Enhanced Individual Plan (EIP) – CalFire
| Monthly Cost | $19.50 per month - payment options: monthly bank draft, credit card or annual billing |
| Percentage of Wages Protected |
80% of wages for Catastrophic Non-Industrial Disabilities for up to 30 months |
| Maximum Benefit | $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 |
| Cost of Living Benefit (COLA) | 4% compounded per year (years 3-8) thereafter, CPI increase to age 65 and then benefits continued lifetime. |
| Stress & Substance Abuse | Three (3) months per occurence, six (6) months lifetime |
| Benefits Payable During Challenged Workers' Compensation Cases | After 60 calendar days – 66.7% of wages or Maximum Benefit of $10,000 per month (repayable if settled in your favor). |
| Waiver of Dues | Waiver of Dues after no-pay status |
| Minimum Monthly Benefit | $750 per month – paid in addition to personal leave after 60 calendar days. ($500 per month if Industrial caused). |
| 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 terminally ill (Payable and delivered usually within 24 hours of notification). |
For Illustration only. Please see Plan Documents for full description.
Request Summary Plan Description (SPD)