CLEA Plan vs PORAC I&B Plan
Features and Benefit Comparison
|Plan Name||CLEA||PORAC I & B|
|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
(No Workers' Comp. Permanent Disability offsets)
Maximum Monthly Benefit of $9,500 per month, tax-free
70% of the first $12,857, reduced by deductible income
|70% of the first $12,857, reduced by deductible income
Maximum Benefit of $9,000 per month before reduction by Deductible Income
|Waiting Period||30 calendar days - If less than 60 calendar days of personal leave, you may receive 70% of wages after 30 calendar days. Otherwise, 60 calendar days. Early reduced benefits down to 0 days based on available leave.||
Non-Industrial: 15 days (After which based upon available sick leave benefits can be payable as of the first day of Disability)
Industrial: 0 days
|Benefit Period||Lifetime: Sickness, Accident, and Pregnancy (Industrial Disabilities and Non-Industrial Disabilities)||12 months||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.|
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.) May be payable in addition to Long Term Disability benefit.
Catastrophic Disability Benefit
During the initial 12 months of Disability the plan pays an additional: 30% of the first $12,857, not to exceed $3,857 of Pre-Disability Earnings.
|Personal Leave Integration Benefit||
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 ($100 per month for Industrial or Disputed Workers' Comp.)
|Receive 100% of base pay through use of 50% leave time 50% STD Benefit||See Minimum Monthly Benefit|
|Cost of Living Benefit (COLA)||
4% compounded per year (years 3-8) thereafter, CPI increase to age 65 and then continued lifetime benefits
|Not applicable||CPI (0-5%) increase per year compounded for Non-Industrial causes to age 65 (Max. 5% per year)|
|Musculoskeletal & Connective Tissue Disorders||
|No limitations||For certain conditions, benefits are limited to 12 months for each period of disability.|
|Waiver of Payment||Waiver of Payment after no-pay status||Contributions waived after 60 days and claim approval.||Premium payments are wavied while Disability Benefits are payable.|
|Minimum Monthly Benefit||$400 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.|
$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).
$20,000 Active Military Death Benefit
Benefits may be payable withing 24 hours of notification.
$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, or registered domestic partner.
|Death Benefit provided through IBT of PORAC. No Death Benefit payable by Standard Insurance Company.|
|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|