LTD Plan Benefit Comparison

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Features and Benefits Comparison

CAPF vs CPF-CPFIT

Plan Name	CAPF	CPF-CPFIT - Premium Plan
Plan Management	Operated, managed, and funded by CAPF Participants with a representative Board of Directors since 1985 and is a non-profit health benefit trust.	Insured by Reliance Standard Ins. Co. – a for-profit stockholder-owned company
Monthly Cost	$29.50 Per Month (level cost) Group and Voluntary Plan No dues or fees	$33.00 Per Month (level cost) $34.00 Per Month for Cal Fire (level cost) Voluntary Plan Plus – $13.79 per month for CPF dues
Percentage of Wages Protected*	80% 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 reductions for Workers’ Comp. Permanent Disability settlements)	66 2/3% of base salary & overtime. (No reductions for Workers’ Comp. Permanent Disability settlements)
Maximum Benefit	$11,000 per month	$10,000 per month
Waiting Period	30 Calendar Days – Earlier reduced benefits may be payable based on lack of sick/personal leave down to zero days. $1,000 Minimum Benefit after 60 days, freeze of sick/personal leave after 60 days. ($500 per month if Industrial cause.) No benefits are payable if working full-time, light or modified duty.	90 consecutive days of total disability No benefits are payable if working full-time, light or modified duty.
Benefit Period	Lifetime: Sickness, Accident and Pregnancy Industrial Disabilities and Non-Industrial Disabilities – 2 years own occupation definition, restrictions apply.	Social Security Normal Retirement Age
Minimum Monthly Benefit	$1,000 per month – paid in addition to personal leave after 60 calendar days ($500 per month if Industrial cause).	10% of covered earnings per month or $100 per month whichever is greater
Musculoskeletal & Connective Tissue Disorders	Fully covered Lifetime coverage – 2 years own occupation definition, restrictions apply.	Numerous conditions are limited to 24 months of coverage.
Stress & Psychological	Four (4) months per occurrence. Twenty (20) months lifetime benefit (5 occurrences per lifetime). A member must return to work for one (1) year between claims.	Twelve (12) months aggregate lifetime benefit.
Benefits Payable During Challenged Workers’ Comp. Cases	After 60 calendar days – 70% of wages (Repayable only if settled in you favor)	After 90 calendar days – 66 2/3% of base salary & overtime. (Repayable only if determined to be industrial)
Waiver of Payment	As low as zero days or no-pay status	90 consecutive days and collecting benefits from the Plan but must continue payments while on job-related disability.
Survivorship Benefit	Nine (9) months additional benefits to dependent beneficiary.	Three (3) months additional benefits to beneficiary if continuous disability of 6 months.
Freeze of Sick Leave Options	After 60 calendar days	None
Sick Leave Integration Benefit (Requires Employer Approval)	After 60 days, you may use 50% sick/personal leave and receive a 50% benefit from the Plan.	None
Cost of Living Benefit (COLA)	4% compounded per year (years 2-7) thereafter, CPI increase to age 65 and then benefits continued lifetime.	None
Death Benefit	$15,000 Death Benefit** on- or off-duty natural, accidental or terminal illness (Payable and delivered usually within 24 hours of notification).	None
NPFBA Long Term Care Plan	CAPF is an exclusive partner with the NPFBA Long Term Care Plan. Available to active safety and non-safety fire department personnel and spouses.	Not available
Care Options Program	Free to all CAPF members — family health care advisory program. Completely mobile and confidential.	Not available

* 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.

