CA DOJ Special Agents Group Plan
|Monthly Cost||$27.62 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|
|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
|Cost of Living Benefit (COLA)||4% 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||
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|
|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)|
* 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