Comparison of CLEA Plan vs. PORAC I&B Plan
| Plan Name | CLEA Group LTD Plan | PORAC I & B Trust Platinum Plan | PORAC I & B Trust Platinum Plan |
| Monthly Cost | $32.00 | $34.00 | $34.00 |
| Plan Type | Long Term Disability (LTD) | Short Term Disability (STD) | Long Term Disability (LTD) |
| Percentage of Wages Protected | 85% of wages Non-Industrial Disability 70% of wages Industrial Disability Maximum Monthly Benefit of $10,000 per month, tax-free |
70% of the first $14,286, reduced by deductible income Maximum Benefit of $10,000 per month before reduction by Deductible Income |
70% of the first $14,286, reduced by deductible income Maximum Benefit of $10,000 per month before reduction by Deductible Income, tax-free |
| Waiting Period |
Non-Industrial: 30 days Industrial: 0 days
During the first 60 days of Disability: • You may receive 70% of wages after 30 days. 85% of wages after 60 days. • Early reduced benefits down to 0 days based on available personal leave. • You are not required to use any available personal leave after 60 calendar days. |
Non-Industrial: 0 days, if you have been unable to work for 15 days, provided that you have note had a Temporary Recovery of greater than 5 days during this period.
Industrial: 0 days During the first 60 days of Disability: • You are eligible to receive up to 35% of your monthly Pre-Disability Earnings for any period you are not eligible to receive any personal leave pay. • You are required to use any available personal leave pay you are eligible to receive from your Employer |
365 Days |
| Benefit Period |
Lifetime: Sickness, Accident, and Pregnancy Industrial Disabilities and Non-Industrial Disabilities – 2 years own occupation definition, restrictions apply. |
12 months: Sickness, Accident, and Pregnancy (Industrial Disabilites and Non-Indusrial Disablities) | To age 65 if age 61 or younger when Disability began. Maximum Benefit Period for Disabilities that occur after age 61 will be determined by your age when Disability began. |
| Catastrophic Disabilities |
100% of wages – maximum $10,000 per month for up to 30 months. Based on inability to perform 3 or more Activities of Daily Living. |
During the initial 12 months of Disability the plan pays an additional: 30% of the first $14,286, not to exceed $4,286 of Pre-Disability Earnings. Based on inability to perform 2 or more Activities of Daily Living. |
Not Applicable |
| Personal Leave Integration Benefit |
After 60 calendar days, you may use 50% sick leave and receive a 50% benefit from the Plan or use 100% sick leave or 100% personal leave and receive $1,000 per month ($100 per month for Industrial or Disputed Workers’ Comp.) |
Receive 100% of base pay through use of 50% leave time and 50% STD Benefit or use 100% personal leave and receive $200 per month for Non-Industrial Disabilities. | Receive 100% of base pay through use of 50% leave time and 50% LTD Benefit or use 100% personal leave and receive $200 per month for Non-Industrial Disabilities. ($50 per month for all other circumstances.) |
| Cost of Living Benefit (COLA) | 3% compounded per year (years 3-8) thereafter, CPI increase to age 65 and then continued lifetime benefits | None | CPI (0-5%) increase per year compounded for Non-Industrial causes |
| Musculoskeletal & Connective Tissue Disorders | Fully covered Lifetime coverage – 2 years own occupation definition, restrictions apply. |
No limitations
12 months |
For certain conditions, benefits are limited to 12 months for each period of disability. |
| Drug & Alcohol Abuse |
6 months lifetime coverage
(3 months per occurrence) |
Benefits limited to 12 months lifetime | Benefits limited to 6 months lifetime |
| Stress & Psychological Conditions |
18 months maximum aggregate lifetime benefit amount.
3 months per occurrence. Must return to work for 1 year between each occurrence. Additional benefits may be payable if hospitalized. |
Benefits limited to 12 months lifetime | Benefits limited to 6 months lifetime |
| Waiver of Contributions | Waiver of Contributions after no-pay status from Employer. | Contributions waived after 60 days and claim approval. | Premium payments are waived while Disability Benefits are payable. |
| 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’ Comp.) | $200 per month while receiving sick leave / annual leave for Non-Industrial Disabilities. | $200 per month while receiving sick pay for Non-Industrial Disabilities. $50 per month in all other circumstances. |
| Death Benefit |
$65,000 Death Benefit on- or $10,000 for suicide ($2,000** first 2 Years in Plan) $20,000 Active Duty Military Death Benefit (Benefits may be payable within 24 hours of notification) Payable to any designated beneficiary. |
$50,000 Death Benefit (Natural*)
$65,000 Death Benefit (Accidental) (You are covered for the Death Benefit while enrolled under the STD Plan and during the first 2 years you continue to be disabled and receiving Disablity Benefits.) *Payable only to spouse, dependent children, registered domestic partner, parents, siblings, or estate. |
Death Benefit provided through IBT of PORAC. No Death Benefit payable by Standard Insurance Company. |
| 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-exist- ing medical conditions will not be covered. |
If enrolling member applies for coverage after 60 days from hire date, eligibility for coverage will be determined by medical underwriting and evidence of insurability | If enrolling member applies for coverage after 60 days from hire date, eligibility for coverage will be determined by medical underwriting and evidence of insurability. |
| Ownership And Operation of Plans |
Owned, operated, and managed by its Participants through a representative Board of Directors (non-profit California Corporation since 1985) | Operated and managed by the Insurance & Benefits Trust | Operated and managed by Standard Insurance Company |
| Exposure Tracker | Free to all CLEA members “Exposure Tracker” personal exposure reporting system, easy to use, mobile enabled, totally confidential | Not available | Not available |
| CareOptions Program | Free to all CLEA members family health care advisory program. Completely mobile and confidential. | Not available | Not available |
| NPFBA Long Term Care Plan | CLEA is an exclusive partner with the NPFBA Long Term Care Plan. Available to active sworn and non-sworn law enforcement personnel and spouses. | Not available | Not available |
32.00 CLEA Plan vs $34.00 PORAC I&B Plan Salary Comparison
| Monthly Salary | CLEA $32.00 Plan* | I & B Trust $34.00 Platinum Plan** | CLEA’s Advantage | ||||
| LTD Plan | STD Plan | LTD Plan | |||||
| 70% of Pay | 85% of Pay | 35% of Pay | 70% of Pay | 70% of Pay | |||
| Day 31 to 60 | Day 61 to Year 3 | Day 0 to 60 | Day 61 to Year 2 | Year 2 to Year 3 | CLEA’s Advantage Monthly 85% over 70% | CLEA’s Cumulative Difference in Benefit Amount 24 Months | |
| $7,000 | $4,900 | $5,950 | $2,450 | $4,900 | $4,900 | $1,050 more | $23,100 more |
| $8,000 | $5,600 | $6,800 | $2,800 | $5,600 | $5,600 | $1,200 more | $26,400 more |
| $9,000 | $6,300 | $7,650 | $3,150 | $6,300 | $6,300 | $1,350 more | $29,700 more |
| $10,000 | $7,000 | $8,500 | $3,500 | $7,000 | $7,000 | $1,500 more | $33,000 more |
| $11,000 | $7,700 | $9,350 | $3,850 | $7,700 | $7,700 | $1,650 more | $36,300 more |
*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.
Illustration only. Refer to Plan Documents for specific details. CA Ins. Lic. #0544968
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, are annually audited by independent certified public accountants in conformity with generally accepted accounting principles.
10-15 This is a highlight page only – certain exceptions & limitations apply. See the complete Plan Document provisions for a more complete description of coverage.