Illustration Only - See Plan Documents for specific information. CA Lic.#0544968

Features and Benefits Comparison

CAPF vs CSFA

Plan Name	CAPF	CSFA Plan
Plan Management	Operated, managed, and funded by CAPF Participants with a representative Board of Directors since 1985 and is a non-profit health benefit trust.	Insured by Standard Insurance Company – a for-profit stockholder owned company
Monthly Cost	$29.50 Per Month (level cost) Group and Voluntary Plan No dues or fees	$27.50 Per Month (level cost) Voluntary Plan Plus – $6.75 per month for CSFA dues
Percentage of Wages Protected*	80% 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 reductions for Workers’ Comp. Permanent Disability settlements)	66 2/3% of wages Non-Industrial Disabilities. 66 2/3% of wages Industrial Disabilities.
Maximum Benefit	$11,000 per month	$10,000 per month
Waiting Period	30 Calendar Days – Earlier reduced benefits may be payable based on lack of sick/personal leave down to zero days. $1,000 Minimum Benefit after 60 days, freeze of sick/personal leave after 60 days. ($500 per month if Industrial cause.) No benefits are payable if working full-time, light or modified duty.	Non-Industrial: 60 calendar days Industrial: 180 calendar days No benefits are payable if working full-time, light or modified duty.
Benefit Period	Lifetime: Sickness, Accident and Pregnancy Industrial Disabilities and Non-Industrial Disabilities – 2 years own occupation definition, restrictions apply.	To age 65 for Sickness, Accident, and Pregnancy. ADEA Grading
Minimum Monthly Benefit	$1,000 per month – paid in addition to personal leave after 60 calendar days ($500 per month if Industrial cause).	$200 per month paid in addition to sick/ personal leave after 60 days $50 per month if job-related
Musculoskeletal & Connective Tissue Disorders	Fully covered Lifetime coverage – 2 years own occupation definition, restrictions apply.	24 months, lifetime limitation on back and its surrounding soft tissue, sprains, strains of joint or muscles, and connective tissue disorders. Numerous conditions are limited to 24 months of coverage
Stress & Psychological	Four (4) months per occurrence. Twenty (20) months lifetime benefit (5 occurrences per lifetime). A member must return to work for one (1) year between claims.	Benefits limited to 12 months. No limit if confined to a medical facility.
Benefits Payable During Challenged Workers’ Comp. Cases	After 60 calendar days – 70% of wages (Repayable only if settled in you favor)	After 60 days – 66 2/3% of wages or maximum benefit of $10,000 monthly (Up to 66 2/3% repayable if determined to be Industrial Disability.)
Waiver of Payment	As low as zero days or no-pay status	After 60 days
Survivorship Benefit	Nine (9) months additional benefits to dependent beneficiary.	After 180 days of continuous disability, eligible dependents will receive a lump sum benefit equal to six (6) times the member’s last LTD monthly benefit, after reductions by deductible income.
Freeze of Sick Leave Options	After 60 calendar days	None
Sick Leave Integration Benefit (Requires Employer Approval)	After 60 days, you may use 50% sick/personal leave and receive a 50% benefit from the Plan.	None
Cost of Living Benefit (COLA)	4% compounded per year (years 2-7) thereafter, CPI increase to age 65 and then benefits continued lifetime.	None
Death Benefit	$15,000 Death Benefit** on- or off-duty natural, accidental or terminal illness (Payable and delivered usually within 24 hours of notification).	$15,000 (CSFA Self Funded)
NPFBA Long Term Care Plan	CAPF is an exclusive partner with the NPFBA Long Term Care Plan. Available to active safety and non-safety fire department personnel and spouses.	Not available
Care Options Program	Free to all CAPF members — family health care advisory program. Completely mobile and confidential.	Not available

