CCSO (California Correctional Supervisors Organization, Inc.) Peace Officer Group Plan
| Plan Name | CLEA CCSO Plan | CCPOA Gold Shield Plan |
| Monthly Cost |
$36.00 per month, level cost payroll deduction. Must enroll within 60 days of promotion or no pre-existing medical conditions will be covered. |
$55.00 per month for Gold Shield***
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Percentage of Wages Protected
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70% of wages Non-Industrial Disability. * 70% of wages Industrial Disability – No benefits if receiving IDL (70% of wages payable for challenged Work Comp Claim and post retirement if eligible less deductible income. No Workers’ Compensation Permanent Disability offsets). 80% of wages for Catastrophic Disabilities for up to 30 months – not to exceed the maximum monthly benefit. Maximum Benefit of $10,000 per month, tax-free CLEA pays in addition to AFLAC and Hartford Accident Plan. |
67% of base wages only – Maximum monthly benefit of $6,000 tax-free. CCPOA reduces its benefits by all income benefits provided by AFLAC, Standard Insurance, and any other group or individual plan. |
| 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. |
Gold Shield: 30 calendar days
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| Benefit Period |
Lifetime: Sickness, Accident, and Pregnancy (Industrial Disabilities and Non-Industrial Disabilities). Two (2) year “Own Occupation” definition of disability, thereafter any occupation that you may be reasonably suited for based on education, experience, or training. |
24 months for Sickness, Accident, and pregnancy for both Industrial and Non-Industrial Disabilities. Fully integrated with all income. (Includes age 65 coverage for non-industrial disability is unable to perform two or more Activities of Daily Living). |
| Definition of Disability | Two (2) years Own Occupation Disability, thereafter any occupation that you may be reasonably suited for. | One (1) year Own Occupation Disability, thereafter any occupation that you may be reasonably suited for. |
| Cost of Living Benefit (COLA) | 3% compounded per year (years 3-8) thereafter, | No Coverage |
| Return to Work Incentive Benefit | $1,800 per month for Non-Industrial Catastrophic Total | No Coverage |
| Stress & Psychological Conditions |
Three (3) months per occurrence, Eighteen (18) months maximum aggregate lifetime benefit. Must return to work 1 year between each occurrence. Additional benefits may be payable if hospitalized. |
No Coverage |
| Waiver of Contributions | Waiver of Contributions after no-pay status from the state. | Waiver of Contributions after no-pay status from the state. |
| 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). | 67% of base wages to Maximum Benefit of $6,000 |
| 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 claim). |
$300 per month paid in addition to personal leave after 30 days
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| Survivorship Benefit | Six (6) months addition benefits to dependent beneficiary | Gold Shield: Six (6) months addition 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. | All applications are medically underwritten and include a 2-year pre-existing medical condition exclusion and a 5-year elimination for certain conditions. |
| 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**). $20,000 Military Active Service Benefit. Benefits may be payable within 24 hours of notification. |
CCPOA membership includes a $20,000 basic life insurance benefit and a $5,000 Accidental Death only benefit. |
| Musculoskeletal & Connective Tissue Disorders |
Fully covered Lifetime coverage – 2-year own occupation definition. |
Limited coverage 67% of base wages to a Maximum Benefit of $6,000. |
| Freeze of Personal Leave Option | After 60 calendar days (if employer approved). | None. Must use all sick leave. |
| Ownership of Plan | Operated, managed, and funded by its Participants through a representative Board of Directors (non-profit California Corporation since 1985). | Operated, managed, and funded by CCPOA Benefit Trust Fund. |
Special Provision: Participants not covered by Penal Code 830.1 and 830.2(a) will have limited benefits (36 months Maximum Benefit at 66 2/3% 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
** Forty-eight months for Death Benefits, and for HIV, AIDS, and ARC.
*** CCPOA Plan – If new employee and enrolls within first 90 days, then premium is half price for first year only.
The California Law Enforcement Association (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, has been independently certified and determined to be actuarially sound and 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