$27.00 Full-Time Non-Sworn Enhanced Individual Plan
|Monthly Cost||$27.00 per month, numerous payment options available|
|Eligibility||Must be an active, full-time Non-Sworn member of a law enforcement department or association under a Non-Sworn Retirement system (CalPers, County Act 1937, or Municipal Plan). A person is not eligible to enroll or participate after he or she is 55 years of age or more.|
Percentage Of Wages Protected*
70% of wages Non-Industrial Disability
70% of wages Industrial Disability
(80% 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
|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.|
|Benefit Period||Three Years (36 months): Sickness and Accident
(Industrial Disability and Non-Industrial Disabilities)
|Definition of Disability||One (1) year Own Occupation Disability, thereafter any occupation that you may be reasonably suited for.|
|Freeze of Personal Leave Option||After 60 calendar days|
|After 60 calendar days, you may use personal leave and receive a supplemental benefit from the Plan up to the Maximum Percentage or use 100% personal leave and receive $1,000 per month ($100 per month for Industrial or Disputed Workers’ Comp.)|
|Cost of Living Benefit (COLA)||4% compounded per year (year 3)|
|Return To Work Incentive Benefit||$1,800 per month for Non-Industrial Catastrophic Total Disability if a Participant returns to gainful employment.|
|Waiver of Payment||Waiver of Payment after no-pay status|
|Pregnancy||No coverage for any disability caused by, contributed to, or which results from pregnancy or childbirth.|
|Stress & Psychological Conditions||
18 months maximum benefit amount 3 months per occurrence.
Must return to work for 1 year between each occurrence. No limit if hospitalized.
|Benefits Payable During Challenged Workers’ Compensation Cases||After 60 calendar days – 70% of wages to a Maximum Benefit of $10,000 per month (Repayable only if settled in your favor)|
|Minimum Monthly Benefit||
$1,000 per month – paid in addition to personal leave after 60 calendar days.
($100 per month for Industrial or Disputed Workers’ Compensation claims.)
$65,000 Death Benefit on- or off-duty natural, accidental or terminal illness
$10,000 for suicide ($2,000 first 2 Years in Plan**)
(Benefits may be payable within 24 hours of notification)
|Survivorship Benefit||Six (6) months additional benefits to dependent beneficiary|
|All pre-existing medical conditions will be covered once you have been in the Plan for sixty (60) months, unless you are eligible for the Prior Coverage Credit.|
|Ownership of Plan||
Owned, operated and managed by its Participants through a representative
Board of Directors (non-profit California Corporation since 1985)
Special Provision: Effective 4-1-2000, members 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 $200 Minimum Benefit) if they suffer a disability that would normally be covered by Labor Code 3212 and its subchapters, and the disability is not determined to be job-related.
* Maximum percentages reflect amount payable after completion of (a) waiting period, (b) freeze of personal leave option, or (c) personal leave integration. Offsetting Benefit/Income Amounts are applied to reduce amount from the Plan
** The Death Benefit for suicide is limited to $2,000 for the first 24 months of participation in the Plan.
The California Law Enforcement Association (Non-Safety Personnel) Long Term Disability Plan was established pursuant to the California Department of Insurance, Insurance Code Sections 11400 – 11407 (Peace Officers Benefit and Relief Association) by CLEA, a police officers benefit and relief association. CLEA is a non-profit corporation exempt from tax under Internal Revenue Code Section 501(c)(9). The Plan, CLEA and the Trust, are annually audited by independent certified public accountants in conformity with generally accepted accounting principles.
11-19 This is a highlight page only – certain exceptions & limitations apply. See the complete Plan Document provisions for a more complete description of coverage. CA Insurance Lic. #0544968