Enhanced Individual Plan (EIP) - LA City Firefighters

(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 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.

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

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.
Benefit Period Lifetime Coverage of Sickness, Accident, & Pregnancy (Industrial disabilities and Non-Industrial disabilities).
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.
Cost of Living Benefit (COLA) 4% compounded per year (years 2-5) thereafter, CPI increase to age 65 and then benefits continued lifetime.
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 – 70% 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.

 

 

Request Summary Plan Description (SPD)

 

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