CALIFORNIA ASSOCIATION OF PROFESSIONAL FIREFIGHTERS
LONG TERM DISABILITY PLANS
CAPF continues to be the largest provider of Long Term Disability coverage for professional firefighters in California
CAPF Benefits
Long Term Disability
The words LTD mean something very different in the LTD insurance world. With our competitors, It means benefits may be payable only to age 65.
When you have the CAPF Plan, it means so much more. If you are totally disabled, CAPF will pay you monthly benefits no matter how long you survive after becoming disabled.
Plan Members
CAPF has the largest group of firefighters within California with over 18,000 members. 3 of every 4 professional firefighters have CAPF. CAPF has 160 firefighter associations. We have paid in excess of 5000 claims and over $100 million in benefits to members and their families since 1985
Percentages of Wages Protected
CAPF pays the highest percentage of wages when one of our members becomes disabled.
CAPF pays up to 80% of wages, tax-free, including most all additional add-on incentives such as hazmat, technical rescue, holiday pay, uniform allowance, longevity, etc.
(100% of wages for Catastrophic Disabilities for up to 30 months – not to exceed
maximum monthly benefit of $11,000, per month, tax-free)
(No reductions for Workers’ Compensation Permanent Disability settlements)
Our competitors only offer a 66 2/3% benefit.
Actuarially Sound
CAPF provided third party actuarial reports and audited financial statements regarding the Plan to the California Department of Insurance prior to June 30, 2017, as required by law (former AB 1072). The audited financial statements include liability/reserve amounts recommended by an independent actuarial firm. In the opinion of these actuaries, as of end of the most recent plan year, the established liabilities/reserves are expected to be adequate to satisfy contractual obligations and are consistent with applicable Actuarial Standards of Practice. CAPF has paid in excess of 5000 claims and more than $100 million in benefits to our members and their families since 1985.
Death Benefit
CAPF has a streamlined claim service that provides a convenient 1-800 number to immediately assist members to answer questions and provide initial claim processing. Additionally, our claims office can process the $15,000 death benefit within 24 hours of of notification.
Member Managed & Controlled
CAPF, unlike our competitors, is member managed and member controlled. Each Association with 50 or more members has an equal vote on the corporate Board of Directors. Our competitors are managed and controlled by profit motivated insurance companies. They have changed their corporate structure, benefits, and premium in order to remain operational. Their members have no say in how the insurance company manages or controls their costs and benefits.
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