CDCR LTD Plan
Enhanced Individual Plan –
California Department of Corrections & Rehabilitation (CDCR)
| Plan Name | CLEA LTD Plan (CDCR Enhanced Individual Plan) | CCPOA LTD Plan |
| Monthly Cost | $27.50 per month, numerous payment options available |
$65.00 per month for Gold Shield** $45.00 per month for Silver Shield** |
| Percentage of Wages Protected |
70% of wages Non-Industrial Disability* 70% of wages Industrial Disability* (80% of wages for Catastrophic Disabilities for up to 30 months – not to exceed maximum monthly benefits*) Maximum Benefit of $6,000 per month, tax-free CLEA pays in addition to AFLAC and Combined Insurance. |
Gold Shield: 67% of base wages – Maximum monthly benefit of $6,000, tax-free. 75% benefit if disability is so severe that you cannot work any other occupation and that after 24 months you cannot perform 2 Activities of Daily Living (including bathing, dressing, toileting, transferring, continence & eating) for non-occupational disabilities. Silver Shield: 100% of base wages – Maximum monthly benefit of $3,000, tax-free CCPOA reduces their benefits by all income benefits provided by AFLAC. |
| 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). | Gold Shield: 30 calendar days Silver Shield: 180 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. | Gold Shield and Silver Shield: 24 months for Sickness, Accident and Pregnancy for both Industrial and Non-Industrial Disabilities. Fully integrated with all income. (Gold Shield includes age 65 coverage for non-industrial disability if unable to perform two 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 increase to age 65 and then continued lifetime benefits for Non-Industrial injuries only. | None |
| Return to Work Incentive Benefit | $1,800 per month for Non-Industrial Catastrophic Total Disability if a Participant returns to gainful employment. | None |
| Stress & Psychological Conditions | None | None |
| Waiver of Payment | Waiver of Payment after no-pay status | Waiver of Payment after no-pay status |
| Benefits Payable During Challenged Workers’ Compensation Cases | After 60 calendar days – 70% of wages to a Maximum Benefit of $6,000 per month (Repayable only if settled in your favor) | Gold Shield: 67% of base wages to Maximum Benefit of $6,000 Silver Shield: 100% of base wages to Maximum Benefit of $3,000 (Repayable if determined to be an Industrial Disability) |
| Minimum Monthly Benefit | $500 per month – paid in addition to personal leave after 60 calendar days. | Gold Shield: $300 per month paid in addition to personal leave after 30 days Silver Shield: $400 per month paid in addition to personal leave balances after 180 days |
| Survivorship Benefit | Six (6) months addition benefits to dependent beneficiary | Gold Shield: Six (6) months addition benefits to dependent beneficiary Silver Shield: Three (3) months addition benefits to dependent beneficiary |
| Pre-Existing Medical Condition Coverage | No medical underwriting. All pre-existing medical conditions will be covered once you have been in the Plan for sixty (60) months. | All applications are medically underwritten and include a 2-year pre-existing medical condition exclusion. |
| 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 after two years in Plan. ($2,000 first 2 Years in 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 benefit |
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. ** CCPOA Plan – If new employee and enrolls within first 90 days, then premium is half price for first year only.
Request a Plan Description
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