Enhanced Individual Plan (EIP) - Full Time Non-Safety

(Download Enrollment Application)


Monthly Cost $24.50 per month - payment options: monthly bank draft, credit card or annual billing
Eligibility for Enhanced Plan

Must be an active, full-time Non-Safety member of a fire department or association under a Non-Safety Retirement system (CalPers, County Act 1937, or Municipal Plan). A person is not eligible to enroll or participate after he or she is 55 years of age or more.

Percentage of
Wages Protected*

75% of wages Non-Industrial Disability for Year 1 with SDI integration then,
66 2/3% of wages Non-Industrial Disability Year 2  & beyond
66 2/3% of wages Industrial Disability

80% of wages for Catastrophic Disabilities for up to 18 months - not to exceed maximum monthly benefit

(No reductions for Workers’ Compensation Permanent Disability settlements)

Maximum Benefit of $10,000 per month, tax-free

Waiting Period 30 Calendar Days – Earlier reduced benefits may be payable based on lack of personal leave down to zero days. $750 per month Minimum Benefit after 60 days ($500 per month if Industrial caused), freeze of personal leave after 60 days. No benefits are payable if working full-time, light or modified duty.
Benefit Period Three Years (36 months): Sickness and Accident
Freeze of Personal Leave Option After 60 calendar days
Personal Leave Integration Benefit After 60 days, you may use 50% sick leave and receive a 50% benefit from Plan or use 100% personal leave and receive $750 per month. ($500 per month if Industrial caused)
Cost of Living Benefit (COLA) 4% compounded per year (years 2-3)
Pregnancy No coverage for any disability caused by, contributed to, or which results from pregnancy or child birth.
Benefits Payable During Challenged Workers' Compensation Cases

After 60 calendar days – 66 2/3% of wages or Maximum Benefit of $10,000 per month (repayable only if settled in your favor).

Waiver of Payment Waiver of Payment after no-pay status
Minimum Monthly Benefit $750 per month – paid in addition to personal leave after 60 calendar days. ($500 for Disputed Workers' Compensation claims)
Disability Pension Advance Plan may advance, interest free, actual retirement benefit not to exceed $10,000 per month.
Pre-Existing Medical Condition Coverage All disability benefits caused from pre-existing medical conditions will be covered once you have been in the Plan for sixty (60) months unless you are eligible for the Prior Group Coverage Credit (proof of prior coverage required).
Additionally, all Plan benefits are fully integrated with any other group disability plan even if issued on an individual basis.
Survivorship Benefit Nine (9) months additional benefits to dependent beneficiary.
Death Benefit $15,000 Death Benefit** on- or off-duty – natural, accidental or terminal illness. (Benefits may be payable within 24 hours of notification)***


* Maximum percentages reflect amount payable after completion of (a) waiting period, (b) freeze of sick leave option, or (c) sick 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.


For Illustration only. Please see Plan Documents for full description.


To Apply: Please download the enrollment application below
and mail to CAPF, PO Box 31, Martell, CA 95654.

Please do not discontinue any other coverage until you have been notified that
your CAPF LTD Plan has gone into effect.



CAPF provides superior Long Term Disability Coverage to over 16,000 Fire Service Participants – since 1985.