Enhanced Individual Plan (EIP) - LA City Firefighters

(Download Enrollment Application)


CAPF UFLAC Plan Reliance - Standard Ins. Co
Monthly Cost $24.50 per month - payment options: monthly bank draft, credit card or annual billing $25.00 Per Month (level cost).
Voluntary Plan
Eligibility for Enhanced Plan Must be an active, full-time Safety member of a fire department or association under a Safety Retirement system (CalPers, County Act 1937, or Municipal Plan). A person is not eligible to enroll after he or she is 60 years of age or more.
Current Plan
Percentage of
Wages Protected*

100% of wages for Catastrophic Disabilities for up to 30 months - not to exceed maximum monthly benefit, then 80% (70% if IOD)

90% of wages while on modified sick leave plans

80% of wages Non-Industrial Disability
70% of wages Industrial Disability (75% with deductible income)

No offsets for LAFRA Benefits.
(No Workers' Compensation permanent disability offsets)
Maximum Benefit of $10,000 per month, tax-free

70% of covered earnings to a maximum of $10,000 monthly benefit for
Non-Industrial or Industrial disabilities.
Maximum Benefit $10,000 per month.

Reliance Standard offsets all daily LAFRA benefits for the first 18 months.

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, freeze of personal leave after 60 days ($500 per month if Industrial caused). No benefits are payable if working full-time light or modified duty.

90 days of continuous disability
No benefits are payable if working full-time, light or modified duty.

Reliance Standard offsets all daily LAFRA benefits for the first 18 months.

Benefit Period Lifetime Coverage of Sickness, Accident, & Pregnancy (Industrial disabilities and Non-Industrial disabilities). To age 65 for Sickness, Accident, and Pregnancy. ADEA Grading
Freeze of Personal Leave Option After 60 calendar days None
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. None
Cost of Living Benefit (COLA) 4% compounded per year (years 2-5) thereafter, CPI increase to age 65 and then benefits continued lifetime. None
Benefits Payable During Challenged Workers' Compensation Cases After 60 calendar days – 70% of wages or Maximum Benefit of $10,000 per month (repayable only if settled in your favor).
After 90 days of total disability – 70% of wages or maximum benefit of $10,000 per month
(Repayable only if claim in settled in your favor) Reliance Standard offsets all daily LAFRA benefits for the first 18 months.
Waiver of Payment Waiver of Payment after no-pay status After 90 consecutive days of total disability - job related
Minimum Monthly Benefit $750 per month – paid in addition to personal leave after 60 calendar days. ($500 for Disputed Workers' Compensation claims)

$100 per month after 90 days of continuous disability

Reliance Standard offsets all daily LAFRA benefits for the first 18 months.

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.
Subject to 12/24 pre-existing medical condition limitations. Also, proof of evidence of insurability may be required and coverage may be declined at the discretion of the insurance company.
Survivorship Benefit Nine (9) months additional benefits to dependent beneficiary. After 90 days of total disability, three (3) months additional benefits to 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)*** None
Ownership of Plan Owned, operated and managed by Participants through a Board of Directors (non-profit and non-political California Corporation) since 1985. Insured by Reliance Standard Ins. Co. –
a for-profit stockholder owned company
Claims administered by insurance co. paid claim adjusters and doctors –
not fellow firefighters.


* 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.



Request Summary Plan Description (SPD)


Providing superior Long Term Disability Coverage to nearly 19,000 Fire Service Participants since 1985.