| Plan Name |
CLEA CDCR Plan |
CCPOA Gold Shield Plan |
| Monthly Cost |
$32.50 per month, numerous payment options available |
$55.00 per month for Gold Shield**
|
| Percentage of Wages Protected |
70% of wages for Non-Industrial Disability.
70% of wages for Industrial Disability
80% of wages for Catastrophic Disabilities for up to 30 months – not to exceed the maximum monthly benefit.
Maximum Benefit of $6,000 per month, tax-free CLEA is paid in addition to AFLAC, and all other Individual Insurance plans.
|
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 |
60 Calendar days – Earlier benefits may be payable based on lack of personal leave (reduced early-on benefits based on expected duration of disability). |
30 calendar days |
| Benefit Period |
Lifetime: Non-Industrial and Industrial Disability (fully integrated with all other sources of income). Benefits will be paid if the participant, after age 65 (and continuously disabled from the original date of the original injury), is unable to perform at least two (2) activities of daily living.
|
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, which is unable to perform two(2) or more activities of Daily Living). |
| Definition of Disability |
One (1) year 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) |
4% compounded per year (years 3-8). Thereafter, CPI increases to age 65, and then continues lifetime benefits for Non-Industrial injuries only. |
No Coverage |
| Return to Work Incentive Benefit |
$1,800 per month for Non-Industrial Catastrophic Total Disability if a member returns to gainful employment. |
No Coverage |
| Stress & Psychological Conditions |
No Coverage |
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 |
70% of wages to a Maximum Benefit of $6,000 per month (Repayable only if settled in your favor) |
67% of base wages to a Maximum Benefit of $6,000 (Repayable only if settled in your favor) |
| Minimum Monthly Benefit |
$500 per month – paid in addition to personal leave after 60 calendar days. |
$300 per month paid in addition to personal leave after 30 days |
| Survivorship Benefit |
Six (6) months of additional benefits to the dependent beneficiary |
Six (6) months of additional benefits to the dependent beneficiary |
| Pre-Existing Medical Condition Coverage |
All disability benefits and Death Benefits caused by pre-existing medical conditions will be covered once you have been in the Plan for sixty (60) months. Additionally, all Plan benefits are fully integrated with any group disability plans, even if issued on an individual basis. |
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 |
$20,000 Death Benefit on or off-duty natural, accidental, or terminal illness ($10,000 initial benefit then $1,000 per month for 10 months).
$5,000 for suicide ($2,000 for the first 2 Years in the Plan).
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 – 1-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. |
| NPFBA – Long Term Care Plan |
CLEA is a partnership with the NPFBA Long Term Care Plan. Available to all California sworn and non-sworn law enforcement personnel and spouses. CLEA participation is not required for enrollment. |
NPFBA Long Term Care Plan is available to all active sworn and non-sworn members and spouses. |
