FOP Sworn Enhanced Individual Plan
|Monthly Cost||$27.00 per month, level cost payroll deduction|
Percentage Of Wages Protected*
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)
(No Workers’ Compensation Permanent Disability offsets)
Maximum Benefit of $10,000 per month, tax-free
|Waiting Period||30 Calendar days – If less than 60 days of personal leave, you may receive 70% of wages after 30 days. Otherwise, 60 calendar days.|
|Benefit Period||Lifetime: Sickness, Accident and Pregnancy
(Industrial Disability and Non-Industrial Disabilities)
|Freeze of Personal Leave Option||After 60 calendar days|
|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
|Cost of Living Benefit (COLA)||4% compounded per year (years 3-8) thereafter, CPI increase to age 65 and then continued lifetime benefits|
|Return To Work Incentive Benefit||$1,800 per month for Non-Industrial Catastrophic Total Disability if a Participant returns to gainful employment.|
|Waiver of Payment||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 $10,000 per month (Repayable only if settled in your favor)|
|Stress & Psychological Conditions||
18 months maximum benefit amount 3 months per occurrence.
Must return to work for 1 year between each occurrence. No limit if hospitalized.
|Minimum Monthly Benefit||
$1,000 per month – paid in addition to personal leave after 60 calendar days.
($100 for Industrial or Disputed Workers’ Compensation claims.)
$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)
|Survivorship Benefit||Six (6) months additional benefits to dependent beneficiary|
|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.
|Ownership of Plan||Operated, managed and funded by its Participants through a representative Board of Directors (non-profit California Corporation since 1985)|
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
** The Death Benefit for suicide is limited to $2,000 for the first 24 months of participation in the Plan.
*** Forty-eight months for Death Benefits, and for HIV, AIDS, and ARC.
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.
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