CA DOJ Special Agents Group Plan
Download Enrollment Application
| Monthly Cost | $32.62 per month, level cost payroll deduction |
|
Percentage Of Wages Protected*
|
85% of wages Non-Industrial Disability 70% of wages Industrial Disability (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 |
| 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. |
| Benefit Period | Lifetime: Sickness, Accident and Pregnancy (Industrial Disability and Non-Industrial Disabilities) |
| Freeze of Personal Leave Option | After 60 calendar days |
| Personal Leave Integration Benefit |
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) | 3% compounded per year (years 3-8) thereafter, CPI increase to age 65 and then continued lifetime benefits |
| 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 |
| Stress & Psychological Conditions |
3 months per occurrence, 18 months maximum aggregate lifetime benefit. Must return to work for 1 year between each occurrence. Additional benefits may be payable 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.) |
| Death Benefit |
$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 |
|
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. |
| Ownership of Plan | Operated, managed and funded by its Participants through a representative Board of Directors (non-profit California Corporation since 1985) |
Special Provision: Participants not covered by Penal Code 830.1 and 830.2(a) will have limited benefits (36 months Maximum Benefit at 70% of wages and one (1) year Own Occupation Disability Plan Provision) 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.
*** Forty-eight months for Death Benefits, and for HIV, AIDS, and ARC.
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