Illustration Only - See Plan Documents for specific information. CA Lic.#0544968

Features and Benefits Comparison

CAPF vs Firefighters 1st CU Plan

Plan Name	CAPF	Firefighters 1st CU Plan
Plan Management	Operated, managed, and funded by CAPF Participants with a representative Board of Directors since 1985 and is a non-profit health benefit trust.	Insured by Reliance Standard Ins. Co. – a for-profit stockholder-owned company
Monthly Cost	$29.50 Per Month (level cost) Group and Voluntary Plan No dues or fees	$22.00 Per Month (level cost). Group Plan – Requires 100% Credit Union membership & participation
Percentage of Wages Protected*	80% 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 reductions for Workers’ Comp. Permanent Disability settlements)	66 2/3% of wages Non-Industrial and Industrial Disabilities.
Maximum Benefit	$11,000 per month	$10,000 per month
Waiting Period	30 Calendar Days – Earlier reduced benefits may be payable based on lack of sick/personal leave down to zero days. $1,000 Minimum Benefit after 60 days, freeze of sick/personal leave after 60 days. ($500 per month if Industrial cause.) No benefits are payable if working full-time, light or modified duty.	90 calendar days Industrial & Non-Industrial. No benefits are payable if working full-time, light or modified duty.
Benefit Period	Lifetime: Sickness, Accident and Pregnancy Industrial Disabilities and Non-Industrial Disabilities – 2 years own occupation definition, restrictions apply.	To age 65 for Sickness, Accident, and Pregnancy. ADEA Grading
Minimum Monthly Benefit	$1,000 per month – paid in addition to personal leave after 60 calendar days ($500 per month if Industrial cause).	$100 per month after 90 calendar days
Musculoskeletal & Connective Tissue Disorders	Fully covered Lifetime coverage – 2 years own occupation definition, restrictions apply.	24 months, lifetime limitation on back and its surrounding soft tissue, sprains, strains of joint or muscles, and connective tissue disorders. Numerous conditions are limited to 24 months of coverage.
Stress & Psychological	Four (4) months per occurrence. Twenty (20) months lifetime benefit (5 occurrences per lifetime). A member must return to work for one (1) year between claims.	Aggregate lifetime maximum of 24 months
Benefits Payable During Challenged Workers’ Comp. Cases	After 60 calendar days – 70% of wages (Repayable only if settled in you favor)	After 90 days – 66 2/3% of wages or maximum benefit of $10,000 (Repayable only if determined to be Industrial).
Waiver of Payment	As low as zero days or no-pay status	After 90 calendar days
Survivorship Benefit	Nine (9) months additional benefits to dependent beneficiary.	Three (3) months additional benefits to dependent beneficiary.
Freeze of Sick Leave Options	After 60 calendar days	None
Sick Leave Integration Benefit (Requires Employer Approval)	After 60 days, you may use 50% sick/personal leave and receive a 50% benefit from the Plan.	None
Cost of Living Benefit (COLA)	4% compounded per year (years 2-7) thereafter, CPI increase to age 65 and then benefits continued lifetime.	None
Death Benefit	$15,000 Death Benefit** on- or off-duty natural, accidental or terminal illness (Payable and delivered usually within 24 hours of notification).	None
NPFBA Long Term Care Plan	CAPF is an exclusive partner with the NPFBA Long Term Care Plan. Available to active safety and non-safety fire department personnel and spouses.	Not available
Care Options Program	Free to all CAPF members — family health care advisory program. Completely mobile and confidential.	Not available

Illustration Only - See Plan Documents for specific information. CA Lic.#0544968

Features and Benefits Comparison

CAPF, CSFA, CPF-CPFIT, Firefighters 1st CU, and UFLAC general information taken from websites and Plan Documents.

Features/ Benefits	CAPF	UFLAC Plan Reliance - Standard Ins. Co
Cost	$29.50 per month (level cost). Group and Voluntary Plans No dues or fees	$25.00 Per Month (level cost). Voluntary Plan
Percentage of Wages Protected*	80% of current wages Non-Industrial causes. 70% of current wages Industrial causes. 90% of current wages Non-Industrial causes with underlying Group LTD Plan or SDI. 100% of current wages for Catastrophic Disabilities for up to 30 months - not to exceed maximum monthly benefit. (No reductions for Workers' Compensation permanent disability settlements.) Maximum Benefit $11,000 per month Base pay plus Incentive pay: Example: EMT, Paramedic, HAZ-MAT, USAR, Education, Uniform, Holiday, Fireboat	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 sick/personal leave down to zero days. $1,000 Minimum Benefit (see Minimum Benefits below) after 60 days, freeze of sick/personal leave after 60 days. 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	To age 65 for Sickness, Accident, and Pregnancy. ADEA Grading
Freeze of Sick Leave Options	After 60 calendar days	None
Sick Leave Integration Benefit	After 60 days, you may use 50% sick/personal leave and receive a 50% benefit from the Plan.	None
Cost of Living Benefit (COLA)	4% compounded per year (years 2-7) thereafter, CPI increase to age 65 and then benefits continued lifetime.	None
Stress & Psychological	Four (4) months per occurrence. Twenty (20) months lifetime benefit (5 occurrences per lifetime). A member must return to work for one (1) year between claims.	No benefit for first 90 days of total disaiblity thereafter, twenty-four (24) months.Reliance Standard offsets all daily LAFRA benefits for the first 18 months.
Musculoskeletal & Connective Tissue Disorders	Fully covered, no restrictions lifetime – Industrial & Non-Industrial causes	24 months, lifetime limitation on back and its surrounding soft tissue, sprains, strains of joint or muscles, and connective tissue disorders. Numerous conditions are limited to 24 months of coverage. Reliance Standard offsets all daily LAFRA benefits for the first 18 months.
Benefits Payable During Challenged Workers' Comp. Cases	After 60 calendar days – 70% of wages or Maximum Benefit of $11,000 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	After no-pay status	After 90 consecutive days of total disability - job related
Minimum Monthly Benefit	$1,000 per month – paid in addition to sick/personal leave after 60 calendar days ($500 per month if job related).	$100 per month after 90 days of continuous disability Reliance Standard offsets all daily LAFRA benefits for the first 18 months.
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 (Payable and delivered usually 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.

