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 initial benefit then $1,000 per month for 55 months)

$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.

Request a Plan Description

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