CHP Individual LTD Plan
| Plan | CLEA Enhanced Individual LTD Plan | CAHP LTD Plan |
| Monthly Cost | $32.00 per month, numerous payment options available | $3.50 per month, payroll deduction |
| Eligibility | Must be an active, full-time sworn member of the California Highway Patrol under a CalPers Safety Retirement system. A person is not eligible to enroll after he or she is 60 years of age or more. | Member of California Association of Highway Patrolmen. |
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Percentage Of Wages Protected*
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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 then 70% or 85% thereafter) (No Workers’ Compensation Permanent Disability offsets) Maximum Benefit of $10,000 per month, tax-free |
70% of the first $8,000 of Covered Monthly Earnings Non-Industrial Disability Plan fully offsets for all other group and individual disability plans. Maximum Benefit of $5,600 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. | 90 Calendar days |
| Benefit Period | Lifetime: Sickness and Accident (Industrial and Non-Industrial Disabilities) |
If Total Disability occurs before age 56, the Monthly Disability Benefit is payable for a maximum of 10 years. If Total Disability occurs at age 56 or over, but before the first day of the month following the Participant’s 60th birthday, the Monthly Disability Benefit is payable for up to 48 months or to age 60, whichever is longer. |
| Stress & Psychological Conditions |
3 months per occurrence, 18 months maximum aggregate lifetime benefit. Must return to work for 1 year between each occurrence. Addition benefits may be payable if hospitalized. |
24 months lifetime maximum benefit |
| Pregnancy | No coverage for any disability caused by, contributed to, or which results from pregnancy or childbirth. | Covered |
| Survivorship Benefit | Six (6) months additional benefits to dependent beneficiary | Three (3) months additional benefits to dependent beneficiary |
| Waiver of Payment | Waiver of Payment after no-pay status | Waiver of Payment while receiving Monthly Disability Benefits |
| Pre-Existing Medical Condition Coverage | All pre-existing medical conditions will be covered once you have been in the Plan for sixty (60) months. | A Pre-existing Condition will not be covered until the Member has been continuously enrolled for 12 months after the effective date and actively at work for 1 day. |
| Ownership of Plan |
Owned, operated and managed by its Members through a representative Board of Directors (non-profit California Corporation since 1985) |
Established and maintained by the CAHP Disability Trust. |
| Additional CLEA Benefits | ||
| Freeze of Personal Leave Option | After 60 calendar days | None |
| 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.) | None |
| Cost of Living Benefit (COLA) | 3% compounded per year (years 3-8) thereafter, CPI increase to age 65 and then continued lifetime benefits | None |
| Return To Work Incentive Benefit | $1,800 per month for Non-Industrial Catastrophic Total Disability if a Participant returns to gainful employment. | None |
| 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) | None |
| 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.) |
None |
| Death Benefit |
$65,000 Death Benefit on- or off-duty natural, accidental or terminal illness $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) |
None |
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.
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 has been independently reviewed by third-party actuaries and determined to have reserves that are expected to be adequate to satisfy obligations, and is annually audited in conformity with generally accepted accounting principles.
12-19 This is a highlight page only – certain exceptions & limitations apply. See the Summary Plan Description or the complete Plan Document provisions for a more complete description of coverage. CA Insurance Lic. #0544968