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

Plan Name	CAPF Plan	CPFIT Union PYI+ Plan	CSFA Plan	Firefighters 1^st CU Plan
Monthly Cost	$29.50 per month No monthly association dues.	$33.00 per month ($34.00 per month for Cal Fire) Must be active CPF dues paying member	$27.50 per month Must be active CSFA dues paying member	$22.00 per month
Percentage Of Wages Protected	80% 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 reductions for Workers’ Compensation Permanent Disability settlements)	66 2/3% of base salary (No reductions for Workers’ Compensation Permanent Disability settlements)	66 2/3% of wages Non-Industrial and Industrial Disabilities	66 2/3% of wages Non-Industrial and Industrial Disabilities
Maximum Benefit	$11,000 per month	$10,000 per month	$10,000 per month
Waiting Period	30 Calendar Days – Earlier reduced benefits may be payable based on lack of personal leave down to zero days. $1,000 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.	No-pay status and your income falls below 66.67% of your guaranteed base income as a firefighter. No benefits are payable if working full-time, light or modified duty.	Non-Industrial: 60 calendar days Industrial: 180 calendar days No benefits are payable if working full-time, light or modified duty.	90 calendar days Industrial & Non-Industrial. No benefits are payable if working full-time, light or modified duty.
Benefit Period	Lifetime Coverage Sickness, Accident and Pregnancy	To age 65 for Sickness, Accident, and Pregnancy.	To age 65 for Sickness, Accident, and Pregnancy.	To age 65 for Sickness, Accident, and Pregnancy.
Stress & Psychological	Four (4) months per occurrence, Twenty (20) months lifetime benefit (5 occurrences per lifetime). A Participant must return to work for one (1) year between claims.	Twelve (12) months aggregate lifetime benefit.	Benefits limited to 12 months. No limit if confined to a medical facility.	Aggregate lifetime maximum of 24 months
Benefits Payable During Challenged Workers’ Compensation Cases	After 60 calendar days – 70% of wages to a Maximum Benefit of $11,000 per month (Repayable only if determined to be Industrial)	After 90 days – 66 2/3% of base salary (Repayable only if determined to be Industrial).	After 60 days – 66 2/3% of wages or maximum benefit of $10,000 monthly ( up to 66 2/3% repayable if determined to be Industrial Disability.)	After 90 days – 66 2/3% of wages or maximum benefit of $10,000 (Repayable only if determined to be Industrial.)
Waiver of Payment	Waiver of Payment after no-pay status	90 consecutive days and collecting benefits from the Plan but must continue payments while on job related disability. No benefits are payable if working full-time, light or modified duty.	After 60 days	After 90 calendar days
Minimum Monthly Benefit	$1,000 per month – paid in addition to personal leave after 60 calendar days ($500 per month if Industrial caused).	10% of covered earnings per month or $100 per month whichever is greater	$200 per month paid in addition to sick/personal leave after 60 days $50 per month if job-related	$100 per month after 90 calendar days
Survivorship Benefit	Nine (9) months additional benefits to dependent beneficiary.	Three (3) months additional benefits to beneficiary if continuous disability of 6 months.	After 180 days of continuous disability, eligible dependents will receive a lump sum benefit equal to six (6) times the member’s last LTD monthly benefit, after reductions by deductible income.	Three (3) months additional benefits to dependent beneficiary.
Freeze of Sick Leave Option	After 60 Calendar days	None	None	None
Sick Leave Integration Benefit	After 60 days, you may use 50% sick leave and receive a 50% benefit from the Plan or use 100% sick leave and receive $750 per month ($500 per month if Industrial caused)	None	None	None
Cost of Living Benefit (COLA)	4% compounded per year (years 2-7) thereafter, CPI increase to age 65 and then benefits continued lifetime.	None	None	None
Death Benefit	$15,000 Death Benefit on- or off-duty – natural, accidental or terminal illness (Payable and delivered usually within 24 hours of notification).**	None	$15,000 (CSFA Self-Funded)	None
Ownership of Plan	Operated, managed, and funded by its members through a representative Board of Directors (non-profit California Corporation since 1985). CAPF Voting Director position with 50 or more members.	Insured by Reliance Standard Insurance Co.	Insured by Standard Insurance Company	Insured by Reliance Standard Insurance Co.