. #0544968


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.

10-15 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.