Features and Benefit Comparison
| Features/Benefits | CLEA | PORAC I & B |
| Monthly Cost | $24.50 | $19.50 |
| Percentage Of Wages Protected | 80% of wages Non-Industrial Disability 70% of wages Industrial Disability (No permanent disability offsets) Maximum Monthly Benefit of $9,500 |
66 2/3% of wages (No permanent disability offsets) |
| Waiting Period | 30 calendar days - If less than 60 calendar days of personal leave, you may receive 50% of wages after 30 calendar days. Otherwise, 60 calendar days. | 30 calendar days - If less than 60 calendar days of personal leave, you will receive 50% of the benefit after being disabled 30 calendar days. |
| Benefit Period | Lifetime: Sickness, Accident, and Pregnancy | If unable to perform two or more ADLs for Sickness, Accident, and Pregnancy for both industrial & non-industrial disability, benefits may continue after age 65. |
| Cost Of Living Benefit (COLA) | 4% compounded per year (years 3-8) thereafter, CPI increase to age 65 and then continued lifetime benefits | CPI (0-5%) increase per year compounded for non-industrial causes to age 65 (Max. 5% per year) |
| Return To Work Incentive Benefit |
$1,000 per month for Non-Industrial Catastrophic Disability if Participant returns to gainful employment | Please refer to the PORAC I&B Trust Plan Document. |
| Musculoskeletal & Connective Tissue Disorders | Fully covered, Refer to CLEA Plan Document. |
24 months, lifetime limitation per occurrence on certain back and its surrounding soft tissues, sprains, strains of joints or muscles and connective tissue disorders (seven (7) specific conditions paid past twenty-four (24) months) Refer to PORAC I&B Trust Plan Document. |
| Stress and Substance Abuse Benefits | Six (6) months lifetime coverage (3 months per occurrence) |
Please refer to the PORAC I&B Trust Plan Document. |
| Waiver Of Payment | Waiver of Payment after no-pay status |
Waiver of Payment after no-pay status |
| Freeze Of Personal Leave Option | After 60 calendar days | After 60 calendar days |
| 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 ($200 per month for Industrial or disputed Workers' Comp.) | After 60 calendar days, you may use 50% sick leave and receive 50% benefit from plan or use 100% sick leave and receive $200 per month. |
| Benefits Payable During Disputed Workers' Comp. Cases | After 60 calendar days – 70% of wages or Maximum Benefit of $9,500 monthly (Repayable only if settled in your favor) | After 60 calendar days – 66 2/3% of wages or maximum benefit of $7,000 monthly (Repayable if determined to be industrial) |
| 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.) | $200 per month paid in addition to sick leave after 60 calendar days |
| Disability Pension Advance |
Up to 70% of wages (max. $9,500 per mo. benefit) may be advanced during retirement processing | Please refer to the PORAC I&B Trust Plan Document. |
| Survivorship Benefit | Six (6) months additional benefits to dependent beneficiary | Six (6) months disability benefits |
| Death Benefit | $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) $20,000 Active Military Death Benefit Benefits may be payable withing 24 hours of notification. |
$50,000 Death Benefit for natural causes (paid over 49 months) Suicide $2,000 No Terminal Illness Death Benefit No Active Duty Military Death Benefit |
| Long Term Care Benefit | 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. |
Assisted Living Benefit. During the own occupation period (first 24 months) it pays an additional 33 1/3% of the first $10,500 of pre-disability earning, but not to exceed $3,500. This benefit is not reduced by deductible income. |
| Ownership Of Plan |
Owned, operated, and managed by Participants through a representative Board of Directors (non-profit California Corporation since 1985) |
Operated and managed by the Insurance & Benefits Trust |
Effective January 1, 2012. For Illustration only. Please see Plan Documents for full details.