CA ABC Inv. Group Plan
|Eligibility||To be eligible for this special Enhanced Individual Plan you must be a California peace officer listed under Penal Code 830.3 or 830.5, be eligible for certain benefits under Labor Code 3212 (Presumptive Occupational Illnesses or Injuries), and be eligible for Industrial Disability Leave (IDL).|
$24.85 per month, CSLEA membership required for payroll deduction
|66.7% of wages Non-Industrial Disability
66.7% of wages Industrial Disability
(No Workers' Compensation permanent disability offsets)
Maximum Benefit of $9,500 per month, tax-free
|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 50% of wages after 30 calendar 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
|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 ($200 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 $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
($200 per month for Industrial or Disputed Workers' Comp.)
|Disability Pension Advance||
Up to 66.7% of wages (max. $9,500 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.
Six (6) months additional benefits to dependent beneficiary
$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 within 24 hours of notification.
Effective January 1, 2012. For Illustration only. Please see Plan Document for full details.
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 CSLEA/CLEA LTD Plan has gone into effect.
*Forty-eight months for HIV, AIDS, ARC and for eligibility of Death Benefits on
Pre-Existing Medical Conditions.