CLEA continues to be the primary providers of Long Term Disability coverage for California Law Enforcement Officers

CLEA Benefits

Long Term Disability

The words LTD mean something very different in the LTD insurance world. With our competitor, it means benefits may be payable only to age 65.

When you have the CLEA Plan it means so much more. If you are totally disabled, CLEA will pay you monthly benefits no matter how long you survive after becoming disabled.

Plan Members

CLEA is the largest, #1 provider of long term disability benefits to law enforcement personnel in California with nearly 21,000 members. CLEA protects more than 160 law enforcement associations.

Percentages of Wages Protected

CLEA pays the highest percentage of wages when one of our members becomes disabled.

CLEA pays up to 85% of wages, tax-free, including most all additional add-on incentives such as bomb team, dog handler, marine patrol, educational incentive, POST, longevity, etc.

(100% of wages for Catastrophic Disabilities for up to 30 months – not to exceed
maximum monthly benefit)
(No Workers’ Compensation Permanent Disability offsets)
Maximum Benefit of $10,000 per month, tax-free

Our competitors pay either 66 2/3% or 70% depending on the Plan your association has chosen.

Member Managed & Controlled

CLEA, unlike our competitors, is member managed and member controlled. Each Association with 100 or more members has an equal vote on the corporate Board of Directors. Our competitors are managed and controlled by profit motivated, stockholder-owned insurance companies.” They have changed their corporate structure, benefits, and premium in order to remain operational. The members have no say in how the insurance company manages or controls their costs and benefits.

Death Benefit

CLEA pays a $65,000 with the first check of $15,000 being issued usually within 24 hours of the death of a member to any named beneficiary, then $1,000 per month for 50 months. 

Benefits are payable for both on or off duty, accidental or natural death. CLEA will pay $10,000 on suicide after
a member has been in the Plan for 2 years. CLEA will pay a $20,000 death benefit to any active reserve military member’s family during the first 2 years of active service.

Our competitor pays $50,000 for a natural death and $65,000 for an accidental death. A member must die within 24 months of the onset of a disability and the beneficiary designation is very limited.


Actuarially Sound

CLEA provided third party actuarial reports and audited financial statements regarding the Plan to the California Department of Insurance prior to June 30, 2017, as required by law (former AB 1072).  The audited financial statements include liability/reserve amounts recommended by an independent actuarial firm.  In the opinion of these actuaries, as of end of the most recent plan year, the established liabilities/reserves are expected to be adequate to satisfy contractual obligations and are consistent with applicable Actuarial Standards of Practice. CLEA has paid in excess of 8,500 claims and more than $121 million in benefits to our members and their families since 1985.


“CLEA Administrators, on behalf of HPAC I want to thank you all for your fast action in releasing the check for the deceased officer from Porterville Developmental Center. I personally delivered the $10,000 check to the wife in Porterville who was at the cemetery trying to figure out where she would get the money to put her late husband to rest. It was a big relief according to her and she was very thankful for your fast response. Again thank you.”


“Thanks so much for your assistance! This has been a very long process…I find it comforting to have such a kind, knowledgeable and experienced CLEA representative assisting me. You are truly appreciated!”

-San Diego Co DSA

“CLEA we’re so thankful for the initial $10,000 to help with services for our beloved.”

-San Bernardino Co Prob

“As we close out my claim I would like to send a big “thank you” to my claims administrator and the rest of the staff at CLEA. The insurance CLEA provided was a much needed “buffer” in assisting me to my next phase in life. You guys were professional, provided a fast response, explained my benefits clearly, and made a difficult transition substantially easier. A large portion of this “thanks” goes to you as you were my point of contact during this process.”

– Redwood City POA

“I’m writing to express my appreciation for the excellent service and professionalism I received from your Sr. Claims Administrator during my claim process with CLEA. Unfortunately, as a Patrol Sergeant I was involved in a major vehicle collision, which ended my 20 year law enforcement career and resulted in neck fusion surgery and lower back issues. I filed a claim with CLEA, as this was a benefit that was highly recommended to me as a junior officer and I can say now, was some of the best advice I received as a new officer.”

– Redwood City Police 2

“CLEA and Contra Costa DSA are amazing. The Death Benefit check was on my doorstep when we returned from the funeral Mass and reception. Thank you for everything now and to come.”

-CoCo DSA 2

“Everything in the claims administrator’s email was explained so easily for me to understand! I really appreciate the whole team at CLEA. Anytime I called, with any question I had, I was always treated so nicely and not just as a claim number. Thank you for always promptly returning my calls and emails, I couldn’t have had a better experience with the claims team! Even if I only qualify for one dollar, you made this process and the paperwork so easy.”

-Hemet POA