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Home
of the largest and fastest growing
Long-Term Disability (LTD) Plan for law enforcement in California. |
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California Administration Insurance Services, Inc.
Plan Administrators
CA Insurance Lic #0544968
Serving over 50,000
law enforcement and fire service members since 1972. |
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GROUP LONG TERM DISABILITY
INSURANCE PLAN
FEATURES / BENEFITS |
COST /
PREMIUM
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Plan
A - $19.50
per
month payroll deduction or
Plan
B - $24.50
per month payroll deduction Bump Up ****
Note: Both Plan A and Plan B require a
min. of 50% initial group participation
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PERCENTAGE OF WAGES
PROTECTED** |
100% of wages for Catastrophic Disabilities* for
30 months,
then 80% (Plan A-70% if IOD Plan B-75%
if IOD)
80% of wages Non-Industrial Disability
Plan A-70% of wages Industrial Disability
Plan B-75% of wages Industrial Disability
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WAITING
PERIOD
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30 days
– If less than 60 days of personal leave, you may
receive 50% of wages after 30 days. Otherwise, 60
calendar days.
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BENEFIT PERIOD |
Lifetime:
Sickness, Accident and Pregnancy (industrial disability
and non-industrial disabilities)
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COST OF LIVING BENEFIT
(COLA) - LIFETIME
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4%
compounded per year (years 3-8) thereafter, CPI
increase to age 65 and then continued lifetime
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RETURN TO WORK
INCENTIVE BENEFIT |
$1,000
per month for non-industrial Catastrophic Total Disability if a
participant returns to gainful employment
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WAIVER OF PREMIUM
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After 60 calendar days and
receiving benefits
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FREEZE OF PERSONAL
LEAVE OPTION
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After 60 calendar days
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PERSONAL LEAVE
INTEGRATION BENEFIT
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After 60 days, you may use 50%
personal leave and receive 50% benefit from the
plan or use 100% personal leave and receive
$1,000 per month |
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BENEFITS PAYABLE
DURING CHALLENGED
WORKERS’ COMPENSATION
CASES
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After 60 calendar days
Plan A
- 70% of wages to a maximum benefit up to $7,500
per month
Plan B
- 75% of wages to a maximum benefit up to $9,500
per month
(Repayable only if settled in your favor) |
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MINIMUM MONTHLY
BENEFIT |
$1000 per
month – paid in addition to personal leave after 60
calendar days.
$500 for Disputed Workers’ Compensation
claims.
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SURVIVORSHIP BENEFIT
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Six (6)
months additional benefits to dependent beneficiary
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DEATH BENEFIT |
On or off duty natural, accidental or
terminally ill,
Plan A - $55,000
($10,000 initial benefit then $1,500/mo
for 30 months)
Plan B - $60,000
($10,000 initial benefit then $1500/mo for 33 1/3
months,
Suicide at $10,000 ($2,000 first 2 Years
in Plan)
(Initial Benefits may be payable within 24 hours of
notification)
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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.
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OWNERSHIP OF PLAN |
Owned, operated and managed by participants through a
representative Board of Directors
Non-profit California Corporation since 1985 |
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Special Provision: Effective 4-1-2000, participants not covered
by Penal Code 830.1 and 830.2(a) will have limited benefits (36
months maximum benefits at
66 2/3 of wages with a $500 minimum benefit) if they suffer a
disability that would normally be covered by Labor Code 3212 and
its subchapters, and
the disability in not determined to be job-related.
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A Total Disability caused by a catastrophic event
(inability to perform 2 or more Activities of Daily Living
– Bathing, Toileting, Dressing, Transferring, Ambulating,
Continence, Eating, and Cognitive Impairment) |
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Benefits from Other Sources are applied to reduce the
amount payable from the Plan |
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Forty-eight months for HIV, AIDS, ARC and for eligibility
of Death Benefits on Preexisting Conditions. |
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Plan A and Plan B are both subject to periodic reviews and
premiums may be adjusted based on claim utilization
of either group. |
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The California Law Enforcement
Association plan is established under the California Department
of Insurance, Insurance Code Sections 11400 – 11407 (Peace
Officers Benefit and Relief Association). It enjoys non-profit
status from the U. S. Department of the Treasury (IRS Code
501(c)(9), and is a Volunteer Employee Benefit Association under
ERISA laws of the U. S. Department of Labor. In addition, this
Plan has been independently certified and determined to be
actuarially sound, and is annually audited in conformity with
generally accepted accounting principles.
9-09 ILLUSTRATION ONLY ----- Certain conditions may apply, see
Plan Document for details.
CA Insurance Lic. #0544968
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