Non-Safety EI Plan
Enhanced Individual Plan (EIP) – Full Time Non-Safety
|Monthly Cost||$29.50 per month, numerous payment options available|
|Eligibility||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*
80% of wages for Catastrophic Disabilities for up to 18 months– not to exceed maximum monthly benefit
66 2/3% of wages Non-Industrial Disability
66 2/3% of wages Industrial Disability
(No reductions for Workers’ Compensation Permanent Disability settlements)
|Maximum Benefit||$11,000 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. $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.|
|Benefit Period||Three Years (36 months): Sickness and Accident|
|Freeze of Sick Leave Option||After 60 Calendar days|
|Definition of Disability||One (1) year Own Occupation Disability, thereafter any occupation that you may be reasonably suited for.|
|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)
|Cost of Living Benefit (COLA)||4% compounded per year (years 2-3)|
|Musculoskeletal & Connective Tissue Disorders||Covered, no restrictions
Industrial and Non-Industrial causes.
|Pregnancy||No coverage for any disability caused by, contributed to, or which results from pregnancy or childbirth.|
|Benefits Payable During Challenged Workers’ Compensation Cases||After 60 calendar days – 66 2/3% of wages to a Maximum Benefit of $11,000 per month (Repayable only if settled in your favor)|
|Waiver of Payment||Waiver of Payment after no-pay status|
|Minimum Monthly Benefit||$1,000 per month – paid in addition to personal leave after 60 calendar days
($500 per month if Industrial caused).
|All 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 Coverage Credit.|
|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** (Payable and delivered usually within 24 hours of notification).|
|Ownership of Plan||
Owned, operated and managed by its Participants through a representative
Board of Directors (non-profit California Corporation since 1985)
* 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.
The California Association of Professional Firefighters Long Term Disability Plan (Non-Safety Personnel) was established pursuant to the California Department of Insurance, Insurance Code Sections 11400 – 11407 by California Association of Professional Firefighters, a fire fighters benefit and relief association. The Trust and California Association of Professional Firefighters are non-profit and tax exempt entities. The Plan, California Association of Professional Firefighters and the Trust are annually audited for conformity with generally accepted accounting principles.
10-19 This is a highlight page only – certain exceptions & limitations apply. See the Summary Plan Description or the complete Plan Document provisions for a more complete description of coverage. CA Insurance Lic. #0544968
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.